About John Moony


Helping homebuyers in Illinois buy homes with confidence, without the stress.  
John Moony is our area sales manager and mortgage loan officer based in Chicago, Illinois, helping clients navigate the home financing process with clarity and confidence. With 24 years experience, John specializes in working with everyone from first-time buyers, move-up buyers, down-sizers, to investors, veterans, self-employed and business owners. The clients he helps are in the markets of Chicago and neighboring suburbs, offering tailored loan solutions and a smooth, transparent experience from start to finish. We also help finance homes all over the country; Michigan, Wisconsin, California, Washington, Arizona, Texas, Florida, Georgia, Tennessee, Ohio, New York, Pennsylvania, and more! Whether you're: - Buying your first home - Exploring refinancing options - Looking into programs like Conventional, Jumbo, Portfolio, FHA/VA, and Non-QM, John and his team will walk you through your options and help you choose the right strategy—not just the easiest one. One area which we excel is strategic financing to help get competitive offers accepted and closing quickly and smoothly. We do our 'homework' up front so that the process and closings don't hit speedbumps along the way. What sets us apart: - Clear, honest communication—no surprises - Fast, reliable pre-approvals to help you win offers - A hands-on, local approach backed by top-tier technology - A focus on education so you feel confident every step of the way.


Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals—I'll help you break it down clearly. We've helped clients over 2,500 clients secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. Clients praise that we're easy to work with, strategic, and forward-thinking. We are built to serve with speed and accuracy, with a clear, calm, and highly professional touch. Above all else, we put the clients' goals first. Our process maps out solutions to create wins for our clients. With timely 7-day-a-week access, our clients are in position to win the home above the competition with clarity and communication that goes above and beyond. Our clients come back to us for our process, pricing, products, and personal touch. Check out my client reviews to see what it's like to work together. When he's not helping clients, you'll find John as a father and husband, living in Chicago's Northcenter neighborhood. Born and raised in Chicagoland, he's an avid Chicago sports fan, music snob and restaurant aficionado. He also donates time to the Transcendental Meditation Center and the David Lynch Foundation, along with the Guaranteed Rate Foundation. John believes this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

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)

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.

Associate VP of Mortgage Lending

James Jaeger 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 (773) 516-6224 for more information!

James Jaeger at Guaranteed Rate Affinity (NMLS #1604214)

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)

I have worked hard for over 25 years to help homebuyers through the journey of becoming homeowners. Many first-time homebuyers have no idea where to start and what to expect. I enjoy guiding and educating clients, so they don't feel bombarded and stressed out by the homebuying process but rather make them feel like they have someone in their corner.

Greg Pusch 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, Greg is committed to helping homeowners with home purchase loans and refinances. Contact Greg at (773) 290-0486 for more information!

Greg Pusch at Guaranteed Rate Affinity (NMLS #220016)

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.

SA Desk Team Lead

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 (916) 241-3885 for more information!

James Clark at Guaranteed Rate Affinity (NMLS #259345)

Sr. Loan Officer

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)

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)

VP of Mortgage Lending

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)

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)

Helping homebuyers in the Midwest buy homes with confidence and without the stress.


Hi, I'm Eileen Quigley, a mortgage loan officer based in Harbor Country, Michigan and Northwest Indiana, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with second homes and investment properties across Michigan, Indiana and Illinois, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Conventional and Non-QM  
I'll walk you through your options and help you choose the right strategy—not just the easiest one. Things like complex deals and fast closings are no surprise to me!


What sets me apart:  
- Clear, honest communication—no surprises  
- Constant contact with the agents and the borrowers  
- Fast, reliable pre-approvals to help you win offers  
- Available on nights and weekends  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


With 8 years of experience, I've helped over 200 clients throughout the Midwest secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. Clients know me as easygoing, straightforward, and always adding humor to the process. Check out my client reviews to see what it's like to really work together.


When I'm not helping clients, you'll find me involved with the LaPorte County Habitat for Humanity which helps the local community qualify for homeownership.


I believe this business is about relationships—and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

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)

Helping homebuyers buy homes with confidence, without the stress.


Hi, I'm Johnita Herndon, a mortgage loan officer based in Texas, helping clients navigate the home financing process with clarity and confidence.


With 13 year's experience, I specialize in working with first time homebuyers and down payment assistance across Illinois, Texas, Georgia, and Indiana, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA and DPA


I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped over 300 clients secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. I pride myself in making sure all of my clients are happy! This is biggest purchase most of my clients will ever make.


Clients appreciate that I'm always available for questions and made the process simple! I have fast responses and quick closes. Check out my client reviews, though, to see what it's like to really work together.


When I'm not helping clients, you'll find me spending time with my two-year-old. I'm also a big sports fan of basketball and football.


I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Johnita Herndon 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, Johnita is committed to helping homeowners with home purchase loans and refinances. Contact Johnita at (214) 550-4841 for more information!

Johnita Herndon at Guaranteed Rate Affinity (NMLS #921725)

Helping homebuyers in Illinois buy homes with confidence and without the stress.


Hi, I'm Matt Kennedy, a mortgage loan officer based in the North Shore suburbs of Chicago, helping clients navigate the home financing process with clarity and confidence.


Being in the business for 16 years, I specialize in working with a broad mix of buyers and homeowners, from first timers, to investors, veterans, and even business owners. I help customers throughout Illinois, including those in Glenview, Northbrook, Skokie, Evanston, Wilmette, Winnetka, and Chicago, all the way up to the Wisconsin border.


I offer tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like conventional loans, jumbo loans, Non-QM, FHA, and VA  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


Our team uses the motto SECA (speed, execution, certainty, and accountability). We try to provide certainty upfront to provide comfort that they can get the transaction accomplished. Once under contract, we execute the plan with speed and provide accountability throughout the process.


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


One thing about me that stands out is my availability. When a lot of loan officers aren't picking up the phone, I am. I'm not afraid to stay involved with the process to ensure things get done properly. I also don't hide when there are problems. I make the difficult calls when a lot of loan officers would hide.


I've helped thousands of clients throughout secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. Clients like to praise my fast response, knowledge, communication, and calming demeanor during the loan process. Check out my client reviews, though, to see what it's like to really work together.


I have proudly qualified multiple times for President's Club at Guaranteed Rate Affinity after being a top producer. When I'm not helping clients, you'll find me married to a loving wife with two boys. I'm an avid golfer and Chicago sports fan- go Cubs, Bears, and Bulls! I also graduated from Michigan State University.


I believe this business is about relationships—and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

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 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 Mortgage Specialist

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)

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)

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)

Licensed Sales Assistant

Beth Joseph 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, Beth is committed to helping homeowners with home purchase loans and refinances. Contact Beth at (508) 283-9400 for more information!

Text me at 774-289-5395
Licensed in Massachusetts, Connecticut and New Hampshire
NMLS19786

Beth Joseph at Guaranteed Rate Affinity (NMLS #19786)

Clients looking for a smart mortgage consultant and a company that really cares go to Jason Marshall 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. Jason 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 Jason a call today!

Jason Marshall (NMLS #30009): (773) 365-2067 | jason.marshall@grarate.com  
Tristan Ciardelli (NMLS #2100583): (773) 365-2081 | tristan.ciardelli@grarate.com


Clients looking for a smart mortgage consultant and a company that really cares go to Jason Marshall 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. Jason 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 Jason a call today!

Jason Marshall & Tristan Ciardelli

The Jason Marshall Team 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, The Jason Marshall is committed to helping homeowners with home purchase loans and refinances. Contact The Jason Marshall at (773) 365-2067 for more information!

The Jason Marshall Team at Guaranteed Rate Affinity

I'm committed to providing the best mortgage solutions to meet each client's unique home loan needs. I believe the mortgage process should always begin with a conversation—one where I get to understand your goals and priorities so we can work together to find the loan that's right for you. Whether you're buying your first home, refinancing, adding an investment property, or taking on a renovation or construction project, our wide range of loan programs and investors allows me to tailor a solution specifically for you.


We'll continue that conversation throughout the entire process. I'll keep you informed every step of the way, letting you know what to expect, updating you regularly, and always being available to answer your questions. From pre-approval, to closing, and beyond, I'm here as your guide and advisor.


With over 35 years of lending experience and the support of a great team, I offer quick turnarounds, consistent updates, and hassle-free closings.


I've lived in the Chicago area for more than 30 years and raised four adult kids here with my wife, Teri. I'm a fan of almost all sports, love movies, and enjoy watching cooking shows. I have a degree in economics and have spent years volunteering as a youth sports coach, church leader, nonprofit board member, and supervisor on youth service trips to Milwaukee, Detroit, and Washington, D.C.

Jim Svehla 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) 897-6613 for more information!

Jim Svehla at Guaranteed Rate Affinity (NMLS #223274)

Home financing made clear, from first conversation to closing day.


Hi, I'm Jennifer D'Elia, a licensed mortgage loan officer serving buyers, homeowners, and real estate investors across Tennessee, Georgia, and Florida.


I help clients navigate the home financing process with clarity, confidence, and personalized guidance every step of the way. I provide fast approvals, and loan solutions for every kind of borrower with a smooth, transparent lending experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Accessing your home's equity through a HELOC  
- Financing an investment property  
- Looking into programs such as FHA, VA, Conventional, Jumbo, Reverse Mortgages, or Down Payment Assistance


I'll walk you through your options and help you choose the right strategy—not just the easiest one. I specialize in the types of loans many other lenders shy away from.


Loan types I work with:  
FHA loans · VA loans · Conventional loans · Jumbo loans · USDA loans · Reverse mortgages · HELOCs · Cash-out refinance · Rate-and-term refinance · Down payment assistance programs · Investment property loans · Fix-and-flip loans · DSCR loans · Bank statement loans · Non-QM loans


What Sets Me Apart:  
- Clear, honest communication with no surprises  
- Availability when it matters most: nights, weekends, and everything in between  
- Fast closings and reliable pre-approvals to help you compete with confidence  
- Expertise in complex scenarios, including self-employed borrowers, credit challenges, investors, and unique income situations  
- A strong focus on education so you always understand what's happening and why  
- A relationship-first approach that extends long after closing day


Frequently Asked Questions:


Do I need 20% down to buy a home?  
No. Many buyers qualify with as little as 3% to 5% down. Some programs including FHA, VA, USDA, and down payment assistance, offer even more flexible options depending on your situation.


What credit score do I need to get a mortgage?  
Every situation is unique. Even if your credit isn't perfect, there are often loan programs available to help you move forward. I'll look at your full picture, not just a number.


How much home can I afford?  
That depends on your income, debts, assets, and long-term goals. I'll help you understand your numbers and create a plan that makes sense for your financial future.


Can I get a mortgage if I'm self-employed?  
Yes. I specialize in self-employed borrowers and know how to document income in ways that work with lender guidelines. Bank statement loans and alternative income verification are options we can explore.


As a Tennessee native, I bring a unique combination of real estate and hospitality experience to every transaction - which means I understand the full homebuying journey, not just the financing side. I bring the same care and attention to every transaction that I'd want for my own family. I believe this business is about relationships. From your first home to your fifth investment property, I strive to be the loan officer you can rely on for years to come.


If you're thinking about buying, refinancing, investing, or simply exploring your options, let's connect. I'd love the opportunity to help you achieve your homeownership goals.

Jennifer D'Elia 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, Jennifer is committed to helping homeowners with home purchase loans and refinances. Contact Jennifer at (615) 203-0201 for more information!

Jennifer D'Elia at Guaranteed Rate Affinity (NMLS #2005904)

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 (847) 686-0079 for more information!

Kevin Danforth at Guaranteed Rate Affinity (NMLS #232202)

VP, Relocation Lending

Joe Leonard 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, Joe is committed to helping homeowners with home purchase loans and refinances. Contact Joe at (571) 510-8001 for more information!

Joe Leonard at Guaranteed Rate Affinity (NMLS #2611398)

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)

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)

Karissa Richardson is a Florida-licensed Mortgage Loan Originator serving Tampa Bay and surrounding areas. She specializes in jumbo mortgages, portfolio lending solutions, and reverse mortgage options, helping clients understand their choices clearly and move through the mortgage process with confident next steps. In addition to originating loans, Karissa serves in senior leadership at Guaranteed Rate Affinity, bringing an operational, communication-first approach to every file.

SVP of Sales Performance, Mortgage Lending

Karissa Richardson 
 is a Florida-licensed Mortgage Loan Originator serving Tampa Bay and surrounding areas. She specializes in jumbo mortgages, portfolio lending solutions, and reverse mortgage options, helping clients understand their choices clearly and move through the mortgage process with confident next steps. In addition to originating loans, Karissa serves in senior leadership at Guaranteed Rate Affinity, bringing an operational, communication-first approach to every file.



Text Me Today: 727-259-8212

Guaranteed Rate Affinity | NMLS 2561251 | Licensed in Florida

Karissa Richardson at Guaranteed Rate Affinity (NMLS #2561251)

Helping homebuyers and investors across Chicago and beyond secure financing with speed, precision, and confidence.


Hi, I'm Jon Goldman, a mortgage loan officer serving the North Shore of Chicago, the city of Chicago, surrounding suburbs, and clients across 20+ states, helping buyers navigate the mortgage process with unmatched efficiency and transparency.


I specialize in working with first-time buyers, investors, self-employed clients, luxury buyers, and repeat homeowners across Winnetka, Wilmette, Glencoe, Kenilworth, Northfield, Glenview, Lake Forest, and beyond, offering expert guidance on everything from conforming to complex portfolio and Non-QM solutions.


Whether you're:  
- Buying your first home  
- Financing a luxury or investment property  
- Looking into programs like Jumbo, VA, FHA, ARMs, or DSCR loans


I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- 30+ years of experience and 7,500+ families helped ($850M+ in volume)  
- Top 1% Mortgage Executive Magazine and Scotsman Guide honoree  
- 99.8% customer success rate with an average closing time of 10 days or less  
- 24/7 availability with a proactive, no-surprises approach


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals. I'll help you break it down clearly.


I've helped thousands of clients, from first-time buyers to high-net-worth individuals, secure financing quickly and efficiently, and I'm known for making complex transactions feel simple.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me spending time with my wife Erica and our three kids, skiing in Aspen, and staying active in the community through organizations like the Winnetka-Northfield-Glencoe Chamber of Commerce, the Concussion Legacy Foundation, and Blood Cancer United.


I believe this business is about relationships, and being someone people can rely on long after closing.


If you're looking for speed, transparency, and results, let's connect.

Jon Goldman is one of the top mortgage lenders at Guaranteed Rate Affinity, helping homebuyers across the North Shore, Chicago, and 21 additional states achieve their homeownership goals. With more than 20 years of mortgage lending experience, Jon combines deep industry knowledge with a personal, relationship-focused approach that sets him apart.

Jon truly loves helping people buy their dream homes and takes pride in creating a smooth, stress-free mortgage experience. Whether working with first-time homebuyers, experienced homeowners, or jumbo loan borrowers, he understands how to structure financing that fits each client’s unique needs.

Known for his attentive communication, responsiveness, and client-first mentality, Jon has built lasting relationships where many of his clients become lifelong friends. His early career in a cold-calling center taught him the importance of clear communication, persistence, and empathy — skills that continue to guide his success today.

Jon’s commitment to excellence has earned him national recognition, including being named a Top 1% Mortgage Originator by Mortgage Executive Magazine for the past three years, a 5-Star Mortgage Professional, and a Top Originator by Scotsman Guide. He was also honored as Lender of the Year by Chicago Agent Magazine in 2017.

When he’s not helping clients, Jon enjoys spending quality time with his family — the inspiration behind his dedication to work-life balance and client success.

If you’re looking for a trusted North Shore or Chicago mortgage expert who will work tirelessly to make your home purchase seamless, contact Jon Goldman at Guaranteed Rate Affinity today.

Jon Goldman at Guaranteed Rate Affinity (NMLS #904027)

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)

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