Thomas Griffith

Vice President of Mortgage Lending
600 22nd Street Ste 100, Oak Brook, IL 60523
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NMLS: 664633
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We felt very cared for throughout the process. We would definitely recommend and use your services again.

Andrew S. | July 2018

We felt very cared for throughout the process. We would definitely recommend and use your services again.

Andrew S. | July 2018

Everyone was so great through the entire process! Thank you so much. Shout out to Tom Griffith, Stephanie and Christen Caliendo - they really helped to make sure the entire process went smoothly.

Sara H. | June 2018

Tom Griffith was very professional right from the start. He was on top of everything, and was easy to talk to. Tom made it easy to work with Guaranteed Rate, and my wife and I were pleased with the process.

Thomas G. | June 2018

Tom Griffith was great to work with, he answered any questions we had.

Matthew D. | May 2018

Thomas Griffith has gone above and beyond to assist me in acquiring a mortgage in a timely manner. He has exceeded all my expectations.

Norman E. - May | 2018

From beginning to end, I felt like I had an advocate for me in the process. My loan officer, Tom Griffith, was responsive and the process was smooth even when we were in a time crunch. I was very pleased with the process of buying my new condo and would absolutely use Guaranteed Rate again.

Jane E. - April | 2018

Excellent process - very streamlined. Professional on all levels - immediate responses to questions from Tom Griffith, our loan officer.

Lynn C. - Bloomingdale, IL | NOV 2016

Tom and Liz were amazing I am extremely satisfied with their services and would recommend them to anyone I know!

Abigail T. - Chicago, IL | NOV 2016

Everyone was polite and very quick to respond to my questions. As a first time home buyer I was completely ignorant...I got walked through the entire process step by step. I truly felt Guaranteed Rate was there to help.

Alyson M. - Westmont, IL | OCT 2016

Tom Griffith did an outstanding job. He was very patient in explaining the entire process.

Philip D. - Lisle, IL | OCT 2016

This was our first home purchase and all of the personal research i.e internet, books that we read were in no way informative or as helpful than the professional service that we received from Tom Griffith , we will definitely recommend his services to all our family and friends. Thank you - Sabrina

Sabrina A. - Bolingbrook, IL | OCT 2016

Tom is great to work with. No problems :)

Lee C. - Downers Grove, IL | AUG 2016

Before going with Tom and Guaranteed rate, I received other quotes on interest rates and closing costs. Guaranteed rate had the lowest rates and closing costs. I never had a mortgage process that was as seamless as it was with Tom and Guaranteed Rate. From pre-approval to closing the loan the process was not stressful. Tom kept me informed as to where we are in the process and if they needed any other documentation. If there were any issues, the issues were behind the scenes and I didn’t know...

Aaron N. - Valrico, FL | AUG 2016

Thomas Griffith and all of his staff were great. They handled everything quickly and professionally.

Jennifer B. - Glendale, AZ | AUG 2016

Tom and his team were very attentive and answered all of my questions and concerns while giving me a great loan solution, everything was magnificent and I would recommend Tom and Guaranteed Rate in the future.

Ashley S. - Darien, IL | JUNE 2016

My loan officer was the best. Tom Griffith helped me with any of my needs and answered any questions right away. He was the best loan officer I've had!

Nancy S. - Downers Grove, IL | JULY 2016

Everyone involved was great. Thank you!

Brian P. - Westmont, IL | DEC 2016

Everybody was great… Super responsive and always ready to answer any questions I had. They were able to make last-minute adjustments for me that met my family's needs, so that's a positive!

Sara H. - Evanston, IL | JAN 2017

Tom and his team did a great job of making or refinancing pain free.

Mark W. - Wheaton, IL | JAN 2017

It was an easy process!


I think the entire staff at Guaranteed Rate was awesome! I look forward to doing business with them again in the near future!

Adriana A.-LOMBARD,IL | MAY 2016

Thomas Griffith and Guaranteed Rate made the loan application process very streamlined and easy. They let us know when we needed to get documents and signatures in so that we could stay on track with the process. We would definitely consider using Guaranteed Rate for our future loan needs.

Scott W.-Champaign,IL | MAY 2016

Thanks Thomas, Carolyn, Liz, and Theresa for making the loan process easy and non-stressful.

Anastasios K. -Frankfort, IL | APR 2016

I have already recommended Guaranteed Rate to friends. Tom Griffith and his entire team were always available by phone or email, and that goes a long way in making the process smooth for the customer. They did a great job.

Ashley G - Downers Grove, IL | Feb. 2016

I used Tom before when he worked with Wells Fargo. You were smart in hiring him. He is a great asset to your company.

Robert A. – downers grove, IL | July 2015

About Thomas

I am a 21 yr veteran in the mortgage banking industry. Specializing in Jumbo, Conventional FHA and VA home loans.


Thomas interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
21 years, I love helping clients buy and refinance their homes!
Who is your typical customer and what questions do they typically have?
We have all types of clients. The most popular questions is "What paperwork do you need to get a loan these days".
What specific steps do you use to help your customers find the best home loan for them?
First step is running credit to explore program eligibility and lending needs.
How long have you been in the mortgage business? What awards have you won?
In 20 plus years in the industry, I have made leaders club 5 times and won many customer service awards as well.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage is great if you plan on staying in the home for more than 7-8 years. If that is not the case an ARM will work better for your family.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I had a client with no job and we were able to close the loan using asset dissipation, basically we amortize your assets over 15 years to arrive at a monthly income figure.
What advice would you give new or first time home buyers?
Buy now when the rates are so low!
Tell us about a mortgage product that consumers may not be aware of?
We can lend money with % down and no PMI.
How has the mortgage industry changed since you started, and what would you expect in the future?
The biggest change has to be the compliance part of the financial services industry.
What part of the home loan process do customers find most difficult and how do you help them through it?
Clients will sometimes struggle to find previous years tax returns for us.
What are the top 3 misconceptions people have about the home loan process?
They need 20% down to avoid PMI, bad credit means they can't buy a home, 20% down is required to purchase property.
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?
Guaranteed Rate application app.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Zillow value estimator.
What can borrowers do to insure a smooth mortgage underwriting process?
Keep solid financial records on file.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born and raised in Downers Grove, IL and have lived here my whole life.
What provides you with the most satisfaction in your job as a Loan Officer?
Going to a closing and seeing how happy people are once they get the keys to their home!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Staying active, swimming, bike riding and golfing.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a step dad to three beautiful girls who mean the world to me!

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