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Sam Fazio

Vice President of Mortgage Lending
111 S Pfingsten Rd, Ste 124, Deerfield, IL 60015
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NMLS: 223773
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TestimonialsCustomer testimonials Read more

I'm very satisfied with your excellent service. Sam Fazio did a wonderful job, he is very knowledgeable, patient and understanding. He was able to answer all my questions and clarified all my concerns. He answered all my phone calls right away. I'm very grateful to him. I also have to mention that he has an awesome team. Everyone involved was behind me during all the process of getting my loan. I certainly will recommend Guaranteed Rate to my family, friends and colleagues. Thank you very much...

Maria P.

Process was simple and easy. All required documentation was quickly accepted.

Jimmy V.-Chicago,IL | MAY 2016

Sam was extremely helpful!

Mark A.– Roselle, IL | July 2015

Sam and his team helped us a lot. We have a wonderful experience working with the team.

Narsimharao P. - 10/28/2014

Sam Fazio is fantastic and we would highly recommend him to anyone else. We have worked with him twice now and both times the process was as smooth as it could go.

John Z. -- Greyslake,IL 5/21/2014

Great mortgage service!

Gina P. - December 10, 2011

I dealt with Sam Fazio and team for two closings in one year (purchase and a refi) and couldn't have been happier.

Christopher M. - December 12, 2011

Sam interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
One of the first questions I ask my clients is what their comfort level a monthly payment is. I want to make sure they are happy with their payments and looking for a home that fits their financial situation.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed rates and payments remain constant. There won\'t be any surprises even if inflation surges out of control and mortgage rates head to 20 percent. Stability makes budgeting easier. People can manage their money with more certainty because their housing outlays don\'t change. Simple to understand, so they\'re good for first-time buyers who wouldn\'t know a 7/1 ARM with 2/6 caps if it hit them over the head. To take advantage of falling rates, fixed-rate mortgage holders have to refinance. That means a few thousand dollars in closing costs, another trip to the title company\'s office and several hours spent digging up tax forms, bank statements, etc. Can be too expensive for some borrowers, especially in high-rate environments, because there is no early-on payment and rate break. Are virtually identical from lender to lender. While lenders keep many ARMs on their books, most financial institutions sell their fixed-rate mortgages into the secondary market. As a result, ARMs can be customized for individual borrowers, while most fixed-rate mortgages can\'t. All of these things should factor into your decision between a fixed-rate mortgage and an adjustable. But there are other important questions to answer when deciding which loan is better for you:Fixed rates and payments remain constant. There won\'t be any surprises even if inflation surges out of control and mortgage rates head to 20 percent. Stability makes budgeting easier. People can manage their money with more certainty because their housing outlays don\'t change. Simple to understand, so they\'re good for first-time buyers who wouldn\'t know a 7/1 ARM with 2/6 caps if it hit them over the head. To take advantage of falling rates, fixed-rate mortgage holders have to refinance. That means a few thousand dollars in closing costs, another trip to the title company\'s office and several hours spent digging up tax forms, bank statements, etc. Can be too expensive for some borrowers, especially in high-rate environments, because there is no early-on payment and rate break. Are virtually identical from lender to lender. While lenders keep many ARMs on their books, most financial institutions sell their fixed-rate mortgages into the secondary market. As a result, ARMs can be customized for individual borrowers, while most fixed-rate mortgages can\'t. All of these things should factor into your decision between a fixed-rate mortgage and an adjustable. But there are other important questions to answer when deciding which loan is better for you.
What can borrowers do to insure a smooth mortgage underwriting process?
The best way to insure a smooth underwriting process is to be upfront and honest with your loan officer about any potential changes to your employment or financial situation. In the current environment every aspect of your job, credit and asset history is looked over. Providing all the potential changes upfront will help make the process smooth.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy playing Ice Hockey and Cycling when not working on home loans. Both are a great way to meet new people and to clear your mind and help you refocus.
Tell us something that makes you unique or something wacky, yet interesting about you?
When I was 21, I won a Hot Pepper eating contest.

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