About Jennifer D'Elia
**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.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 1800 W Larchmont Ave, Suite 400 Chicago IL, 60613