Abby Torres
VP of Mortgage Lending/Renovation Specialist
se habla Español 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.
Helpful tools and resources
No-fee personal loans
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Guarantee Rate team made sure that all parties involved did their job."
Latesha B. - Bellwood IL | May 2022
"I worked with Abby & Ray and they were able to get me closed in 30 days! During this time, my mother suffered a massive stroke and I had to move my elderly parents out towards me to start managing their care. Both buying a house and taking on elderly parents health needs are very stressful life events and if it wasn't for Abby and Ray supporting me every step of the way on the purchase process, I couldn't have made both happen in the same 30 days. Closing was a few days ago, and it took under 40 minutes. My attorney, my agent and the title company were all amazed at how fast we closed and at the closing table, they all shared the same sentiments about Abby that I have; that being that Abby is a loan warrior and extremely talented in her field. As a matter of fact, my agent (who has been selling homes for 40 years) said she's one of the best he's ever worked with and will be recommending Abby to his future clients as well. I'm just so grateful to have been introduced to Abby and cannot imagine having to have worked with anyone else through this process especially during this personally stressful time in my life. I will recommend Guaranteed to everyone I know, every chance I have. You guys are the real deal!"
Lisa M. - Somonauk IL | Apr 2022
"Abby Torres was awesome ??. she helped me with everything!"
Paris H. - Chicago IL | Mar 2022
"Abby was awesome. She was always available. She was so helpful"
Dawn V. - Downers Grove IL | Feb 2022
"They were very professional and understanding"
Thomas C. - Wood Dale IL | Feb 2022
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
|---|
This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first\-time home buyers.
We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.