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Sonia Georgeff

Vice President of Mortgage Lending
2115 North Winds, Dyer, IN 46311
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NMLS: 148341
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TestimonialsCustomer testimonials Read more

We used Sonia when we purchased our first home and she was there for us every step of the way. After 5 years of living in our first home we met back with her to buy our second home and she was even more helpful and was in constant contact with us. Sonia was the best and we will not only recommend her to others we will also tell them how helpful she really is.

Aaron R.-Valparaiso,IN | MAY 2016

Sonia made it easy to get a loan.

Keith B.-Cedar Lake,IN | MAY 2016

About Sonia

I entered the mortgage industry after I bought my first house. It was an incredibly stressful experience and I was thoroughly overwhelmed. I thought "This is the biggest investment I am making" and I knew nothing about any of it. In 1986, I got my real estate license and because I was also working in a bank, I asked to be transferred to the lending division. This was one of my best decisions ever. I got first hand experience on how to process a mortgage loan. I understand the "Whys" behind everything that is asked for during a mortgage transaction and explain this to my clients so they are not overwhelmed, like I was. I am licensed in Illinois and Indiana and specialize in government as well as conforming and non conforming loans. I explore all options available to consumers based on their qualifications but customize their mortgage to their own personal needs. My degree is in business management, which allows me to delegate when needed but also keep the entire process on track and close on time. I grew up in Illinois but now live in Indiana. I have lived in the city, the suburbs and the country. Each one has its own benefits. I share this because there are things to consider when purchasing in each area that my clients might never have thought of. In my down time, I enjoy entertaining, hanging out with my husband and twin sons, traveling, reading, antiquing and trying new things. I am blessed to be working at Guaranteed Rate. It's a great company that allows for personal time but at the end of the day, knows and does whatever it takes to "get it done" for the consumer.

Sonia interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
When I work with a client, I listen to their concerns. Some are worried about the down payment, others worry about the rate, and still others worry about the monthly payment. I customize a program based on their concerns so they feel confident and informed that they are making the best decision for them.
How has the mortgage industry changed since you started, and what would you expect in the future?
I started in the mortgage industry in 1986. You needed a job, money, and decent credit. We used to verify 7 years or residency and work but now only verify the last 2 years. Down payments are still relatively the same in that you need money. If you are a Veteran or purchasing with USDA, money for a down payment is not required. We ran credit and had to analyze it. Now, we have credit scores. If they are not a certain number for a certain program, you will not be able to finance the new home. I believe there will be more changes in the industry with documentation guidelines and loan limits, but still feel you will always need a job, money and decent credit.
What part of the home loan process do customers find most difficult and how do you help them through it?
I believe first time buyers are most reluctant to pick up the phone to get started. They don't know what they don't know and are frightened that they may not qualify. I take the fear out of it for them and answer all their questions. I even answer questions they did not ask but need to know.
What provides you with the most satisfaction in your job as a Loan Officer?
I remember driving away from a closing and looking in my rear view mirror. I saw the couple kissing and thought, I helped them achieve this dream. That's why I still do what I do. I help people realize their dream of owning their own home.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a great sense of humor and love serving people.

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