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JD Cortese
Senior VP/Branch Manager

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: Jonathan Kauzlarich, Mortgage Consultant; Sofie Damgren, Loan Coordinator; Reilly O'Toole, Sales Manager; Mallory Pickford, Sales Assistant and Stephen Bender, Marketing Assistant.

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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.