Hani Ali
Senior Vice President of Mortgage Lending
Ranked as one of the Top Loan Originators in the country and with the strong level of experience I have, I would have to argue that I am a vastly experienced mortgage professional. I can do financing ranging from $100,000 to 10 million. I specialize in jumbo lending and have proven that I can get even the most challenging deals done. My clients range from First Time Home Buyers to Seasoned Investors, and I am always willing to help whomever I can. If you are looking to buy a home or are considering refinancing, please do not hesitate to get in contact with me! I am happy to lend advice and help you in any way that I can.
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
"Quick and efficient work that was extremely helpful to close my deal."
Victoria S. - Chicago IL | Aug 2022
"Hani and Nikki were incredible to work with. We will use them again!"
Ryan S. - Chicago IL | Aug 2022
"Hani and Cathy were professional and nice. We closed in two weeks and received ctc on 9 days. Thank you"
Souad Z. - Orland Park IL | Jul 2022
"The Rate team were professionals through and through! Hani made our my first time home ownership seem less. He was available within minutes, very patient and willing to answer any questions I had. After the initial application, the underwriting team was thorough but not pushy. I knew between Cathy and Annie exactly what I needed without feeling pressured. Micah is great at making sure the final details were done correctly and he was very knowledgeable in working with our relocation state. I look forward to working with them again in the near future and if anyone would ask if I knew a great lender, Guaranteed Rate is my answer! Thank you team for your efforts In getting us our beautiful home, The Saldaña Family"
Luis S. - Schiller Park IL | Jun 2022
"Simple and helpful to work with"
Cara Z. - Chicago IL | Jun 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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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.