Wendy Kozak

Mortgage Specialist
1806 W Cuyler Ave, Suites 1W, 2E, and 2W, Chicago, IL 60613
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NMLS: 1639032
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Wendy Kozak and her team did a great job and I would recommend Guaranteed Rate again!

Kurtis F. | June 2018

Wendy Kozack was easy breezy to work with. She is a keeper.

Julio S. | May 2018

Wendy Kozak and team were knowledgeable and great to work with on my refi. Closed the loan on time and there were no surprises. I will definitely use Guaranteed Rate again.

Rafael G. | February 2018

This was the Best mortgage experience we've ever had. Wendy was wonderful. She deserves a round of applause for the exceptional customer she provided us. When I refer to Guaranteed Rate, I'm referring directly to Wendy. I work with customers every day and want the peace of mind that when I refer my customer they are in good hands. Referring customers to Wendy will give me that peace of mind. Thanks for helping us financially and have a great day! Bill and Cindy Sifuentes

Bill S. | 10/30/2017

Wendy Kozak was amazing! She was very personable and very accessible. Without her guidance I probably would have backed out, I hate paperwork. I have been recommending you to my co-workers. Thanks again to Wendy and your team!

Donna H. | October 2017


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Wendy interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I treat my borrowers with professionalism and respect. The better I understand a borrower’s goals and what they are looking to accomplish with their home loan, the better I am equipped to tailor a loan to their specific needs. Customer service first is my goal.
What advice would you give new or first time home buyers?
First time home buyers are my favorite! The best advice I have for a first-time home buyer is to obtain a pre-approval prior to shopping for a home. The pre-approval is the first step in the home buying process and one of the most important steps when purchasing a home. A pre-approval is the roadmap that provides a borrower the tools to allow them to shop for homes efficiently and effectively, and most importantly, within their budget. Buying your first home is a big and sometimes confusing process and knowing what you can afford helps bring things into focus. Remember, applying for and receiving a mortgage is probably the largest financial transaction most people will ever conduct.
What can borrowers do to insure a smooth mortgage underwriting process?
As a Mortgage Specialist, it is my job to be sure that I set proper expectations for my borrowers throughout the entire process. I encourage all my borrowers to ask questions and make sure they understand all of the forms that are needed for the loan process. For the underwriting and loan approval process to go smoothly, I personally walk my borrowers through all their specific documents that are needed to ensure them that the process will be as seamless as possible. Ultimately, time is of the essence for a successful transaction.
What provides you with the most satisfaction in your job as a Loan Officer?
Working as a Mortgage Specialist means being a trusted advisor to my borrowers. I strive to help my borrowers achieve all of their goals during the loan process. Helping my borrowers become a homeowner and participate in the American Dream is a rewarding experience. My borrowers know that they can always count on an honest and transparent answer from me about any of their concerns during their purchase or refinance transaction. At times borrowers can feel overwhelmed in the process and I find it most rewarding to be able to ease their fears and make their experience as painless as possible.
Tell us something that makes you unique or something wacky, yet interesting about you?
I’m a big animal person with two dogs and two cats. It gets a little crazy in our house with all the animals but I couldn’t get through the day without them. I see myself surfing in my retirement and still working to help borrowers with their home loan needs.

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