Kyle Gillespie

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 223778
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TestimonialsCustomer testimonials Read more

Working with the team was fantastic My work schedule has been brutal, so having a team that was so responsive while at the same time taking time to address all of my questions, and make the transactional aspect so smooth was invaluable. I really can't say enough how grateful I am. Because they are all so good at what they do, it allows people like me to have that much less stress during a stressful time.

John O. - May | 2018

Considering we are repeat customers of Guaranteed Rate, I think that says it all! The entire team of loan officers that worked with us were extremely friendly, responsive and competent. We'd definitely recommend Guaranteed Rate to our friends and family.

Justin C. | April 2018

The loan terms were attractive. I also thought the Guaranteed Rate team was very easy to work with and stayed on top of things throughout the process. Everyone did a really great job of making the process as easy on me as possible and it was obvious that they put thought and effort into all of their work. They were also very quick to respond; other potential lenders were not always very quick. The website was also very easy to use for uploading documents, signing documents, etc. I was impressed...

Kevin S. | May 2018

Kyle Gillespie and his team were sensational. I am a residential attorney and have dealt with many lenders. I couldn't be more satisfied with how competent and professional his team was in dealing with my file. Exceptional!

Slobodan P. | October 2017

Kyle and his team are absolute professionals and I would recommend them to anyone. From start to finish their communication and personal attention far exceeded my expectations! Even when adjustments needed to be made due to circumstances outside of their control, they worked quickly to be sure everything went smoothly and we were able to close on time.

Darren S. -- Chicago, IL 10/07/2016

Kyle and his team were great. They responded in a timely manner to any questions we had and they made the loan process very easy for us. We were even ready early and got to close 3 days before the original date!

Kristin D. - 7/15/16

Kyle Gillespie and his team are always outstanding to work with. The moment I hear someone is thinking about buildin/buying a home, I tell them Kyle is their guy. We really appreciate everything he has done for our family.

Ryan G - GENESEO, IL | Feb. 2016

Great job by Kyle and the team. Easy transaction. Kyle and team were very patient with my many additional questions.

Michael L. – Chicago, IL | SEP 2015

I have gone through a home purchase 3 times before this. This has been by far the easiest and the most worry and stress-free. I attribute this to Kyle's professionalism, flexibility and excellent communication skills.

Bryan V. 07/30/2015

Kyle was there to answer every question and handle any issues. It was a breeze and he's a real professional.

Ryan G.– Mundelein, IL | JULY 2015

Kyle was great through the process! Often times, we had to move fast to get an offer put together and work through the numbers. Kyle was always working with us (sometimes later than the ideal time) and was great!

Mike H. 06/22/2015

Kyle was great and he worked tirelessly to get me approved very quickly! I was extremely satisfied with Kyle's work!

Stephen S. -- Chicago, IL 6/5/2014

Kyle was very responsive. He kept in close contact, took the time to answer all of my questions and explained everything in great detail so I understood the process and knew what to expect.

Deva S. -- Chicago, IL 2/18/2014

Kyle Gillespie was extremely helpful. He was always available for questions, answering in a prompt and thorough manner. I will recommend and work with him in the future.

George M. -- Chicago, IL 1/23/2014

I've worked with Kyle previously so I know and like how he operates. He's very clear about any fees or rates. I also like Kyle's attention to detail like how he gives me rates that apply to me, so I have options to chose from. He is always very helpful. This is probably the 4th time I've used you and every time has been great!

Jeffery S. -- Chicago, IL. -- 9/ 2013

"The process was easy and painless. Kyle and everyone that worked with us at Guaranteed Rate were extremely professional, consistently responded to questions quickly, and were very knowledgeable. I found Kyle through my real estate agent and It was an excellent client experience. I will be recommending you!"

Matthew T. -- Chicago, IL. -- 6/ 2013

"As a first time home buyer, I felt that all my questions were answered clearly and everyone I worked with was patient, friendly and helpful as I tried to understand how buying a home works! Aaron was phenomenal! He was very friendly, responsive and was able to provide clear answers to all of my questions. I would definitely recommend Guaranteed Rate to friends or colleagues. Everything about my experience was great."

Sara K.-- Chicago, IL, -- 6/ 2013

Hey, check out this amazing review from Snehal about Kyle! “I had a great experience with Guaranteed Rate. Kyle Gillespie was a pleasure to work with, along with his team. From start to finish, the process was efficient and everything was done on schedule. I got a great rate and a good deal on closing costs. I would recommend Kyle without hesitation. He was so patient in answering my questions and keeping me informed on our progress. I will use them again for any future needs!”

Snehal P. – Chicago, IL – 7/2013

Hey check out the glowing review from Elizabeth about Kyle! “Kyle and his team were excellent assisting me refinance my condo! The application, underwriting, and closing processes went very smoothly. I was able to close within the lock period with low interest rates. I received a great deal on my loan and closing costs were minimal. The title company representative came to my home evening hours so I could sign the closing documents, how convenient! I definitely recommend using Kyle and...

Elizabeth B. --Chicago, IL -- 02/2013

We had a great experience doing our refinance with Guaranteed Rate. The process was easy and it all went very smooth. Your follow up throughout the process was great and we just wanted you to know we were very pleased with the overall experience.

Wendy and Blake M.

Everything went great. Brian Mercer and Kyle Gillespie provided outstanding service.

Kevin N. - Chicago, IL 12/2011

We thought our loan process went very smoothly. Everyone we dealt with was courteous, knowledgeable and answered the questions we had in good fashion.

Larry G. - Geneseo, IL 9/2010

Kyle, Brian and Kaye took care of us and got everything taken care of in a nice timely matter. Everything went smooth. Awesome job!

Jeremy D. - Plainfield, IL 1/2011

Kyle, Brian, and Kaye were all very responsive and easy to work with. Everything was clearly explained.

Beau S. - Chicago, IL 7/2011

I have used this team twice in the past six months and both experiences were very positive.

Richard H. - Hilton Head, SC 04/2011

Kyle Gillespie was great to work with. Very good at his job and extremely responsive. I would give him a "10".

Anthony R. - Northbrook, IL 09/2011

Everything went extremely well - as fast as I could have hoped and without any glitches.

Lynne B. - Chicago, IL 10/2011

About Kyle

I have been in the mortgage business since 2003, and with Guaranteed Rate since August of 2005. I've closed over $400 million in loan volume in my career, and have received customer service awards every year that I've been in the business. It's an honor to be able to say that I have been ranked in the top 1% of all loan originators in the country in 2013, 2014, 2015, 2016, and 2017 by multiple publications.

Kyle interview Q&A

How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business since 2003, and with Guaranteed Rate since August of 2005. I've closed over $300 million in loan volume in my career, and have received customer service awards every year that I've been in the business. It's an honor to be able to say that I have been ranked in the top 1% of all loan originators in the country in 2013, 2014, 2015, and 2016 by multiple publications.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage will give more security in that a client will know that their principal and interest payment will never change for as long as they are in the loan. However, an ARM product can be very beneficial in many instances as they typically come with lower rates than fixed rate loans; especially if the client knows that they will only be in the home for a specific amount of time.
Tell us about a mortgage product that consumers may not be aware of?
Many consumers are not aware that 5% down loan options are still available for the purchase of a single family residence, town-home, or condo. The interest rates we have on 95% loan to value loans are currently extremely low, be it a fixed rate loan, adjustable rate mortgage, etc.
What part of the home loan process do customers find most difficult and how do you help them through it?
Without a doubt, the part of the mortgage process that customers, whether they are a first time home buyer or seasoned real estate investor, find the most difficult, is the amount of documentation that they are required to provide. Current mortgage lending guidelines demand that a full loan file be submitted to underwriting; so the best way to ensure a smooth process is for the loan officer and customer to discuss exactly what is expected and why. If this is done up front, and followed up with an email detailing the exact documentation that is going to be required, the client has the knowledge and a comprehensive list to use when they are preparing to send their lender their paperwork.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Geneseo, IL with my five younger brothers. I went to college at Augustana College in Rock Island, IL, and moved to Chicago in 2003. My wife and I are members of St. Alphonsus church in Chicago, and when we are not running our daughters around to their events, we enjoy getting out on the lake or going to the beach in the summer.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am the oldest of six boys, no sisters; so I knew next to nothing about girls growing up. Now I have two beautiful daughters and am having to learn everything on the fly!

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