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Nicole Thoman

Mortgage Specialist
1806 W Cuyler Ave, Suites 1W and 2E, Chicago, IL 60613
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NMLS: 1452640
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I would like to thank Nicole Thoman and her team for their help throughout this process. Chris and Michael were very helpful. I want to stress how appreciative I am of Nicole, she was there for us beginning to end. Her patience and willingness to help were second to none. Any question I had Nicole answered for me. Nicole is a great asset to Guaranteed Rate and I believe she is a model for fellow employees to follow. I cant thank her enough.

Michael C. - July | 2017

Guaranteed Rate offered us the best package for our 15-year refinance. They were the only company to offer a no-appraisal quote which saved us $500. We were refinancing less than 20% of the home's market value, so other companies insisting on an appraisal seemed a little odd. The closing officer that came to our home was quite pleasant and the entire process was easy. I hope to be able to use Guaranteed Rate the next time I need a mortgage whether it is for a new home or a vacation home down...

Heather T. - July | 2017

Nicole Thoman is a miracle worker and is very well versed in her craft.

Phillip C. - July | 2017

The service is excellent, so why wouldn't I use them again!

Brandon M. - Feb. | 2017

Nicole Thomas was amazing and very responsive to all emails, phone calls and concerns.

Jennifer S. - May | 2017

Nicole and her team made a very complex and time consuming process a real breeze compared to our last experience buying real estate. We had a clear understanding of what to expect and there were no surprises- only good ones! Most importantly, we closed inside the time window and at the closing costs that Nicole's team projected. Bravo! I highly recommend Nicole and Guaranteed Rate ! Our deepest thanks - We'll do this again!

Curtis & Maxine B. - July | 2017

Before contacting GR Loans, for years, I had feared refinancing my home based on the big banks and lending establishments from past experiences. It was about the same feeling you have prior to a dental appointment. My FICO score was not a problem, it was the "jumping through hoops" method some loan companies operate by.The GR Loan Team made it so easy to re-finance my home at a very low rate. I want to thank the team that worked to make my loan process go so smoothly. Nicole Thoman, thank you...

Timothy B. - Gastonia, NC | AUG 2016

I've heard stories of the trials and hassles of friends and co-workers in buying a home, but from the very beginning to the funding, it was almost a seamless endeavor for me Thanks to Nicole and her team. Nicole was brilliant, giving me a clear and concise list of required documents, and much needed reference materials regarding the entire process. Nicole and her team lessened the stress and anxiety of the largest purchase of one's life. I'll recommend you to friends, which is saying something...

Walter F. 04/06/2016

About Nicole

With over 9 years in the banking and finance industry, and now focusing on mortgage origination, I approach every loan as though I would be advising a family member. The world of mortgages can be quite daunting and I am here to make the process less complex as well as fun! I am currently licensed in Florida, Illinois, Texas, California, North Carolina, Louisiana, Alabama, and Maine.

Nicole interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
The most important aspect of my job will always boil down to you. You are the reason I do what I do. My motivation is fueled by your needs and my duty is to help you to achieve your goals. It's that simple.
What advice would you give new or first time home buyers?
The mortgage loan is the largest transaction most Americans will make in their lives and I am here, not only to advise on loan programs or options, but also to educate you on the process. I believe that knowledge is power and the more you know, the more confident you will feel throughout the progression of the transaction. I provide all first time home buyers with information not only on their loan options but also the mortgage transaction process in and of itself. I believe it helps to be aware of the flow of events, which occur throughout the time your loan is processing as it helps one to know what to expect.
What can borrowers do to insure a smooth mortgage underwriting process?
You are a huge determining factor when it comes the fluidity of your loan experience. If you are quick with responding to communications, quick to provide any additional documentation or information that is required, then you will be the true MVP. This is a complex transaction and the more you understand that you are part of the success of its completion, the more you will enjoy the process. Team work makes the dream work!
What provides you with the most satisfaction in your job as a Loan Officer?
The most satisfying part of my job is knowing that I am helping people. The American dream is still alive and stronger then ever. I am happy knowing that what I do helps to makes those dreams a reality.
Tell us something that makes you unique or something wacky, yet interesting about you?
My determination and diligence is not prevalent in the mortgage world alone. I am an adventurer by nature and am always setting new challenges for myself. In 2015 I challenged myself with the completion of hiking the Appalachian Trail, as well as the Inca Trail to Machu Picchu. I am also a certified SCUBA diver and being originally from South Florida, I have been involved with several outdoor activities throughout my life. I continue to challenge myself by running in various races throughout the year as well. I find it important to not only challenge yourself mentally but also physically.

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