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Carrie Bertsos-Sharp
Senior Vice President of Mortgage Lending

I have been working as a mortgage professional in the Chicagoland market for over 15 years. I grew up in the South Suburbs of Chicago and graduated from Loyola University with a BA in Finance and a minor in Sociology. During my career I have earned many awards and accolades, including Guaranteed Rate President’s Club. I am also honored to be recognized as a “Top 1% Loan Originator in the Country” (by Mortgage Executive Magazine, 2012 and 2013). I am fully confident that I will sustain continued excellence in any market due to my strong work ethic, vast experience, customer service orientation and professional relationships. My team and I strive to go above and beyond to help our clients and real estate partners by offering unparalleled products, personalized service, the best possible pricing and a transparent mortgage process. I will always make an effort to inform my clients about each and every viable option available to them in an honest, open manner so that they can choose the one that is most appropriate for their situation. They can also rely on an incredible level of attention to detail to ensure that there are no last minute surprises before closing and that their home purchase will not be compromised in any regard. Homeownership is the most important financial decision people will ever make, and I truly enjoy helping my clients achieve this dream by helping explain the intricacies of the process. The greatest part of my career is the feeling I get when witnessing how excited homeowners become once they are handed the keys to their new home. There is simply nothing more rewarding than knowing that I played a vital role and helped someone achieve this monumental goal!

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Today's rates

Loan typeRateAPRDiscount 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.