Jo Ann Theriault-Fazio

Senior VP of Mortgage Lending / Branch Manager
111 S Pfingsten Rd, Ste 124, Deerfield, IL 60015
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NMLS: 112837
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TestimonialsCustomer testimonials Read more

I am very happy with the Guaranteed Rate. They understood my situation and made everything work. But out of everyone Rina Keller was great to work with. She was always there to answer questions. She did a super job! Jo Ann is lucky to have her on the team.

Joseph K. | June 2018

Jo Ann, Allison, and Rina were all very professional and great to work with. The communication was fantastic. Would highly recommend!

Karrie T. | June 2018

Super supportive, knowledgeable, and understanding. Streamlined the entire process.

Sara M. | May 2018

I've used Sam Fazio and his team multiple times and he always makes it a pleasant experience. I always refer you guys, too!

Melanie A. - June | 2018

Jo Ann and her team were fantastic. They were very responsive and worked with me every step of the way to make sure we could close on time, even when barriers came up.

Eric H. | May 2018

Exceeded my expectations.

Mark P. - April | 2018

Everyone at G-Rate did a fantastic job of steering me through the mortgage "maze" and helping me get a rush deal done long distance with the best possible terms to fit my needs. The communication and coordination between them, the realtor, and the title company was fantastic!

Chris G. - Tuscon, AZ | DEC 2017

Thanks again Jo Ann! Your team is educated, fast, and professional! Always enjoy working with you all!

Aubrey W. - Chicago, IL |DEC 2017

I can't say enough about Jo Ann and her team's customer focus. Jo Ann and her team made me their number one priority and got my loan from origination to close in less than a month because they were so focused! Not only did they get it closed quickly but they eliminated the myth that dealing local is better. Jo Ann and her team gave me a much lower rate than the local banks did and saved me thousands of dollars on loan. When they say they can get you a lower rate, that's what they mean. Jo Ann...

Kevin R. - Memphis, TN | SEPT 2017

I've been dealing with this lending team for many years for financing new homes and/or refinancing. The team is responsive, professional, accurate and streamlines the finance process so that it is as smooth as possible. I like how they know who I am since I am a returning customer, keep my records/information together, so that I only have to submit the information that is out-of-date.

Lisette S. - Palatine, IL | Aug. 2017

You guys are awesome! You made a complicated process seem so easy. I appreciate all the help and patience explaining all that was needed, as well as staying professional and keeping my best interest as a priority with the added noise from the sellers. Thank you for making home buying an exciting experience for me. And the added lender credit is GREATLY appreciated as Josh and I remember that now we have to fill the house ;)

Amber M.- Elmhurst, IL | AUG 2017

JoAnn and her team were so easy to get in touch with and made obtaining my first home loan a breeze!! Having a team of contacts really eased any concern I had, and they were SO responsive!

Jaclyn K. - Three Oaks, MI | APR 2017

Everyone I dealt with was really great, JoAnn, K.C, Rina and Alison were wonderful.They answered all my questions no matter what it was. This is the first time I've taken out a mortgage. They were fast and efficient. The appraiser was also great.

Nancy H. - Chicago Heights, IL | APR 2017

Jo Ann and her team far exceeded our expectations again! We have bought a total of 5 homes and have used Guaranteed Rate & Jo Ann for our last two home purchases. We are still amazed how well Jo Ann and her team (KC, Rina, plus numerous others) communicate so well and work so hard to meet and exceed our expectations each and every time. I have also been told both times by our realtor that the lenders fees are super low in comparison to other lenders. We are so grateful we found Jo Ann! We...

- Mary A. 8/26/16

I had a wonderful experience, especially with this being my first mortgage! Jo Ann and her team were fantastic!!

Kathryn G. - 7/27/2016

Great experience, and a great team. Explained which loan products would be best for me, and were very knowledgeable. I will definitely go to Jo Ann for my next loan. We are very happy to have had the chance to work with this team.

Troy M. Funded July 11, 2016

Jo Ann Theriault-Fazio and her team were awesome! Everyone that I dealt with during the loan process was accessible, knowledgeable and determined to provide first-rate service. I am extremely grateful to JoAnn and her team for my experience and I enthusiastically recommend Guaranteed Rate to anyone interested in purchasing a home!

Daniel P. 06/29/2016

Very responsive to questions and got back to us immediately. I appreciate that kind of service.

Matthew B. 06/24/2016

This was actually my second time using Guaranteed Rate. My husband and I were able to obtain our first mortgage through GR and were very happy! When we decided to refinance there was no question about who to go to for the loan. Joann and everyone on her team were a pleasure to deal with and did a great job! Our refinance was very simple to complete because of their efforts. I would use them a third time!

Lisa G.- Homer Glen,IL | MAY 2016

Jo Ann and her team are awesome! From beginning to end, they made us feel extremely comfortable. As first time home buyers, we had a lot of questions and they efficiently and thoroughly explained everything to us. I would recommend their services to any potential home buyer."

A Happy Customer 04/28/2016

"Several of my buyers of real estate have worked with JoAnn. She is an expert in her field, a valuable source of timely information. Also, she is quick to respond and very client-focused."

Gloria W. - March 11, 2014

Jo Ann has helped my me with 3 new home purchases as well as 2 refinancing efforts. She's always been very responsive to any questions I've had, and went above and beyond in a few instances to help my wife and me get where we needed to be to purchase our latest home. She's built a very qualified and diligent team around her to help her customers get their loans approved and ready for closing. In my last home purchase, my attorney commented that he had never worked with a loan team as...

Brian G. - September 11, 2014

"I have known Jo Ann and worked with her in her capacity as a loan officer for a number of years. She is conscientious and thorough and has always come through for her clients. I know that if Jo Ann has a file, it will be processed efficiently and successfully."

Manny L. - September 9, 2014

"Excellent service! I highly recommend Jo Ann."

Thomas F. - September 15, 2014

"Jo Ann helped us refinance our mortgage. I would recommend her to anyone. She was always available to answer all my questions. She gives great advice."

Amy F. - September 10, 2014

"I have worked with Jo Ann for over 10 years. She is very detailed in her files and is always quick to lend a hand for missing conditions or corrections needed. She is a hands on loan officer and treats all her contacts with respect. I have nothing but Kudos for Jo Ann and I am confident she will always give you 100%."

Randi F. - September 26, 2014

"I have worked with Jo Ann and found her to be very professional and effective in finding us a good mortgage product. Subsequently we have used her services on two other occasions and always been highly satisfied."

Jim S. - September 10, 2014

"Jo Ann's team was very helpful and through when I refinanced my home. I had refinanced twice before and this was the smoothest and easiest of them all! I highly recommend Jo Ann and her team - they are the best!"

Pam B. - October 14, 2014

"Jo Ann is a consummate professional! I recommend all my clients to her, even if they are already working with a lender because I know when Jo Ann is helping my clients finance the home of their dreams, she is going to do everything she can to bring about a successful closing."

Tina H. - November 6, 2014

"Jo Ann is simply amazing to work with. She is uber responsive, gives my clients the best rates and gets the deal closed. A+++ for service and professionalism."

Christina C. - November 25, 2014

"She and her team were so communicative via telephone/email that everyone was on same page the entire time. If we refinance, we are going with Jo Ann. Our next property, Jo Ann. If you are looking for a professional, knowledgeable , and I think most importantly competent individual, Jo Ann."

Michelle Q. - December 28, 2014

Astounding. If I were to sum up experience in one word with Jo Ann and her team at Guaranteed Rate it would be...Astounding. The experience for most people when purchasing their first property can be quite nerve-wrecking and daunting. Jo Ann helped to soothe those anxieties and made the process incredibly smooth. We started the process early hoping to purchase by the summer. Alas, the perfect property did not present itself until the fall. 13 days! It took 13 days from approval to clear to...

Aubrey W. - December 22, 2014

"It was my pleasure to have Jo Ann and her team assist me in my home purchase. Extremely thorough, Jo Ann presented me with a number of financing options that suited my situation, giving me multiple options on how to approach my home purchase. She and her team had an amazing quick turn-around time when it came to answering questions, supplying necessary documents, and processing the loan. I would recommend her to anyone looking to finance a property. She’s quick, responsive, detail orientated,...

Monica B. - January 5, 2015

"Jo Ann, is a detailed oriented mortgage lender who is always finding ways to stay ahead of what's next. I find her to be pleasant and knowledgeable to work with."

Jane B. - January 20, 2015

"My wife and I recently worked with Jo Ann for the purchase of our new home and could not be happier. Jo Ann is a consummate professional and made the entire home loan process smooth and easy to navigate. Her team at Guaranteed Rate is outstanding and we would absolutely recommend her to anyone looking to refinance or purchase a home."

Chris M. - June 15, 2015

"Jo Ann and her team at Guaranteed Rate have consistently given me the attention and sound advice that have made my home buying experience so much more enjoyable. I have worked with Jo Ann multiple times and I have always had a great experience and I highly recommend her and her team."

Shari H. - August 7, 2015

Jo Ann and her Team Rina and KC did a wonderful job from start to finish making my dreams a reality!! I would recommend Jo Ann and her team to my friends and Family!!

Daniel H. – Evanston, IL | AUG 2015

Jo Ann Theriault and her team were very organized and communicated frequently with me throughout the process of applying for and obtaining a mortgage. They made the process very easy to understand and were very prompt in answering my questions. They partnered well with the rest of my real estate professionals to make my home purchase run smoothly. I would highly recommend Jo Ann and her team to anyone seeking a hassle free mortgage process.

Holly M.– Evanston, IL | July 2015

All went very smooth and everyone was very helpful at all times during the process. I had a great experience.

Steven C. -- 11/17/2014

Jo Ann Theriault-Fazio has a fantastic team and was very personable and always available when I had questions.

Leslie V. -- Chicago, IL. 10/7/2014

Jo Ann was awesome! She was extremely helpful and professional with everything. I had a wonderful experience working with Jo Ann!

Kristin R. -- Chicago, IL 4/24/2014

"Anybody trying to buy a house these days is going to need help and these guys were great! Everybody was great, I mostly worked with other members of the team, but Jo Ann was wonderful. It's an absolutely, mind-boggling process but all things considered I think you did a great job."

Howard W. -- Nanuet, NY. -- 11/2013

“I was pleased that the representatives from Guaranteed Rate stayed in-touch throughout the whole process. They made sure that all of the paperwork was completed correctly and that we were all ready. Excellent customer service. First time dealing with a closing at home. It made the process much easier and less intimidating.”

Howard N. --Buffalo Grove, IL -- 5/ 2013

“Jo Ann and her team were very knowledgeable, friendly and straight to the point. It was a very smooth process and everyone had outstanding drive to get things done even for a smaller loan. Knowing we had some issues with the seller and some documents not being signed on their end, Guaranteed Rate kept on top of it and with the assistance of my attorney everything ended very well! My Thanks to everyone who helped us feel like a regular customer of Guaranteed Rate!"

Nicholas K. --Chicago, IL -- 5/2013

Jo Ann and her team have been a pleasure to work with over the last 10+ years. Jo Ann has always had the ability to be creative or find options to fit my personal needs. While being very creative in the financing when things were going well and when I needed some additional help during the rough real estate times. I always liked the attention and the ability to reach out to her to ask the questions that I could not find the answer myself. She has a unique way to simplify the complicated putting...

Jeff D. - December 27, 2011

My Go To Mortgage team for over 15 years

John K. - December 16, 2011

When I needed The Lake Team to find a good mortgage rate, they were there for me.

Elizabeth S. - December 16, 2011

I have known JoAnn for over ten years and she is a true Professional Business Manager, accomplished in detail, and very timely in completion of what ever she does!

John A. - September 19, 2011

Jo Ann and her team were a pleasure to work with through the entire lending process. Thank you for the professionalism and follow through.

Adam C. - May 31, 2011

Jo Ann and her team were a pleasure to work with through the entire lending process. Thank you for the professionalism and follow through.

Adam C. - May 31, 2011

Jo Ann is a mortgage professional that I have worked with for years. She works professionally with my buyers to help them with their mortgage needs and has helped my family with our personal mortgages in the past. A dedicated professional, Jo Ann can get the job done and I would not hesitate to recommend her to anyone.

Kathy P. - May 14, 2011

Jo Ann is a friend and business partner. Recommending her is easy because she is punctual, trustworthy, consistent and creates a valuable product in a stressful market. She is one of the hardest working women I know. Watching JoAnn's business grow is an honor, because I know she is growing due to happy clients that are referring her again and again. This is a true testament of a good person and trustworthy business consultant. In a market that can bring anxiety and stress to an individual, she...

Kate C. - October 10, 2012

Jo Ann is quite simply the best at what she does. In an industry that can be difficult to navigate and lacks transparency, she was always honest, prompt, and professional. For my first purchase, she was able to make all information easily digestible and went smoother than I ever thought possible. I'm not a big referral person unless someone is exceptional - and I have already happily referred a few people to Jo Ann - shes that good. It goes without saying, she found a client for life in me!

Ryan W. - Chicago, IL

Hey check out the glowing review from Ryan about Jo Ann! “Jo Ann is quite simply the best at what she does! In an industry that can be difficult to navigate and lacks transparency, she was always honest, prompt, and professional. For my first purchase, she was able to make all information easily digestible and went smoother than I ever thought possible. I am not a big referral person unless someone is exceptional and I have already happily referred Jo Ann!It goes without saying, she found a...

Ryan W. -- Chicago, IL -- 03/21/2013

Hey check out the amazing review from Michael about Joann! “Guaranteed Rate is simply the very best! Our experience was as easy as it could get it really was great. We could not ask for anything more,thank you very much Joann!

Michael C. -- Schaumburg, IL -- 02/2013

"I have worked with Jo Ann for 12+ years and she is always professional and detail oriented. She has the ability to find the right program for specific needs. Any questions I need answered in the mortgage field she is the first person I call."

Martin V. -3/2013

"I have known Jo Ann for more than five years. She is a trusted and loyal professional with whom I thoroughly enjoy working. I have referred friends & family to Jo Ann and know that they are in excellent hands. Jo Ann not only has a friendly demeanor, but is incredibly knowledgeable in her field of expertise. I have had the pleasure of working with Jo Ann on multiple fundraisers and she is just as giving as she is caring."

Laurie G. -3/2013

"Jo Ann and the Guaranteed Rate team have done outstanding work for me over the past several years. We have gotten first mortgages and refinanced with Jo Ann and Guaranteed Rate on several occasions, and have always gotten prompt, reliable service at great rates. I trust Jo Ann and Guaranteed Rate and would recommend them to anyone who is looking for a first mortgage or to refinance."

Adam B.- 3/2013

"I've worked with Jo Ann for my last three ReFi's and she's top notch. I will certainly go to her for all future ReFi needs!"

John R. -3/2013

"I have known Jo Ann for a long time. She has been a client of mine for 5 years and when I decided to refinance my house I knew exactly who to call! She is very personable, smart and dependable. I would recommend her to anyone I know and would definitely use her services again... :)"

Gina S. -3/2013

"Jo Ann is the true professional and expert in her area. She will get the job done for you on time, on budget and 100% accurate. She is committed to her clients."

Barry B.- 3/2013


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Jo Ann 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, but I grew up around it my entire life. My father, Cliff Theriault, is a 40+ year veteran of the industry. During college I worked summers for him. And, upon my graduation from the University of Missouri - Columbia; I began working as a processor and underwriter full time.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has changed dramatically since I started. Full documentation is required on pretty much every loan transaction. There are no short cuts. The great thing about our industry is that we are able to help so many people. From first-time home buyers to homeowners that are upside down on the mortgage; there are still products available that can really benefit people.
What can borrowers do to insure a smooth mortgage underwriting process?
As a former underwriter; I am able to give my clients a comprehensive list of the items needed for loan approval. The biggest hold up in the process tends to be when borrowers piece mail their \"homework\" items or do not send them in to the office in a timely fashion. If all of the items on my checklist were provided upfront that would help streamline the loan process.
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?
I am actively involved in several Chambers of Commerce, networking groups, and charities. The charity that gives me the greatest satisfaction to work with; however, is The American Cancer Society. We do several fundraisers with them a year. And, every fall my Guaranteed Rate Team and I participate in Strides and host a fundraiser with our referral partners and clients. There is nothing more satisfying than getting your local community involved in something that you are passionate about.

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