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Stephen Delagrange

Loan Officer
1800 W Cuyler Ave, 2W, Chicago, IL 60613
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NMLS: 216439
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TestimonialsCustomer testimonials Read more

Stephen produced great results for me and my wife with both an initial somewhat-out-of-the-ordinary purchase of a multi-family home and we also went back to him for a great refinancing two years later. Would definitely recommend!

Benjamin O. | AUG 2016

Stephen is exactly what you need in the lending process. When I was shopping around, I talked to several lenders and Stephen stood out as someone who was knowledgeable, working with my best interests in mind, responsive, and patient with my million questions. I trusted him. And that financing went so well, we are now doing out second transaction with him.

Patti G. | AUG 2016

As part of my company's extended "soft" benefit's came into contact and worked with Stephen on a refi (twice) - great experience, very easy to work with, very responsive. I highly recommend him.

Bill S. | AUG 2016

Stephen has helped me a couple of times in the past, most recently with a refinance on my current home. After doing the initial closing he reached out months later to notify me of better rates. He was amazing to work with, very thorough, informative and incredibly personable.

Eric D. | SEP 2016

Stephen helped me with my mortgage and then also with refinancing. He has shown great due diligence and did a great job throughout. He is very customer oriented and always quick in responding to questions. I recommend him for anyone looking excellent service for mortgage or refinancing their house.

Sami T. | SEP 2016

Stephen is very responsive and helpful throughout the refinancing process. Very pleased with the level of service provided by him and his team.

Michael R. | SEP 2016

As a first-time home buyer, I was very nervous and honestly had no idea how the process went, or what to expect. Everyone was very nice, and answered all the silly questions I had, and made me feel very secure in my decision, not only to purchase a home, but to finance it through Guaranteed Rate. When I had trouble finding a qualified realtor, Stephen even recommended a realtor who found me the perfect home. I'm very happy that I chose Guaranteed Rate, and I would definitely work with them...

Sara S.- Chicago,IL | MAY 2016

Working with Stephen, Kim, and Jenny was an extremely smooth process. When questions needed to be answered, they were all patient and very accommodating. If of course helps that I know the business a bit but couldn’t have done it without their team. My wife and I truly appreciate all the assistance.

Jacqueline M. -Wheat Ridge, CO | APR 2016

I probably had 3 million questions throughout this process. At times i asked the same questions over and over and over ...just to be sure. And Stephen always responded quickly and thoroughly and knowledgeably. He literally held out hands from beginning to end and though there were lots of other lenders trying to earn my business, I couldn't imagine working with anyone else.

Patricia G - Chicago, IL | Feb. 2016

Stephen Delagrange answered all questions and interest rate was the most competitive!

Swati R. – Bellevue, WA | SEP 2015

Stephen Delagrange was on top of every step of this process. He made sure I was informed throughout. I would highly recommend him.

Diane J. – Canoga Park, CA | AUG 2015

Stephen Delagrange was very helpful to us throughout the process. He was always available and very prompt in returning calls and explaining everything.

Krishnan G. – Austin, TX | AUG 2015

" Steve and his staff were easy to work with. Very professional "

Dale W. – Hermiston ,OR | June 2015

Stephen and his team were awesome to work with. Stephen was very helpful in guiding me and answering my questions through out the loan process. He was easily accessible and promptly returned my phone calls.

Alrick G. – Chantilly, VA | May. 2015

This was the 4th time I have used Guaranteed Rate and I always recommend the company to friends and family. We have worked with Steve Delagrange several times now and he is excellent. The process is quick and easy and they come to your home. Again, working with Steve was great. He answered all of our questions and responded quickly with full explanations.

Todd M. -- 11/19/2014

Steve kept me in the loop at all times sparing me additional stress. Steve is outstanding. This is my second time using Guaranteed Rate, and I chose to because of Steve. I knew I could expect the highest level of professionalism, intelligence, and integrity. He anticipated possible questions or issues and addressed them in advance. Always calm, thoughtful and patient. I was sorry I even bothered with the bank. I thought I should consider my bank since my mortgage was with them. Guaranteed rate...

Josephine P.

This is my third loan with Steve and I couldn't be happier! Having a trusted and knowledgeable loan officer like Steve makes my decision to return to GR for my loan needs an easy one!

Daniel W. -- Chicago, IL 8/26/2014

Stephen was excellent! He was very professional and knowledgeable! I was very pleased with the experience I had with Guaranteed Rate.

Christoper B., Chicago IL

“I worked with Steve Delagrange's team and they were excellent from the top to bottom. I had a trickier than usual loan and it went incredibly smooth. I would highly recommend Guaranteed Rate, Steve and his team!”

Chris B. – Columbus, OH – 4/2014

"Stephen DelaGrange excellent listener, thoughtful, highly intelligent, and timely in responding to my questions. If I operated a business I would hire him. It was an excellent experience, a knowledgeable loan officer and a super coordinated team made my dream come true. "

Josephine P.-- Skokie, IL. -- 6/ 2013

Stephen guided us through the mortgage refinancing process in a very professional, thorough, communicative manner. He kept us informed regarding what to expect at every stage of the process. I only wish our initial mortgage experience (elsewhere) had gone as smoothly!

Eve Greenfield, Chicago, IL

Stephen was a pleasure to work with, answered each of my questions in a timely manner, and provided the flexibility necessary to make the process as convenient as possible.

Bill Dockrey, Mansfield, TX

Steve made the long and tedious process of financing my mortgage quick and painless. He guided me through each step and answered all the questions I had very well. I am recommending all my family, friends, and colleagues that own a home to refinance through Steve.

Chris Gunderson, Lombard, IL

Stephen was our mortgage banker who helped us get a re-finance. We had applied through lending Tree and got a variety of results. Stephen was by far the most knowledgeable and creative in understanding our needs and helping us through the process. His work is excellent and he was always available for questions and information. We are very happy with his work and if we ever need a mortgage again - we would definitely work with him again.

Sanjay Sardar, Fairfax, VA

Stephen is one of the best loan officers around. I have never had any issues on his closings. Always a smooth, efficient process. I definitely recommend his services.

Brittany Washington, Plano, TX

I was amazed at how efficient and stress-free refinancing was through Steve at Guaranteed Rate. He is an expert in the industry, kept me organized, managed expectations and got me an incredible rate. I really couldn't have asked for more and I highly recommend his work.

Rob Joyce, Shorewood, WI

Steve was my agent during a mortgage refinance in May-June 2012. He was extremely responsive to my requests and proactive in keeping me informed. Having dealt with several mortgage lenders in the past, Steve is head-and-shoulders above the rest for customer service, trustworthiness and knowledge of his craft. Two thumbs up for this consummate professional. I highly recommend Guaranteed Rate and Steve Delagrange for your mortgage needs.

Bryan Chapman, Honolulu, HI

In today's fast paced real estate market it is very important that I work with people who can close deals in a timely fashion. There are so many details when buying a home, all of them are important. Steve's expertise in assiting my clients has been instrumental in the success of my business. Many of my clients are 1st time home buyers who require patience throughout the process Steve was there ever step of the way! His professionalism and attention to detail has allowed all of my clients to...

Mary Carpenter, Walnut Creek, CA

I worked with Steve in refinancing my condo, and he was extremely professional, timely and knowledgeable about every step of the process and even followed up after the transaction was completed. I would recommend him to any friend or family

Steve Meinig, Chicago, IL

Stephen is the perfect combination of smart, responsive, and dedicated. He far surpassed my expectations and made a big difference in my life through his commitment to helping me refinance despite a particularly difficult scenario. Thank you Stephen!!!

Marshall Wolfe, Chicago, IL

I would highly recommend Stephen for anyone looking to obtain or refinance a mortgage. We used Stephen to refinance our home loan a year or so ago and were very pleased with the great service we received. I have also recommended him to other friends as well.

Chris George, Murphy, TX

Stephen was terrific in assisting me with buying my new home. He was helpful, extremely knowledeable and most importantly to me steady. When I began to panic that the process was taking too long, he assured me not to worry, he had me covered. He was patient and answered all of our questions with no hint of annoyance. I highly recommend Steve for his great professionalism and customer service.

Starla Ingersol, Chicago, IL

Truth be told Stephen is a top notch service provider in the mortgage world. My husband and I had an excellent expierence with him re-financing our mortgage and have recommended him to several friends. He is trustworthy, a hard worker, and delivers great results. He will provide his customers with all of the information necessary, go over it in detail, answer every question that you have, and walk you through the entire process. I feel blessed that a friend recommended my husband and I to...

Jennifer Brumley, Flower Mound, TX

Stephen was completely on top of my refinancing. I wish that I had worked with him on my original financing. He was incredibly knowledgeable, personable, efficient, and made the process very easy for me. I have since recommended him to several friends and have only heard good things about him from those friends as well. I would highly recommend Stephen.

Jeff Gibbons, Chicago, IL

Stephen was our mortgage consultant when we decided to refinance our home. Stephen provided excellent customer sevice, was very knowledgeable and responded quickly to all of our inquiries. We were very impressed with his professionalism and would highly recommend him to anyone needing to do a refinance.

Yinching Lin-Chen, Oak Hill, VA

Stephen was very helpful and made refinancing our home loan very painless and quick.

Sarah Tower, Austin, TX

Steve was tremendously focused on providing us with the best options and very successful in meeting our needs and expectations. I strongly recommend Steve as a trusted advisor.

Jose-Luis Bretones Lopez, Evanston, IL

Stephen made the task of refinancing a mortgage effortless. He pays attention to all the details. When you have a question he gets back to you promptly, not a day or two later. It was simply an easy and pleasant experice. I highly recommend Stephen for any of your mortgage needs

Russ Motyka, Palatine, IL

Stephen did a great job offering the most competitive rate for my home refinance. He guided me swiftly through the refinance process and he provided detailed steps to close. I felt comfortable that my refinance was in good hands and it would finish on time without any hiccups

Kevin Brown, Elburn, IL

Stephen provided outstanding service in re-financing my mortgage. From finding the best rate... to efficient processing of documents... all the way to closing, Stephen was efficient, professional and very knowledgable.

Shawn Steffy, Washington DC

I highly recommend Stephen. He is a true professional and was a pleasure to work with. Attention to both the big picture and the details was impressive. I fully intend to work with Stephen again for my financing needs

Carl Cullotta, Scotsdale, AZ

Everything from start to finish more than exceeded our expectations. I deal with professionals every day, but he has to be the most professional person that I have ever encountered. I am very pleased with his service – you should be too.

Pamela Gizzo, Wadsworth, Ohio

I was very satisfied with Stephen. He answered all my questions and was very patient with me. He made me feel secure.

Karla Bailey, Corpus Christi, TX

The whole process went very well. Stephen Delagrange was a true professional. Was kept informed & no surprises.

Cecilio Molina, Houston, TX

About Stephen

I have been a mortgage loan originator for 7+ years all with Guaranteed Rate. Looking at mortgage options is very overwhelming for most people. I enjoy working with borrowers and going through their options for financing a new home purchase or refinancing an existing home to find the best fit for their particular situation. In 2015, I became a member of Guaranteed Rate's President's Club and was named to Mortgage Executive Magazine's Top 1% of Mortgage Originators for 2015.

I went to college at Vanderbilt University in Nashville, TN where I majored in Economics and played on the men's soccer team. I have been living in Chicago's Old Town neighborhood since 2004. In 2009, I received my MBA in Finance from the University of Chicago Booth School of Business.

My wife, Susan, and I have been married since 2015. In my spare time, I like to run and play guitar. I run a marathon every spring and every fall. I participate in a guitar ensemble at Chicago's Old Town School of Folk Music one night a week. I also love to watch the Chicago Blackhawks.

Stephen interview Q&A

Who is your typical customer and what questions do they typically have?
My customers vary. I work with a lot of first time home buyers as well as borrowers that are purchasing their third or fourth home. Every borrower is different and there are many different questions that need answers. Some of the more common questions: -What is the minimum down payment? -What is the maximum I'm pre-approved for? -What are the closing costs? -What is the interest rate?
What specific steps do you use to help your customers find the best home loan for them?
My customers range from first-time home buyers to seasoned real estate investors. I analyze their credit scores, liabilities, income, and assets. The first major concern is that they can handle the monthly payment so I always analyze the debt-to-income ratio to make sure it not only fulfills underwriting guidelines, but also provides a benefit to the customer. Next, I match the borrower's credit profile with a specific program like FHA, Conventional, Jumbo, VA, 203K, or first time home buyer.
What advice would you give new or first time home buyers?
I would concentrate on what you want your monthly payment to be and don't forget about property taxes, homeowner's insurance, and any homeowner's association fees. This is a great time to purchase a property if you currently rent, because in many cases your monthly payment would be the same or less if you were to purchase a property. Additionally, don't put down more than you are comfortable with. Customers often put down every last dollar just to get 20% down and avoid PMI, but then they don't have any reserve savings in case of emergency. No one likes the idea of paying PMI, but you don't want to stretch your savings too thin just avoid paying PMI.
Tell us about a mortgage product that consumers may not be aware of?
Many borrowers think that you need a 20% down payment to get a house...not the case. With an FHA loan, you only need 3.5% down and a minimum of 640 credit score. Also, a conventional loan can also be done with only 3% down and PMI.
What can borrowers do to insure a smooth mortgage underwriting process?
Provide the requested documentation in a timely manner. There is no question the documentation requirements are excessive for mortgages these days. However, failing to provide the documentation or questioning the need for it only slows down the process. Guaranteed Rate utilizes a Digital Mortgage process where customers can upload their documents as PDF's right to their loan account. It doesn't cut down on the documentation, but it makes it a lot easier for customers to access their loan account and provide the necessary documents conveniently and quickly.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I love to run. I'm in a marathon training group every Saturday morning. I run a marathon every spring and every fall. I also spend a lot of time playing guitar and play with a guitar ensemble one night a week at Chicago's Old Town School of Folk Music. I also like watching Chicago Blackhawk's hockey.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have never owned a car. Here in Chicago, you can walk or ride the EL anywhere!

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