Melissa Griffey

Vice President of Mortgage Lending
716 W State St, Ste E, Geneva, IL 60134
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NMLS: 191670
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Melissa and Her team went the extra mile for me! It made a difficult time pleasant. Thank you!!

Lynn K. | July 2018

Melissa Griffey and her team were efficient, kind, quick, and responsive. This is the 6th house I've purchased, so I have some experience with getting home loans, and this was by far my best experience. An no time was a worried if the loan would be funded on time due to lack of organization on the team's part. We were made aware of every step of the process by every team member, which inspires confidence and trust. Melissa also called after we were closed to sincerely congratulate us on our...

Heather C. | May 2018

Melissa Griffey and her team were fantastic. They made the whole process easy and enjoyable.

Dave S. - June | 2018

Melissa was wonderful and extremely helpful! The entire staff made obtaining my loan fast and easy!

Cherilyn J. | June 2018

Melissa Griffey is wonderful to work with.

Kenneth K. | June 2018

Melissa and her team made the process of buying my first home easy and stress free. Thank you for answering my many questions and helping me through the process.

Heather W. - May | 2018

Melissa and the whole team did an outstanding job. They were all quick to answer my questions and process my loan with as little drama as possible. Great experience.

Paul V. | April 2018

The process went very smooth. They were in constant contact and we were able to close in 30 days. Could not be happier!

Jennifer J. - May | 2018

Melisa Griffey was a pleasure to work with. Carla was very helpful.

David C.

I have been relocated geographically four times with my company and two times due to personal wishes. The biggest pain point in the past relative to the move has always been the lack of communication from the lender and uncertainty with the loan progress. It is clear that my definition of customer service and the lenders' definition were not aligned. NOT SO WITH MELISSA GRIFFEY and TEAM GRIFFEY! Melissa has helped us on all our personal real estate transactions both primary, investment and...

Mark H. || December 2016

We highly recommend Melissa, she provided us with great guidance and service throughout the process. She was responsive, honest and helpful. The loan closed on time and as expected. We've purchased several homes over the past few decades and Melissa was the best lender that we've used. We plan to use her on our next home purchase and have recommended her to friends and family. Thanks Melissa!

Trevor H. || December 2016

Melissa was the best! We worked with Melissa on two re finances and she was amazing! Always available for the endless questions and helped educate me along the way! I would highly recommend her!

Julie E. || December 2016

The folks we dealt with at Guaranteed Rate exceeded my expectations. Melissa Griffey and Carla Hastert made this a hassle free, user-friendly and positive experience. I have had stressful and seemingly never-ending mortgage experiences in the past. I have had the pleasure of partnering with Guaranteed Rate in the past and I will not use anyone else in the future.

Mark H. || December 2016

Melissa Griffey was the best! Communicative, thorough, pro-active, and friendly.

Robert W. || December 2016

This is the 2nd time we have worked with Melissa because she was so great the first time. We really appreciate how quickly she responds, and just generally makes it happen! Thank you again!

Daniel P. || December 2016

Melissa at Guaranteed Rate was great to work with - she responded quickly, made sure we knew what to expect, and kept the process moving. We wouldn't have been able to close as quickly without Melissa and her team!

Danielle A. || December 2016

Thanks Melissa. Appreciate your ability to get us a great deal!

Jim H. || September 2016

The previous mortgage company and loan officer we used (from a different mortgage company) was a nightmare. They wouldn't return our calls, e-mails, didn't receive the clear to close until a few hours before closing, didn't show up to the closing, etc. Guaranteed Rate is on the complete opposite side of the spectrum. Their online program to submit documents is incredible. It made the entire process easy, smooth, with no issues what so ever. I am beyond grateful that I was able to work with...

Tyler L. || September 2016

Thank you so much, Melissa :) You've been so great to us!

Mackenzie L. || September 2016

I had a fantastic team of people that worked very hard to help me obtain my loan and get through my closing stress free.

Debra L. || July 2016

Melissa Griffey is the best mortgage consultant I have ever worked with. She is top notch!

Mark W. || June 2016

Coming into this experience I was scared out of my mind, but Melissa took the time to explain everything to me even before I found my new home. She would always call and follow up to check in on me and see if I needed anything. Once I found my home, it felt good to know that I was being taken care of. Like I said, being scared as a first time home buyer Melissa and her staff made it very easy and understandable. I would definitely recommend them to any of my friends! Thank you so much!

Shannon G. || June 2016

As a first time homebuyer and a person who is financial lingo challenged, guaranteed rate made this process simple and easy. Melissa and her team answered all my questions and provided me with clear directions. I've heard horror stories from people buying homes, but my experience was smooth and wonderful! I walked away pleasantly saying "that's it?" And can now focus on getting situated in my new home. Thank you!

Hannah S. || June 2016

Melissa was incredibly easy to work with, and did a great job expediting things for my home purchase!

David V. || May 2016

After feeling my normal bank was not doing enough for us, Melissa and her team made the whole process go smoothly. Great job.

Thomas H. || May 2016

Melissa, you all did an awesome job!  I just realized how fast the closing was.  That was only just over an hour. It was great finally meeting you in person too.

Joe A., Atty || May 2016

Melissa Griffey and her outstanding team provided me with the lowest interest rate and best loan product. Additionally, I was clear to close in record time, and Melissa made sure my closing was completely stress free. What I like best about this team is their excellent communication - every step of the way! They did a phenomenal job for me!

Beth S. || May 2016

Melissa Griffey and her team were wonderful to work with. Melissa was available during nights and weekends, which certainly came in handy throughout the process. She was friendly, knowledgeable, and ensured I was comfortable. The process was smooth, and I wouldn't hesitate to recommend her to friends and family in the future!

Ashley W. || April 2016

Melissa did a great job explaining the process and answering all my questions. She was quick to reply, and very easy to work with!

Terri A. || April 2016

We were referred to Melissa at Guaranteed Rate from our realtor because we were not happy with the previous lender we were dealing with. I'm so great full for the referral because Guaranteed Rate didn't disappoint. They made it easy for us. We were first time home buyers, so it was great that we had someone to explain the different types of loans and their recommendation for our situation. The electronic document signing and document uploading was great and convenient. We received quick...

Priscilla R. || April 2016

This is what happens when you use the best lending team.

Mark M., Atty. || March 2016

From start to finish, Melissa Griffey and Amy Brady made this loan process easy and painless. They were always available to answer questions and I never felt like I couldn't get answers to questions I had. Additionally, I never had to wait long for the answers. I would rate these two ladies an eleven on a scale of one to ten!

B.Y. || March 2016

The entire team, lead by Melissa Griffey, was prompt, accurate, competitive, and delivered excellent value. Give them a pay raise please! Thank you.

Don D.

Thank you! Thank you all for such great communication throughout this whole process.  I really appreciate it.


Melissa Griffey was great! She responded immediately and addressed my questions honestly and accurately.

Joshua K. – Aurora, IL | AUG 2015

Melissa was extremely helpful, she would always contact us with new information! As new home owners the process couldn't have gone any better thanks to our lender

Anahi V. – Aurora, IL | Apr. 2015

I was very pleased how easy and smoothly everything went and the fast communication. Melissa Griffey did a great job!

Janet L. – Naperville, IL | Apr. 2015

Melissa is the best!

Randall O. – Chicago, IL | Mar. 2015

Melissa Griffey is great!

Michael S. -- Wilmingtoon, IL. 10/17/2014

I wanted to take the time to say THANK YOU! We came to you with about 10 days until close unhappy with our previous lender and you got us to closing with the interest rate that we wanted without any flaws or issues. The original lender was submitting paperwork late and extremely unprofessional to work with (which seems odd for such a large bank). Not to mention they raised our interest rate 3 times during the process. Your professionalism and positive attitude made the process so much smoother!...

Samantha and Dustin August 2014

Thank you so much for once again taking care of my family. While the whole process of buying a new home can be very stressful,you’ve instilled confidence that your part in the process will be as seamless as possible.


Melissa was great! I was very impressed at how smoothly the whole process went. She really seemed to be on top of everything, if anything came up she let us know right away. I was very happy to see our loan officer at the closing! It made me feel very confident that everything would go smoothly knowing that she was there in case any problems arose.

C.M. May 12, 2014

It was great working with you on obtaining the mortgage for our townhome purchase. Thanks for all of your advice, counsel and expertise! You are a true professional who always made me feel very much at ease and in the know throughout the entire process. I appreciate all the recommendations and advice during all the questions/calls. Without your involvement our closing would have been much more painful and protracted. You always had our best interest in mind, and patiently dealt with all...

R.Z. Palatine, IL June 2, 2014

Everything went very well! Melissa was fantastic! She was able to answer all of my questions precisely on time and she was such a professional!

Joseph S. -- Bolingbrook, IL 4/28/2014

Working with Melissa Griffey was such a pleasant experience. She was extremely helpful and made the entire process go smoothly!

Steven 9-13

Perfect, everything went great. We couldn't be happier. Melissa was perfect; we've known her for years.

C.L., Realtor

Melissa, Kristy, and Michelle were awesome to work with! They were always there when we had questions and sought out solutions to any snag we came across!

Ryan 8-13

Big thank you to all for such a quick and professional effort!!!!

Susan 8-13

Melissa Griffey did an excellent job of keeping me informed during the process and handled everything professionally.

Julianne 8-13

Melissa Griffey could not have been more organized or professional. Great to work with and make a complicated process extremely smooth.

Alex 8-13

It is such a pleasure having YOU as my client's lender. I really appreciate all you do.

Dianne, attorney 8-13

We were really happy with your work with us and we will send everyone your way. Our new house is awesome, thanks again and keep up the good work.

Paul 8-13

I trust Melissa Griffey, VP of Mortgage Lending, and would recommend her without reservation to anyone looking for a loan.

Lisa 7-13

Melissa Griffey made this one of the easiest home buying experiences I have had. She is GREAT at what she does and it shows that she cares about her clients.

Jamie 7-13

Melissa Griffey and the team were great. They kept me informed and guided me through the process very well.

Susan 6-13

The process went smoothly and questions were answered.We had a positive experience with them.

Charles A. 5-13

I am actually OVER satisfied, everybody continued to follow-up with me even after I closed. I got a great mortgage through you guys.

Jim R. 3-13

Hey, check out this amazing review from Corrie about Melissa! “Thank you to Melissa Griffey and the Naperville, IL team for another smooth closing! I wish more of my clients would work with you because you deliver what you promise - on time!”

Corrie H., Realtor – 5/2013

Hey check out the amazing review from Khan about Melissa! “The entire team was very helpful and approachable especially Melissa Griffey. Thank you so much offering the best mortgage plan and walking me through a complicated process!”

Khan M. -- Bloomington, IL -- 01/2013

Great experience! You made everything easy and stress free for me. Rest assured that if anybody is in need of loans, I will definitely refer them to you.


Melissa helped my husband and me refinance our mortgage. What can be a cumbersome, labor intensive process was surprisingly effortless and fast. Melissa handled all the documents electronically and if we had questions along the way we never had any trouble reaching her. Working with Melissa was a very pleasant experience and I would recommend her without hesitation to anyone.

Jennifer O.

Wow, talk about 110% that is Melissa. I so appreciate working with her. Whenever I have a question, need an update, or require an immediate fix Melissa is there to help. I never need to wonder where a loan stands because she continually lets me know what is happening. I can always feel confident that our client's needs are being served in the best possible manner. Thanks Melissa!

Helena K., Broker

Melissa has worked with me twice in the last few years. Both times she has gone out of her way to take care of the mortgage process. She has always delivered what we set out to accomplish even when roadblocks appeared. The second time that we worked with Melissa was because she was looking out for our best interest. I highly recommend Melissa to anyone that has the opportunity to work with her.

Ken H.

Melissa is efficient, detail oriented and stakes her business on finding the best financial answers for her clients. She has built a team of professionals in order to capitalize on superior customer service. She is an asset to both her clients as well as to those who are part of her team.

Teresa H.

Melissa delivered everything she promised. Great market rates, good communication at every step along the way. Would highly recommend her to anyone needing a mortgage.

Eric K.

Melissa is the consummate professional! I am always pleased to refer Melissa to my Clients who are either purchasing or refinancing homes. Because of Melissa's expertise, professionalism and integrity, I can be completely confident that all who work with her will receive caring, thoughtful and unsurpassed mortgage service.

Carole M.

Melissa helped get us a refinance mortgage on our personal home a few years back and did a great job. She has much experience in the banking, title insurance and real estate business.

David N.

I have found Melissa to be very helpful and easy to work with.

David A.

In the times that we have worked with Melissa, she has been great to advise us as to when to refinance and has always looked for the the best possible option, We feel totally confident and comfortable having her handle our mortgage needs.

Mike C.

Melissa was great to work with. She explained every step along the way. Her detailed knowledge of the mortgage process was clearly evident when asking more complex questions. I highly recommend Melissa and would definitely work with her again in the future.

Kevin J.

Melissa is detail oriented, never drops the ball,very comprehensive and best of all, is very nice to work with. I would hire Melissa.

Don F., Broker

Melissa was creative and very trust worthy in getting the job done and on time. A pleasure to work with.

Joseph S.

Melissa is not only a friend, but a great person to work with. She is professional, trustworthy, and reliable. My experience has be very positive working with her. She is extremely knowledgable in her field. Refinancing with her has been head-ache free.

Jennifer C.

I had a fantastic experience working with Melissa, and I'm not sure our deal would have closed if not for her close attention to detail, diligence and responsiveness. Melissa was ahead of every potential pitfall, and took proactive steps to avoid delays in the process. She kept everyone on both sides of the transaction informed along the way, and remained easily accessible for questions or concerns. In addition, her always pleasant demeanor and positive attitude made her a pleasure to work with.

Pete C., Realtor

Everything went extremely well! Melissa Griffey was very helpful throughout the whole process and even personally came to the closing to ensure that everything went smoothly. We couldn't be happier!

Chris D. - Naperville, IL 6/2012

About Melissa

I have over 28 years experience in the banking industry. I have personally facilitated over 5,000 mortgage closings and leverage that experience every day assisting my current clients.

Through my extensive experience, I understand what is important from both the lenders’ and borrowers’ perspectives.

With Guaranteed Rate, I have access to the most competitive rates and loan programs available today.

Melissa interview Q&A

Who is your typical customer and what questions do they typically have?
My clients range from first-time homebuyers to a more seasoned buyer who may have purchased many homes in the past. They include people interested in buying a primary residence, a second home, a vacation home or even investment property. Clients normally have many questions concerning the type of product that is best suited for them. I can offer my clients fixed rate products, adjustable rate products, jumbo loans, FHA and 203K loans. I take personal pride in explaining the various options and allowing my client to decide what product(s) might work best in their particular situation
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I have several of these success stories. In fact, some of my most enjoyable moments have been when I was able to offer a solution to an individual when other lenders had turned them down. Many realtors and attorneys often refer deals to me because they realize that I can get things done. That trust is often one of the most rewarding circumstances for me. Very often I have encountered clients that have been turned-down by another bank because of low credit score. In some of these cases, I can perform a “rapid rescore” process and actually improve their credit score. This can often result in a successful loan qualification. This, possibly above all else, makes for happy buyers, attorneys and realtors.
What are the top 3 misconceptions people have about the home loan process?
“Mortgage rates can change over a period of days or weeks.” In today’s market, rates can actually vary intra-day. Thus, the rate that you are quoted in the morning may very well be different in the afternoon. “Internet-based mortgage companies will always offer more favorable mortgage rates” Many folks believe that online rate quotes will be, by their very nature, superior to a brokered-offered rate. This is, in many cases, incorrect. “To purchase a home a 20% down payment is always required.” This notion is also incorrect. There are many loan products that I can offer to my clients that require as little as 3% down. “Existing cash is always an acceptable form of down payment.” This may not always be the case. Cash offered as a down payment must have a verifiable source. Banks require the client to document the source of any offered cash. If they cannot, the cash would not qualify for down payment proceeds.
What provides you with the most satisfaction in your job as a Loan Officer?
I enjoy guiding my clients throughout the loan process from their initial inquiry to their loan’s successful completion. I take each and every loan personally. I believe that I am capable of accomplishing all of the wide-ranging tasks involved in the loan process because of my lending experience and personal dedication to my clients.
Tell us something that makes you unique or something wacky, yet interesting about you?
In addition to being a mortgage professional, I enjoy swimming, biking, and running. I also enjoy a good racquetball game and, in the winter, I often go snowshoeing. I completed a half-ironman competition in 2007 and have participated in several half-marathons as well as triathlons over the years. Most importantly, however, I just like to spend time with my husband and daughter. Prior to becoming a mortgage professional with Guaranteed Rate, I was employed by Chicago Title Insurance Company as a contract closer. During my tenure with Chicago Title, I completed over 5,000 residential and commercial closings.

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