JD Cortese has been a mortgage industry leader for the past 25 years. He keeps actively involved in the communities he works and lives in; with membership in the Barrington Chamber of Commerce, the Bucktown Community Organization, Lakeview Chamber of Commerce, Board member of the Midtown Educational Foundation, and the Old Town Chamber of Commerce. JD is also an accredited member of The Veterans Advocacy & Benefits Association. Each year JD supports the Jackson Chance Foundation with their annual Ping Pong Ball in the fall. An alumnus of Purdue University, JD is an annual sponsor of multiple Purdue Alumni Association events such as the John Purdue Club Mollenkiof-Keys Classic and Purdue Alumni Club of Chicago Golf Outing Fundraiser. As a student, JD was the Student Council Treasure, and member of the Men's Rugby Club, which competes in the Big Ten Universities Rugby Conference. He also continuously keeps abreast of changes in the mortgage industry with membership with the National Mortgage Brokers Association, Illinois Mortgage Bankers Association, and Florida Association of Mortgage Brokers. In addition to personal licensing in 46 major real estate states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington DC, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee Texas, Utah, Virginia, Vermont, Washington, Wisconsin, Wyoming. He can also help buyers finance in all 50 states. With $100 Million average yearly volume, 100% customer satisfaction in 2008 - 2018, and experience as a practiced real estate investor, JD can offer the knowledge you need and the customer service you want in your mortgage lender. JD's team members include: Sofie Damgren, Loan Coordinator; Reilly O'Toole, Sales Manager; Mallory Pickford, Sales Assistant and Stephen Bender, Marketing Assistant.
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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, Inc. and are subject to change without notice. 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).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
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.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. 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.