Michael F. Bischof

Regional VP of Mortgage Lending
10 Executive Court, Suite 3, South Barrington, IL 60010
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NMLS: 152124
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Mike and the team did a great job in making it happen!

Kevin H. | July 2018

Great experience. Jake did a great job communicating with us and personally help us through every step.

Timothy G. | June 2018

Very impressed with all people at GR. They quickly replied to all questions and helped make our out of state move as easy as possible.

Randall S. - June | 2018

The online submission of documents and auto signing of documents made the process quick and efficient. The checklist feature is great in keeping track of required document submissions. Constant updates and communications from the mortgage team kept me informed on the progress. And being able to have the closing happen at home was a bonus. I've used Guarenteed Rate several times and each time has been an excellent experience.

Elizabeth M. | May 2018

I have worked with the Michael Bischof in the past. I was satisfied then and I continue to impressed with Michael and his team. For me, it comes down to a matter of trust...do you trust that your lender has your best interests at heart. I have 100% confidence in Mike and his team. A special "thank you" to Jacob Deyo! As an aside... the closing went very smoothly...both Buyer's and Sellers attorneys commented "Guaranteed Rate is one of the Mortgage companies that we can rely on to get the...

Charles B. - Lake Barrington, IL | APR 2017

Mike Bischof and his team were very easy to work with. They were responsive to questions and provided great information. The application process was quick and easy and communications from them were timely and easy to understand. It was a great customer experience.

Eugene D. - Barrington, IL | JAN 2017

Mike Bischof has been a trusted advisor for me and many of my clients for years. I know that he always has my best interest in mind when reviewing opportunities and options for making a sound financial decision with my personal property. I recommend Mike to not only my buyers, but to buyers of my listings and to all other personal contacts in my sphere of influence. He is responsive, diligent and has great follow up and follow through. Mike and his team follow in a timely fashion, have an...

Tara – Broker Associate

Michael, Jacob and the entire team were first class on every level. They went over and beyond the call of duty- early in the morning, after hours, weekends, holidays. We need more dedicated people like them on this planet. They deserve every honorable mention that I can bestow upon them.

Tony B. – 4/15/2016

Mike Bischof and his team were the ultimate professionals. Every step of the process was clearly spelled out beforehand, then communicated as each step was completed. Everything went as expected. They quickly responded to just a couple questions that came up during the process.

Steven M. - 2014

Mike Bischof and his team were great - lots of personal attention from financing brainstorming, through application process, and leading up to closing. This is the third financing engagement I've done through Mike and I couldn't be happier. I would recommend Mike Bischof to my closest friends and colleagues.

Kevin R. - 2014

I have had excellent service from Mike Bischof and his team on previous loans and have recommended them to several coworkers and family members who have also been pleased with their experience.

Brad H. - 2014

I am a repeat customer of Mike's and I respect him and what he has to say. Mike explains everything in detail which is helpful.

Kim B. - 2014

This was the most seamless refinance that I’ve ever had. The whole staff was professional and efficient. Painless!!! Loved them!!

Kevin B. - 2015

Everyone we worked with made the process so smooth and pain free. The process at Guaranteed was so seamless. Everyone was very helpful, knowledgeable and diligent. You will have my highest recommendation!

Todd B. - 2015

Thanks so much for your help and assistance! Everyone was very professional and courteous.

Jennifer G. - 2015

Mike Bischof and team were outstanding and I've already recommended them to others. Highly proficient and professional.

Warren K. - 2015

This was the most pleasant refinance experience we had. We have refinanced six times in the last 25 years. The entire staff was very helpful. Great Job Guaranteed Rate staff!!!

Michael P. - 2015

Mike Bischof and the rest of the team were very professional, courteous, responsive and organized. They made the entire process transparent and stress free. It was great working with all of them.

Tom E. - 2015

This is the 3rd time I have refinanced with this team. The process has gotten smoother each and every time. The team is always readily available to handle any issues that come up and are very helpful and knowledgeable about all the various ins and outs. It was once again a pleasure, thanks!

Chris C. - 2015

Everyone was very knowledgeable, helpful along the way, and made this process very easy.

Kelli M. - 2015

Very professional staff. Michael Bischof was on top of everything from start to finish. Very happy.

Ronald F. - 2015

Mike Bischof and his team did a great job with helping us out with our refinance. I've been a long time client of Mike's and he never disappoints.

Vincent S. - 2015

Everyone I dealt with was knowledgeable, professional, and friendly. They made the process as easy as possible.

G. Guthrey - 2015

Mike Bischof and his team were very efficient and helpful from initiation to closing.

Edward L. - 2015

Mike Bischof was very professional, attentive, and sympathetic. He was very reassuring during the entire process.

Joe F. - 2015

Someone at Guaranteed Rate was always available to help me. Everything I requested was cared for in a timely manner.

Mary K. - 2015

I had a lengthy and slightly complicated loan and Mike Bischof worked with me to ease the pains of the process and did everything possible for me to finally get approval and close on the loan.

Seun O. - 2015

I have never experienced a smoother process in my 27 years as a business owner and dealing with mortgages and bankers. Very impressed with the overall experience and the closing was completed at my office on my time.

Scott R. - 2015

Great service, competitive rates, ease of use. They made the process easy.

Peter N. - 2015

Everyone involved was extremely attentive, on top of the details, and eager to answer any questions. There were no surprises, as they anticipated the ins and outs of our particular situation. Mike gave me options when others suggested we could not obtain a mortgage.

Emory S. - 2015

Mike Bischof’s team was great! I’ve already recommended Mike Bischof to a friend looking to refinance.

Gina C. - 2015

The individuals that I personally spoke with were professional and followed up in a consistent manner.

Michael S. - 2015

They had very quick response times and were very helpful.

Jeff B. - 2015

Professionalism, personal concern, swiftness in attending and bringing about our objectives. In other words, kudos to the officers and staff of Guaranteed Rate.

Vito V. - 2015

Guaranteed Rate was able to find solutions and keep everything on track. Also, excellent communications throughout the process. Thank you!

Sara G. - 2015

The team was a pleasure to work with and providing important counseling to ensure the process went smoothly. The entire team was attentive, proactive, and very accessible.

Craig B. - 2015

Great rate and a responsive team to get everything ready for closing.

Thomas H. - 2015

The whole experience was awesome, everyone was very helpful! Everyone I worked with was awesome!

Robert S. - 2015

I trust Mike Bischof; it was very simple; seamless, transparent, easy process!

Patrick K. - 2015

Mike Bischof clearly explained several refi options. It was fairly easy to decide on the best choice.

Randall S. - 2015

Michael made the process easy.

Peter N.– Mundelein ,IL | JULY 2015

Mike Bischoff clearly explained several refi options. It was fairly easy to decide on the best choice.

Randall S. – Palatine, IL | Feb. 2015

Great experience with Michael Bischof's team at Guaranteed Rate. Great communication along the way and very helpful given our need for a quick turn-around. Highly recommended!

Jason Y. -- Wheaton, IL. 10/29/2014

Mike is best in class! Best refi experience ever!

Russel R. -- Palatine IL. 10/10/2014

I appreciated Mike Bischof's continued involvement through the whole process. He was very professional and made the experience easy!

Diana S. -- Sugar Grove, IL 8/27/2014

I am a repeat customer of Mike's and I respect him and what he has to say. Mike explains everything in such great detail!

Kimberly B. -- Elk Grove Village, IL 6/30/2014

Hey checkout the review from Richard about Michael! “EVERYTHING, from the application process, underwriting, processing through closing exceeded my expectations. Good treatment, quick, good rate, a painless process. I am comfortable that the team from Guaranteed Rate would treat my referrals professionally and with care!”

Richard R. -- Fox River Grove, IL -- 04/2013

The loan process with Guaranteed rate was spectacular. Mike Bischof and his team took the time to teach me about mortgages and taxes, and made sure I fully understood the complete process. Everyone that I worked with (Mike, Al, Mary, Laura) was very prompt and helpful throughout the process.

Robert P. - Des Plaines, IL 5/2012

About Michael

Today's complex financial environment mandates that financially astute Americans fully understand the value of strategically integrating a mortgage into their entire financial picture. To create wealth, most investors (and advisors) focus almost exclusively on managing assets to increase net worth. Early on, we were taught that (Net Worth = Assets minus Liabilities.) The liability side of the balance sheet is often neglected or at best given surface level attention. This begs the question: As a homeowner, who is managing your liabilities? As a financial advisor, who is managing your client's liabilities?

The "traditional" mortgage industry mistakenly markets itself as a fulfillment channel that facilitates the delivery of a simplistic product for a seemingly simplistic need. Herein presents the problem. With 20 years in the mortgage management business, I am a financial advisor that chooses to focus exclusively on the liability side of the balance sheet. I work closely with my client's key advisors to present and implement the best practices and strategies on behalf of the client. In the end, my tangible deliverable to the clients and advisors is not only a mortgage but a broader appreciation of liability management.

Clearly, the manner in which we determine an optimal strategy separates us from anyone else in our industry. We elevate the client and advisor's understanding and utilization of core financial principles such as opportunity cost, positive leverage, arbitrage, simple versus compounding interest, and ROI calculations. We combine these with separately developed principles such as "Baseline to Beat (TM), Delta Tax Analysis (TM), Build Your BOA (TM), and The Cap (TM).


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