John entered into the mortgage industry in 1992. Since then he has originated over $800 million in loans. Over the years John has won many industry related awards. Such as "Loan Officer of the Year", top 1% of production of Loan Officers in the Country and "Top 200" Loan Officer in the Country. John is the former host of his own mortgage related talk show and has contributed articles to industry related national magazines. In addition, John has been hired to speak and train Loan Officers around the country. "I have always loved helping people. The mortgage industry has given me the privilege of helping and serving thousands of families buy a place they can call their very own and also assist thousands to save money by refinancing their existing mortgage."
"John and Souzy were both incredibly helpful throughout this process. They were patient, kind, and thorough."
Jessica M. - Hoffman Estates IL | May 2022
"Great people, easy to use website"
Daniel S. - Bolingbrook IL | May 2022
"We have been shopping about refinancing and found many agents who push you into locking the rates asap. But John S. was very nice and very informative and didnt rush us at all. Also very very deatail oriented and sent us details everyday helping us make decision easier and logical."
Deepa D. - Inverness IL | Aug 2021
"The service and attention to detail from the John Santorineos team including Souzy Grammatis and Carrie Anderson was incredible. I always felt informed of what was going on and the transparency and ease of the underwriting process was a nice surprise. Really trust this team."
Philip J. - Evanston IL | Jul 2021
"Wonderful people to work with always making things easy"
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.
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.