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Roberto Delgado

Branch Manager - Producing
1240 Iroquois Ave, Ste 300, Naperville, IL 60563
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NMLS: 254016
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Roberto and his team were thoroughly diligent and knowledgeable to help navigate the opportunities to refi and execute a new purchase. They answered every question and tracked down every detail. Simply superb!

Dima E.

We were really happy with Robert Delgado. He did such a great job and patiently explained every question and concern we had, and there were a lot, especially being first time home buyers. We will definitely recommend his services to friends and family.

Janet H.

Robert is our go to guy! I strongly recommend his services to anyone looking to obtain a loan. He is always up to date with the current world news and it's effects on the mortgage industry and rates. He is reliable and always makes himself available. Thank you Robert for always taking care of us.

John & Claudia S.

I just wanted to say how very much we appreciate everything that Roberto and his team, did to make this happen for us. I felt so comfortable knowing that I could ask my million and seventeen questions, and was never made to feel like it was not necessary for me to know and understand every part of the application and mortgage process. I worked with three other agents before I called Roberto, and they all could not have been less interested in a challenging mortgage applicant situation, which he...

Brittany W. -9/1/2016

La pasiencia y el tiempo que me dieron para esplicarme todo el prosedimiento por todo esto gracias especially to Robert thanks. “The patience and time that Roberto gave me to explain the whole process was Great! Thanks Roberto!”

Ezequiel Lopez M. | 07/29/2016

Robert Delgado was extremely helpful and very pleasant to work with, I felt comfortable and secure with him. I have already referred several people to Robert and Guaranteed Rate.

Laura D. – 7/29/2016

About Roberto

I am an experienced mortgage banker working in the Greater Chicagoland Area.

Lived and worked in the Western Suburbs for the last 20 years. 95% of my business comes from referrals. I build strong relationships with my clients and many of them consider me a life long adviser. I am passionately focused on helping people obtain the best rate and closing cost scenario on their mortgage.

I have been a mortgage banker and broker for over 15 years. I have owned a mortgage company as well as ran branches for multiple other companies. I service many areas of Chicagoland including Naperville, Plainfield, Oswego, Aurora, Montgomery, Elgin, Joliet, Schaumburg and Wheaton.

My team and I are very hands on with the entire process. I take the time to track the bond market daily in order to give you an affordable mortgage rate and closing cost scenario.

I am fully committed to providing each of my clients with personalized service and make their loan process a smooth transaction from beginning to end.

Roberto 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 Industry for 15 years. I was inspired to get in the business from a friend that thought I would make a great match with my upbeat personality and attention to detail.
Who is your typical customer and what questions do they typically have?
I work with clients in all age ranges from young couples to seasoned professionals who are looking for mortgage planning.
What specific steps do you use to help your customers find the best home loan for them?
I usually start by asking them many questions on their personal situation to figure out what is most important to them. I start by asking many questions about their main needs, how long they plan to stay in the property or how long have they lived in the property. I also track the bond market and explain to them how rates change on a daily basis and I how I can use this to help them obtain the best interest rate from the time they apply to the time they close on their loan.
How long have you been in the mortgage business? What awards have you won?
I have been in the business for 15 years. I have not won any awards per say but I have increased my business in the last three years. I usually increase my production about 25 to 30 percent in the last four years. I plan on this growth to continue with Guaranteed Rate.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The pros of a fixed-rate mortgage is that the rate is never going to change in 30 years. For those that like to have certainty, this is great loan. However, statistics have shown that most mortgages usually don’t last longer than nine years. The likelihood of you staying in a loan longer than five years is usually less than 75 percent so an adjustable rate mortgage can be a good option if the rate is much lower and the term is longer like a five or seven year term.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I just had a client that was denied by several lenders she spoke with. She was recently divorced. She only had one month of her child support and maintenance payment. I was able to research the guidelines and get her done with a copy of her divorce decree and one months payment only. I believe presentation is everything in the mortgage industry. The more details you can provide can provide a different result.
What advice would you give new or first time home buyers?
Work with a professional who answers your questions in a manner that will leave you with no doubt that you are working with the right professional. This involves laser focus on your needs and they will answer every questions with great detail.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has changed in a way that we all have the same access to most of the same products. The true difference is how those products are delivered. Most companies do not understand the importance of meeting a closing date. At Guaranteed Rate with the digital mortgage and the ultra-attention to detail in the entire process, it helps guarantee not only a good experience but also a great rate.
What part of the home loan process do customers find most difficult and how do you help them through it?
Understanding the process of the paperwork we require. I help them through this by giving them very detailed instructions and also being available by phone and email anytime they need me for any questions.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
The Guaranteed Rate Mobile App. They are able to calculate mortgage payments and also contact their mortgage professional very easily.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Relaying ALL information that you think the loan officer should know. Many times we can help in counseling the right way of working within the guidelines before a mistake is made.
What provides you with the most satisfaction in your job as a Loan Officer?
What provides me the most satisfaction is when I am providing the Mortgage Origination service to highest level possible. This can mean working on a previously denied loan from another lender and restructuring it so the client is able to purchase or working on client that is qualified and providing them the best advice that give them the best terms for their specific scenario.
Tell us something that makes you unique or something wacky, yet interesting about you?
I think that I am driven that I never quit. This is a unique trait. I am always restless to keep pushing the boundaries. I am also very generous to share any information that I discover to help anyone. I like to give to charity and try to provide the best example to my family and friends.

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