GuaranteedRate - Mortgage Company

Keith Ulbrich

Branch Manager
600 22nd Street Ste 100, Oak Brook, IL 60523
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NMLS: 442589
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We were told that it takes extra long to complete the loan process in Wisconsin. We went with Keith and team and had our loan clear to close in record time according to our real estate agent. This was the first time he had a client use Guaranteed Rate, and he was super impressed too.

Rebecca B. | 09/01/2017

Keith Ulbrich was amazing, super efficient and very responsive to all of my needs. He was also very proactive in meeting my goal date for closing. Keith made it effortless for me! He's the best!!!!

Joyal P. - Naperville, IL | FEB 2017

My loan officer was great! He was always available when I had a question. We had a couple of hiccups and he was always on the ball ready to understand how he could help or what he could do for me. He even found an IHDA loan that I qualified for to help with closing costs!! Anyone would be lucky to work with him.

Jo Ann D. – 11/7/2016

Keith, Carolyn, and Nicole were extremely professional, friendly, and were always quick to answer my million questions. They are a great team, I couldn't have asked for better service. They made what could have been a stressful process into a simple experience, and I am so grateful for that. Buying a foreclosure was a trying experience, and even with all the delays on the seller's side, my GR team did everything to make sure I closed on time.

Melissa C. – 7/26/2016

Keith was extremely responsive to us and was patient in answering our questions as first time home buyers. We had a tight timeline and Keith & team were eager to help us reach our goal closing date. Additionally, the online portal to upload documents was very user friendly. We were extremely happy with the experience and will be sure to recommend Guaranteed Rate to others!

Amanda B. – 7/22/2016

Keith Ulbrich is the best guy to work with. I am a first time home OWNER because of Keith and all his efforts. I went through a lot of grief and heartache to find the right house and Keith worked with me every time -- calming me and making it easier. Thank you!

Debra F. – 7/14/2016

Keith and the team made the process extremely seamless - checking in along every step of the way, great with communication. I have already recommended Guaranteed Rate to a couple of friends and intend to send more clients. For my first experience buying a home in IL, Keith and Guaranteed Rate set the bar high.

Timothy M. – 6/21/2016

Keith was very friendly and easy to work with. He made the process as simple as possible for a first time home buyer.

Sona A. – 6/3/2016

Keith Ulbrich did an excellent job in helping us finance our home. He demonstrated great communication and professionalism.

Jun Cesar A. – 4/28/2016

Keith was great. His experienced showed. He really knew his stuff!

Bobby K. – 4/28/2016

Keith is a great loan officer, and a good guy. I don't trust most banks or loan companies. That being said Keith has never steered us wrong. He has been our go to loan guy for 6+ years hope he does not retire for a long time. My wife and I refer everyone we know to him that is looking to buy or refinance. I don't see that changing anytime soon. I would like to thank Keith and his team they where awesome.

Matthew G. - Chicago, IL | Jan. 2016

Keith is a great loan officer, and a good guy. I don't trust most banks or loan companies. That being said Keith has never steered us wrong. He has been our go to loan guy for 6+ years hope he does not retire for a long time. My wife and I refer everyone we know to him that is looking to buy or refinance. I don't see that changing anytime soon. I would like to thank Keith and his team they where awesome.

Matthew G. – 1/25/2016

Keith Ulbrich and his team kept me updated throughout, it was a pleasure working with them!

Deborah S. – Chicago, IL | June 2015

Keith Ulbrich was always accessible to me throughout the process and responded to my questions promptly.

James H. – Schaumburg, IL | Apr. 2015

Keith was responsive and proactive in understanding my needs! I will recommend Keith and Guaranteed Rate as much as possible!

Jason H. -- Geneva, IL 7/21/2014

I've been working with Keith Ulbrich for more than ten years. He is my primary connection to Guaranteed Rate, and I hope to work with him again in the future.

Lisa F. -- Chicago, IL 6/24/2014

About Keith

I entered the mortgage business in 2003, when I wanted to get involved in a different aspect of the financial industry and have a direct impact on helping people with the biggest purchase of their lives.

I attended Purdue University and majored in accounting, which helped continue my love of working with numbers.

I am a life-long resident of Chicagoland and am married to my high school sweetheart and together we have 2 wonderful children.

Keith interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for 13 years. I love the idea that every day is different and each borrower has specific needs to help them with their financial goals. Figuring out how to help them succeed with their goals is what drives me.
Who is your typical customer and what questions do they typically have?
I work with all different types of buyers, from first timers to people that are purchasing their 5th home. The one constant is that they all want great communication and to understand what is coming next in the process. That is what I strive to deliver for every client.
What specific steps do you use to help your customers find the best home loan for them?
The initial consultation is very important and helps drive the entire process. It's important to understand each client's short and long term goals and how their mortgage will help them achieve those. By doing a deep dive in to what the client is looking to achieve, I can help tailor the right mortgage to help them succeed.
How long have you been in the mortgage business? What awards have you won?
During my time in the business I've won several awards including being in the Top 1% of mortgage originators and am currently a President's Club member at Guaranteed Rate.
What advice would you give new or first time home buyers?
Don’t be afraid to ask questions! Most first time buyers have a misconception of the process based on what they have seen in the media or have read online. Take the time to see if buying a home is right for you, and even if it isn’t right now, let’s put together a plan so that down the road it will be.
How has the mortgage industry changed since you started, and what would you expect in the future?
It has changed drastically, but for the better. We are in a full documentation world where every piece of information needs to be backed up with the correct paperwork. However, it’s not as intimidating as people make it out to be. By setting the stage up front with the first meeting, we can point you in the right direction and make sure that you are aware of the process and what is required.
What part of the home loan process do customers find most difficult and how do you help them through it?
Without the proper guidance, the whole process can get confusing. Customers lose track of what is supposed to happen in what order. I make sure to set the stage up front with what to expect in the process and provide continuous updates to make sure everyone is on the same page.
What are the top 3 misconceptions people have about the home loan process?
The biggest misconceptions are that you need a large down payment (3-5% options are back), it will take too long and it is a painful process. We strive to make the process as simple and as forward as possible.
What can borrowers do to insure a smooth mortgage underwriting process?
The easiest way to make the underwriting process smooth is to follow the advice of your loan officer with regards to the do's and dont's during the process and provide the needed documentation in a timely fashion.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up locally in Oswego, IL. I graduated from Purdue University and then married my high school sweet heart Lisa. We have 2 wonderful children together.
What provides you with the most satisfaction in your job as a Loan Officer?
The biggest thrill of this job is helping anyone obtain the dream of homeownership. Especially those that never thought it was possible.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I'm not at work, I love travelling with my family and playing golf.
Tell us something that makes you unique or something wacky, yet interesting about you?
At 6'7", I'm usually the tallest guy in the room!

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