headshot
headshot
Chris Barnes
Vice President of Mortgage Lending

Today's lending guidelines are continually changing and more complex than they were a couple years ago. When applying for a mortgage, it's vital to work with someone that can help you navigate the complexities of today's lending environment. And while getting a good interest rate is important, getting solid advice is essential. Chris Barnes has been originating residential mortgages since 1986. He's developed a loyal following within the real estate community and has extensive experience working with first time homebuyers. Chris also works with financial advisors, accountants and attorneys as a mortgage resource for them and their clients. He knows the importance of making sure that your mortgage is structured in a way that will parallel your short term and long term financial goals. Recently, Chris earned Guaranteed Rate's 2016 Customer Service award for his consistent above and beyond display to always put his customers first. Chris is a graduate of Northern Illinois University. He and his wife reside in Chicago's northwest suburbs. Creative Loan Structures First Time Homebuyer Strategies Multi State Lending Local Processing and Underwriting Mortgage Programs From Over 30 Lenders

Helpful tools and resources
The Best Mortgage Experience logo
The Best Mortgage Experience
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Loading Rates...

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.