GuaranteedRate - Mortgage Company

Michelle Freeman

Vice President of Mortgage Lending
7808 W. College Dr, Ste 2NE-SE, Palos Heights, IL 60463
Contact Michelle
NMLS: 426867
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TestimonialsCustomer testimonials Read more

My loan officer Michelle answered every phone call, every question that was addressed, and explained everything to my understanding. Michelle is very professional, such as researching a question and getting back to me within a reasonable time frame, never did I have to ask the same question twice. Thank you for making me feel like I was your only client. You made this very personable which made me feel confident in your ability to get this job done.

JoAnn H. - Worth, IL | JUL 2016

Michelle Freeman was ALWAYS available to answer calls when I had questions, and she kept us informed about the process every step of the way and provided us with details as they came in. Rachel Reed was very quick with the correspondences when assembling everything for the loan. Not a single headache! Great experience.

Ryan H. - Flossmoor, IL | JUL 2016

" From the First meet With Michelle Freeman she made us feel comfortable and trustworthy of her she was very up front with our loan, very proactive keep in touch with us all the way through our Experience as first time home owners she was great along with Rachel Reed they are a very good team to work with In fact I've already recommended 2 other clients that looking to be first time home owner. Thank you Guarantee Rate "

Maurice W - Chicago, IL | Feb. 2016

Guaranteed Rate, Michelle Freeman and her team made the entire process go a lot smoother than I ever expected

Nectaria B. – Mokena ,IL | June 2015

Michelle worked hard to get us closed within four weeks.

Robert D. - Lavonia, GA | Nov. 2014

About Michelle

I was fortunate to get in the mortgage business in 2001. I started in the business as a processor and a Loan officer assistant and worked my way up to originating on my own in 2005 and have not been happier. I am happily married to my husband Dave and have two awesome children, DJ & Paige. My biggest enjoyment in life is watching my children grow as individuals in school and sports. I also enjoy working out and I still play softball after 30 years.

I put my customers first and am very attentive to their needs such as getting back to them same day and explaining to them the process in full detail so they are always aware of the next steps. I love what I do and I love watching my customers walk away from the closing as happy new homeowners.

Michelle 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 15 years. Learning the business as a processor and loan officer assistant gave me the confidence to originate on my own. Learning from that perspective made me a more efficient loan officer.
Who is your typical customer and what questions do they typically have?
I do work with a lot of 1st time homebuyers and they pretty much need to be walked through the process from the beginning and the end. I explain to them the options with down payments and difference between programs and how each option would affect their payment. I also let them know about the down payment assistance grants that are available and see if they could qualify. Even borrowers that haven't purchased in a while have many questions as well, I make sure they are aware of their options and how the process has changed since they last purchased.
What specific steps do you use to help your customers find the best home loan for them?
I will break down each option to them by showing how much cash they will need for closing as well as breakdown the payment by principal & interest, home owner's insurance, property taxes and PMI (private mortgage insurance) if it is required so they can compare each payment. I will show the difference in the interest rate, closing costs, how the property taxes can effect the payment and how long you will need the PMI based on how much is put down and what program they choose. I basically will make sure they are educated when they choose the option that best suits their needs and their family's needs.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for 15 years. I have been awarded a National Achiever award 4 times in my profession when I worked for a bank. I was chosen by my peers and management to be enrolled in Lending manager training that only 1% of the originators were chosen for. I decided to remain as a loan officer however because I enjoy what I do too much.
What advice would you give new or first time home buyers?
I would say to ask as many questions as possible, if you do not understand something please just ask. It can be overwhelming but purchasing a home can be exciting and a good investment. Make sure you know what all your options are before you make a decision.
What part of the home loan process do customers find most difficult and how do you help them through it?
One part of the process that is difficult is the borrower trying to understand why we need certain documentation to get the loan. We have many search engines in place and things we need to do behind the scenes that you would not know about, these are all put in place to protect us and you. If you provide the documentation needed quickly, we can move the process a lot quicker and smoother.
What provides you with the most satisfaction in your job as a Loan Officer?
Watching a new homeowner smile when they get their keys after the loan closes. Also to know I did all I could to give the customer a smooth experience and worked hard to get the loan closed on time.
Tell us something that makes you unique or something wacky, yet interesting about you?
I take my time and make sure the borrower is legitimately approved at the beginning of the process so that they are confident in moving forward with putting an offer in.

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