I have been in the mortgage industry for two decades and have been through every market imaginable. My education was in Finance and Accounting. Prior to joining Guaranteed Rate, I worked at another lender both as a President's Club Loan Officer and a Senior Director of Banking running a top team. The proudest moments of my career have always been winning awards for client service. While production awards and consistently being a top 1% originator is great, the customer service awards tell me that what I do for my clients truly makes a difference in their lives which is the most significant reason for me being in this business. That is precisely why I joined the Guaranteed Rate family in early 2018. We share the same values when it comes to putting the client first. Unfortunately, this can be a rare quality in this business. I like to get to know my clients to understand their goals and needs. Then I educate them on how all lenders qualify and price a mortgage and also review the pitfalls or red flags to look out for when shopping for a home loan. Finally, I either customize a loan program that meets or exceeds those needs or advise they are already in a good place with their mortgage. Unlike most loan officers, my goal isn't to "sell a loan" after an initial conversation. My goal is to become a trusted advisor for my clients whether that means moving forward with a loan or scheduling a mortgage review down the road if they are in a good place. Either way, I want to be the person they respect and trust with all of their home financing needs. This leads to referrals as well as repeat business which is what my business is built on. If you're looking for a caring, knowledgeable, experienced mortgage professional with 24/7 availability to advise you on your home financing, I'm your guy!

SVP of Mortgage Lending

Brad Rogers is your Chicago local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Brad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brad at (248) 434-6638 for more information!

Brad Rogers at Guaranteed Rate Affinity (NMLS #27552)

For going on the better half of two decades, Billy Schaffer has been leading teams, and customers to always making the right decisions based on their scenario’s. The certainty and passion he provides to his borrowers is nearly unmatched in the lending industry. Being solution-focused and leading with integrity behind always doing the right thing for his borrowers is #1.  Billy works with all customers that are involved in the residential home buying or refinancing process. He takes the time to build a great business relationship and understand his customers' home buying or refinancing needs by asking all important questions for both long term and short term goals. From there, Billy develops a tailor-made mortgage solution with a perfect loan product for every customer.  Billy’s background of athletics, teamwork, and family are what drives him to work as a team to provide the easiest, most simplistic mortgage experience possible. He always goes above and beyond to empower his clients to confidently make the right decision with all of the information.

SVP, Consumer Direct

Billy Schaffer is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Billy is committed to helping homeowners with home purchase loans and refinances. Contact Billy at (810) 422-8338 for more information!

Billy Schaffer at Guaranteed Rate Affinity (NMLS #21276)

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It is my passion to be able to assist my clients with what is often times the largest financial transaction of their life. Whether you are a first time homebuyer, or someone who has owned many homes in the past, you deserve to have a team that is in your corner and has your back. Guaranteed Rate has incredible product options and technology in place to allow me and my team to give you a phenomenal loan experience and my processing team is second to none!  
When I am not assisting my clients with their mortgage needs, I spend much of my time with my wife and daughter. Being a dad is the greatest thing in the world! I also have a goldendoodle and an aussiedoodle, so many days involve a walk or two around the block! If I find myself with any extra free time, you will find me on the golf course or spending time on the lake with my family.  
At the end of the day – your mortgage is about putting you in the best possible situation based on your goals and overall financial picture. I love getting to help solve each unique situation as we develop your mortgage plan!

Sr. Loan Officer

Kyler Mowry is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kyler is committed to helping homeowners with home purchase loans and refinances. Contact Kyler at (773) 969-5600 for more information!

Kyler Mowry at Guaranteed Rate Affinity (NMLS #1641072)

Upon graduating from DePaul University with a bachelor’s in finance in June of 2012, I started a career in the mortgage lending industry when I found an opportunity to be a part of a mortgage underwriter training program. After 4 years of underwriting, I was ready for a new challenge and in 2016 I moved into a new role in renovation lending. In this department I was exposed to the complete other side of the industry; as an underwriter I never had direct contact with borrower’s so I didn’t have a face to put to a file. Every file was just another file to approve. Once you have that conversation with a borrower and hear their excitement about getting into the home of their dreams, that’s where the motivation comes from and that’s when I knew I wanted to become a loan officer. I gained experience in this department working with Renovation loans (HomeStyle, 203k and VA renovation), FHA, conventional, down payment assistance programs, first time homebuyer programs, jumbo products, etc.

Production & Development Specialist

Tim Smith is your Chicago local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Tim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tim at (773) 290-0409 for more information!

Tim Smith at Guaranteed Rate Affinity (NMLS #1525200)

As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, I am committed to helping homeowners with home purchase loans and refinances. Contact me for more information!

Associate VP of Mortgage Lending

Gloria Martinez is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Gloria is committed to helping homeowners with home purchase loans and refinances. Contact Gloria at (718) 637-6405 for more information!

Gloria Martinez at Guaranteed Rate Affinity (NMLS #975756)

Tiffany Doyle's success in the mortgage industry is a testament to her client-centric approach and unwavering commitment to providing exceptional service. Over her 25+ years of experience, she has built a thriving business based on client satisfaction and referrals, showcasing her ability to navigate the ever-changing landscape of the mortgage industry. As a dedicated mortgage loan officer with a passion for helping heroes achieve their homeownership dreams, Tiffany brings a wealth of experience and expertise to the table. Currently working with Homes for Heroes, Tiffany is committed to providing exceptional service to those who have served our communities.

Tiffany's key to success lies in her understanding that client happiness is paramount. By actively listening to her clients' concerns, she ensures that she addresses their unique borrowing scenarios effectively. Her commitment to delivering the best loan product for each client sets her apart, showcasing her exceptional market knowledge and proficiency with various loan programs and guidelines.

In an industry marked by continuous change, Tiffany has demonstrated her adaptability without losing focus on her primary goal—making the mortgage process as seamless as possible for her clients. Her reputation for maintaining uncompromising ethics, honesty, and integrity underscores her dedication to treating clients with the utmost respect.

Tiffany's approach to every home loan transaction is marked by tenacious commitment, ensuring timely closings and a hassle-free experience for her clients. Her extensive industry knowledge positions her as an ideal choice for anyone seeking a trustworthy and experienced mortgage expert.

If you're looking for a mortgage professional who combines market expertise with a client-first mentality, Tiffany Doyle is the person to trust. Put your home loan in her capable hands and experience the difference—call Tiffany today for a personalized and stress-free mortgage transaction.

Tiffany Doyle's success in the mortgage industry is a testament to her client-centric approach and unwavering commitment to providing exceptional service. Over her 25+ years of experience, she has built a thriving business based on client satisfaction and referrals, showcasing her ability to navigate the ever-changing landscape of the mortgage industry. As a dedicated mortgage loan officer with a passion for helping heroes achieve their homeownership dreams, Tiffany brings a wealth of experience and expertise to the table.


Tiffany's key to success lies in her understanding that client happiness is paramount. By actively listening to her clients' concerns, she ensures that she addresses their unique borrowing scenarios effectively. Her commitment to delivering the best loan product for each client sets her apart, showcasing her exceptional market knowledge and proficiency with various loan programs and guidelines.


In an industry marked by continuous change, Tiffany has demonstrated her adaptability without losing focus on her primary goal—making the mortgage process as seamless as possible for her clients. Her reputation for maintaining uncompromising ethics, honesty, and integrity underscores her dedication to treating clients with the utmost respect.


Tiffany's approach to every home loan transaction is marked by tenacious commitment, ensuring timely closings and a hassle-free experience for her clients. Her extensive industry knowledge positions her as an ideal choice for anyone seeking a trustworthy and experienced mortgage expert.  
If you're looking for a mortgage professional who combines market expertise with a client-first mentality, Tiffany Doyle is the person to trust. Put your home loan in her capable hands and experience the difference—call Tiffany today for a personalized and stress-free mortgage transaction.

Tiffany Doyle is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tiffany is committed to helping homeowners with home purchase loans and refinances. Contact Tiffany at (408) 962-6868 for more information!

Tiffany Doyle at Guaranteed Rate Affinity (NMLS #236890)

Aaron knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Aaron’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Aaron also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

VP of Mortgage Lending

Aaron Wise is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Aaron is committed to helping homeowners with home purchase loans and refinances. Contact Aaron at (312) 383-6253 for more information!

Aaron Wise at Guaranteed Rate Affinity (NMLS #789866)

Do you feel like mortgage speak is a foreign language? You are not alone---the mortgage industry has its very own dialect that very often sounds like “Charlie Brown…blah ba  blah ba blah.”

I get it--I’ve been in this industry since 2011 and have seen so many changes, but yet still feel like our best years are ahead of us. In a normal year there are over 350+ guideline changes, and it's my job to stay on top of these for you and be able to explain them to you in plain English. It is not something you can google and teach yourself by any stretch!

My clients and referral partners know that I will always speak the truth – even if its not something you want to hear. You can and should absolutely expect honesty and transparency at all times. I will listen to what your financial needs are and help you to determine the best course of action  Homework and legwork makes the transaction go smoothly. No one like surprises! Its' not just about rates, fees, and numbers…I want to build a relationship with you and not treat this as a transaction. It's about thinking outside the box and getting creative!

Do you feel like mortgage speak is a foreign language? You are not alone---the mortgage industry has its very own dialect that very often sounds like “Charlie Brown…blah ba  blah ba blah.”





I get it--I’ve been in this industry since 2011 and have seen so many changes, but yet still feel like our best years are ahead of us. In a normal year there are over 350+ guideline changes, and it's my job to stay on top of these for you and be able to explain them to you in plain English. It is not something you can google and teach yourself by any stretch!





My clients and referral partners know that I will always speak the truth – even if its not something you want to hear. You can and should absolutely expect honesty and transparency at all times. I will listen to what your financial needs are and help you to determine the best course of action  Homework and legwork makes the transaction go smoothly. No one like surprises! Its' not just about rates, fees, and numbers…I want to build a relationship with you and not treat this as a transaction. It's about thinking outside the box and getting creative!

Robin Baran is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Robin is committed to helping homeowners with home purchase loans and refinances. Contact Robin at (312) 897-3461 for more information!

Robin Baran at Guaranteed Rate Affinity (NMLS #228868)

Since joining Guaranteed Rate in 2006, John Moony’s top priority has been connecting homebuyers at all levels with low-rate mortgages. He and his knowledgeable team of mortgage experts utilize their years of experience and commitment to a customer-first philosophy to consistently deliver results with an unparalleled level of customer satisfaction. Realtors, attorneys and those in the community love working with John Moony. Every member of John’s staff is highly trained, well-versed in the industry, and dedicated to providing exceptional and personalized service. From the first-time homebuyer to a real estate investor, John will find a mortgage solution that best fits the needs of his clients. John also leads a staff of experienced loan officers, coaching them on growing their businesses and serving their communities. John will do everything he can to ensure a smooth, stress-free mortgage process using cutting-edge technology such as the Digital Mortgage. He understands that communication is key and will always keep his clients and referral partners in the loop regarding the status of a loan. Ultimately, John’s goal is to deliver a first-class mortgage experience for every client. His proven formula for success has helped thousands of homebuyers obtain financing for their dream homes. This dedication to helping homebuyers achieve their homeownership dreams has earned him a place in the company’s President’s Club for top producers. John is currently licensed in 28 states, including Washington D.C. A Chicago native, John and his wife Amelia currently live on the north side of the city with their son, Vincent.

Area Sales Manager

John Moony is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, John is committed to helping homeowners with home purchase loans and refinances. Contact John at (773) 435-7927 for more information!

John Moony at Guaranteed Rate Affinity (NMLS #206094)

Se habla Español! Clients looking for a smart mortgage consultant and a company that really cares go to Nina Gonzalez and Guaranteed Rate Affinity for all their home financing needs. They can count on her to listen and understand their vision, and stay committed to doing what's in their best interest. Nina knows that every client has different financial goals, so she takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, she is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. She and her team consistently deliver smart choices because they're highly trained and well versed in all aspects of the industry. To find a smart home-financing solution, give Nina a call today! If you are a property owner that wants to explore refinance options contact me today.


Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

Nina Gonzalez is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Nina is committed to helping homeowners with home purchase loans and refinances. Contact Nina at (312) 383-6261 for more information!

Nina Gonzalez at Guaranteed Rate Affinity (NMLS #1213893)

Clients looking for a smart mortgage consultant and a company that really cares go to Tom Adams and Guaranteed Rate Affinity for all their home financing needs. They can count on him to listen and understand their vision, and stay committed to doing what’s in their best interest. Tom knows that every client has different financial goals, so he takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, he is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. He and his team consistently deliver smart choices because they’re highly trained and well versed in all aspects of the industry. To find a smart home-financing solution, give Tom a call today!

Originating Manager

Tom Adams is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tom is committed to helping homeowners with home purchase loans and refinances. Contact Tom at (847) 258-1532 for more information!

Tom Adams at Guaranteed Rate Affinity (NMLS #755896)

I my assistance that my true strength was to be a VP of Lending, which is when I became a full time VP of Lending.


I entered this business because I am very passionate about real-estate and it is my privilege to offer all my clients an excellent home buying experience regardless of the client's purchase price or income status. I love what I do and I work really hard to get my deals closed within the time frames expected. I have been a buyer, a seller and a landlord so I know the importance of every role in this industry and I do my best to offer excellent customer service to all my clients. I offer FHA, VA, Conventional, Jumbo AND Renovation Loans (FHA 203K and Home Style Renovation) and I also offer the Down Payment Assistant Programs available as well as IHDA and the City of Chicago Down Payment Assistance Program. I study guidelines and I am current on updates within the industry, which include guidelines changes.


I graduated from Chicago State University where I obtained my Bachelors in Finance. I obtained my MBA from Keller Graduate School of Management. I am also a graduate of Goldman Sachs 10,000 Small Business.


I am a member of Sigma Gamma Rho Sorority Inc. I am married and have two children. I love traveling to Las Vegas and Miami when I have free time. I was born and raised in Chicago, IL. I spend most of my time working and taking my son to baseball.


As a dedicated refinance mortgage specialist, I focus on understanding your unique financial situation to find the best mortgage solution. Whether it is a refinance, line of credit or a renovation refinance or a renovation line of credit giving tomorrows value today. My goal is to secure a loan that not only meets your needs but also enhances your overall financial well being.

Natasha Robinson is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Natasha is committed to helping homeowners with home purchase loans and refinances. Contact Natasha at (312) 383-6263 for more information!

Natasha Robinson at Guaranteed Rate Affinity (NMLS #332074)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the puchase and refinancing process, making your mortgage experience seamless and stress-free from start to finish. I'm committed to being available to you—from the initial application through closing—and take pride in thoroughly educating my customers about their purchase and refinancing options. This ensures you fully understand your choices and feel confident in selecting the loan program that best fits your needs. You can trust me and my team to guide you through all of your mortgage opportunities.

James Clark is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, James is committed to helping homeowners with home purchase loans and refinances. Contact James at (520) 385-7292 for more information!

James Clark at Guaranteed Rate Affinity (NMLS #259345)

Tom knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Tom’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Tom also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Tom Ryder is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tom is committed to helping homeowners with home purchase loans and refinances. Contact Tom at (847) 875-8875 for more information!

Tom Ryder at Guaranteed Rate Affinity (NMLS #284265)

Jon Goldman absolutely loves working with people and he cherishes the opportunity to help them purchase their dream homes. Jon strives to connect with his clients on a personal level. He cares immensely about each of his clients and many of his customers eventually became friends. He learned effective communication at his first job out of college— working at a cold-calling center. His two-plus decades in lending and his personable approach sets him apart from other lenders. Jon understands how to put deals together with a broad range of clients. His client base ranges from first-time homebuyers to experienced homebuyers seeking jumbo loans. Jon adopts a business-like approach for every transaction, always keeping in mind the emotional aspect of his job. At the end of the day, Jon understands this is a people business. He will do everything in his power to get his clients to the finish line as quickly and efficiently as possible. Clients say that Jon is knowledgeable, attentive and treats them as if they are his only customer. For the past three years, Jon has been a Mortgage Executive Magazine top 1 percent originator nationwide. His other awards include 5-Star Mortgage winner, Scotsman Guide's 2017 Top Originator and 2017 Lender of the Year from Chicago Agent magazine. In addition to working tirelessly to help clients, Jon is a family man. His family is the driving force behind everything he does. When he's out of the office, Jon spends time with them while maintaining a work-life balance that has played a crucial role in his success.

Jon Goldman is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jon is committed to helping homeowners with home purchase loans and refinances. Contact Jon at (224) 516-4248 for more information!

Jon Goldman at Guaranteed Rate Affinity (NMLS #904027)

With being in the Mortgage business for over 25 years, Jennie knows that everyone has different financial goals, so she takes the time to fully understand each client's situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and she makes sure to have a thorough understanding of each. Jennie's first objective is to help clients make the best choice, but that is just one aspect of her elite service. She works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Jennie also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible. With the ability to speak Korean, Jennie makes sure she's there for her fellow Koreans when it comes to mortgages and the loan process. Enstilling certainty & trust that they understand everything in their native language, and are comfortable with each step of buying a home.

Licensed Sales Assistant

Jennie Rypl is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jennie is committed to helping homeowners with home purchase loans and refinances. Contact Jennie at (312) 383-6288 for more information!

Jennie Rypl at Guaranteed Rate Affinity (NMLS #239660)

Clients looking for a smart mortgage consultant and a company that really cares go to Shon Atabaki and Guaranteed Rate Affinity for all their home financing needs. They can count on him to listen and understand their vision, and stay committed to doing what’s in their best interest. Shon knows that every client has different financial goals, so he takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, he is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. He and his team consistently deliver smart choices because they’re highly trained and well versed in all aspects of the industry. To find a smart home-financing solution, give Shon a call today!

Production Manager

Shon Atabaki is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Shon is committed to helping homeowners with home purchase loans and refinances. Contact Shon at (773) 938-9871 for more information!

Shon Atabaki at Guaranteed Rate Affinity (NMLS #253149)

Lee knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Lee’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Lee also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Lee Pederson is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lee is committed to helping homeowners with home purchase loans and refinances. Contact Lee at (847) 784-8327 for more information!

Lee Pederson at Guaranteed Rate Affinity (NMLS #559961)

Matt Kennedy brings speed, accountability, and a personal touch to every client interaction. Specializing in residential lending on the North Shore and across Chicagoland, he is committed to making the home loan process as comfortable and seamless as possible. Whether he is working with first-time homebuyers or seasoned homeowners, Matt offers expert guidance in securing conforming, jumbo, FHA, and VA loans with precision and confidence. "The feeling of helping someone achieve homeownership or save money in certain circumstances drove me to the business," he says.


Before diving into the lending process, Matt takes the time to understand his clients' personal and financial goals. He then customizes a solution that best aligns with their needs and helps them achieve their objectives.  
His greatest professional achievement to date is helping nearly 100 clients secure home financing in a challenging market. "During the tough times, I focused on staying in front of my referral partners. This led to gained market share and trust with my referral partners and real estate offices," he says.


A key factor in Matt's success is his availability. "I answer and return phone calls, take calls at night or on weekends when other loan officers don't," he says. "My availability allows me to earn trust and comfort with the client, and they know that I am here to help whenever they need it." His approachable, calm demeanor further sets clients at ease, and most of his business comes through word-of-mouth referrals.


Outside of work, Matt is an avid sports fan, enjoying football, baseball, basketball, and golf. Above all, he treasures spending time with his wife, Ioanna, and their two sons, Johnny and Will.

VP of Mortgage Lending, Team Lead

Matt Kennedy is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matt is committed to helping homeowners with home purchase loans and refinances. Contact Matt at (847) 384-7513 for more information!

Matt Kennedy at Guaranteed Rate Affinity (NMLS #218030)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Director of National Transition and Relocation

Ryan Vogel is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Ryan is committed to helping homeowners with home purchase loans and refinances. Contact Ryan at (312) 579-1942 for more information!

Ryan Vogel at Guaranteed Rate Affinity (NMLS #214830)

Tristan knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Tristan’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Tristan also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Tristan Ciardelli is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tristan is committed to helping homeowners with home purchase loans and refinances. Contact Tristan at (773) 365-2081 for more information!

Tristan Ciardelli at Guaranteed Rate Affinity (NMLS #2100583)

Read my Chicago Agent Magazine Article HERE



As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Wil Soppe is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Wil is committed to helping homeowners with home purchase loans and refinances. Contact Wil at (847) 258-1566 for more information!

Wil Soppe at Guaranteed Rate Affinity (NMLS #403773)

David Mosier is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, David is committed to helping homeowners with home purchase loans and refinances. Contact David at (773) 360-0783 for more information!

David Mosier at Guaranteed Rate Affinity (NMLS #2099643)

Lars Skarford is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lars is committed to helping homeowners with home purchase loans and refinances. Contact Lars at (312) 383-6308 for more information!

Lars Skarford at Guaranteed Rate Affinity (NMLS #1072302)

Eileen Quigley is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Eileen is committed to helping homeowners with home purchase loans and refinances. Contact Eileen at (408) 335-1065 for more information!

Eileen Quigley at Guaranteed Rate Affinity (NMLS #1654451)

Michael Burrows is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (719) 551-4524 for more information!

Michael Burrows at Guaranteed Rate Affinity (NMLS #2152446)

Consultant Vice President

Sandra Phillips is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sandra is committed to helping homeowners with home purchase loans and refinances. Contact Sandra at (815) 721-8174 for more information!

Sandra Phillips at Guaranteed Rate Affinity (NMLS #755960)

Steve Molitor is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Steve is committed to helping homeowners with home purchase loans and refinances. Contact Steve at (773) 365-2800 for more information!

Steve Molitor at Guaranteed Rate Affinity (NMLS #226140)

Kevin Danforth is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kevin is committed to helping homeowners with home purchase loans and refinances. Contact Kevin at (630) 536-5359 for more information!

Kevin Danforth at Guaranteed Rate Affinity (NMLS #232202)

Jim Wilson is your Chicago local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jim is committed to helping homeowners with home purchase loans and refinances. Contact Jim at (773) 516-6931 for more information!

Jim Wilson at Guaranteed Rate Affinity (NMLS #207376)

As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Reverse Loan Officer

Milton Phillips is your Chicago local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Milton is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Milton at (714) 831-2603 for more information!

Milton Phillips at Guaranteed Rate Affinity (NMLS #1040854)

Brad Conrad is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Brad is committed to helping homeowners with home purchase loans and refinances. Contact Brad at (914) 302-5901 for more information!

Brad Conrad at Guaranteed Rate Affinity (NMLS #400150)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program, whether it be in English, or in Gujarati, Hindi, Matathi, or Punjabi. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Palak Ajmera is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Palak is committed to helping homeowners with home purchase loans and refinances. Contact Palak at (312) 252-2455 for more information!

Palak Ajmera at Guaranteed Rate Affinity (NMLS #1069455)

Madison Lapides is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Madison is committed to helping homeowners with home purchase loans and refinances. Contact Madison at (630) 487-3597 for more information!

Madison Lapides at Guaranteed Rate Affinity (NMLS #1469622)

Dan Spaulding is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dan is committed to helping homeowners with home purchase loans and refinances. Contact Dan at (312) 509-4264 for more information!

Dan Spaulding at Guaranteed Rate Affinity (NMLS #310477)

Steve Samuelson is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Steve is committed to helping homeowners with home purchase loans and refinances. Contact Steve at (206) 257-7802 for more information!

Steve Samuelson at Guaranteed Rate Affinity (NMLS #161692)

Mike Abany is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Mike is committed to helping homeowners with home purchase loans and refinances. Contact Mike at (508) 843-4612 for more information!

Mike Abany at Guaranteed Rate Affinity (NMLS #2076723)

VP of Sales Performance, Mortgage Lending

Karissa Richardson is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Karissa is committed to helping homeowners with home purchase loans and refinances. Contact Karissa at (813) 993-7468 for more information!

Karissa Richardson at Guaranteed Rate Affinity (NMLS #2561251)

Ben Melnick is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Ben is committed to helping homeowners with home purchase loans and refinances. Contact Ben at (773) 435-7526 for more information!

Ben Melnick at Guaranteed Rate Affinity (NMLS #2370348)

When You Think Mortgage - Think Ryan Boody - The Lender in the Purple Hat!


DPA - Condo - Self-Employed - Jumbo - VA - Investor - Manufactured - and so much more!


**Mortgage Expert and Homeownership Advocate**With over 24 years of experience in the mortgage industry, I bring a wealth of passion and expertise to Guaranteed Rate Affinity Home Loan Division. Originally hailing from Houston, TX and later settling in Waverly, TN, my journey led me to Ocala, FL as a teenager, where I discovered my calling in the world of mortgages. Today, I proudly call Panama City Beach, FL my home, where I continue to thrive in helping individuals achieve their dream of homeownership.


**Career Journey**My career in the mortgage industry has been marked by numerous accolades and achievements. Most notably, I was honored as Mortgage Originator of the Year in 2003 and 2004 during my tenure at Mercantile Bank in Ocala, Florida. I continued to excel in my field, earning several ROCKS awards with Fifth Third Bank and multiple Customer Service awards while with Taylor, Bean and Whitaker Mortgage Corp. My dedication to excellence was further recognized through my inclusion in the President's Club with Land Home Financial Services for four consecutive years from 2017-2020 and Presidents Circle with NewRez Home Loan for 2024.


**Why GRA**I made the decision to join Guaranteed Rate Affinity because of our unparalleled technology, programs and services. Whether assisting a first-time home buyer who needs down payment assistance to guiding a seasoned investor through the purchase of their next income-producing property, the technology afforded by Guaranteed Rate Affinity allows for a much smoother and more efficient process while still tailoring the solutions and products to meet even the most specific of client needs. With competitive rates, a commitment to service and the fact that GRA is one of the largest of originators of mortgages nationwide, I am dedicated to making every mortgage transaction a seamless and enjoyable experience for my clients.


When You Think Mortgage - Think Ryan Boody, The Lender in the Purple Hat!

Vice President, Mortgage Lending

Ryan Boody is your Chicago  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Ryan is committed to helping homeowners with home purchase loans and refinances. Contact Ryan at (850) 343-4241 for more information!

Ryan Boody at Guaranteed Rate Affinity (NMLS #1053658)

Chicago

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40 Loan Officers in Chicago, IL