Jose Macias
VP of Mortgage Lending
se habla Español When I was in high school I made a priority to give back to my parents. I wanted to buy them a home as a thank you for their unconditional support. I thought that being in the Real Estate/Mortgage Industry would help me do that, by educating myself on every aspect. 4 years after entering the Mortgage Industry I bought my parents their first home. I attended Harper College and graduated with an Associate's Degree. The relationships I made at Harper College were very successful ones as I am able to help some of the past students lower their mortgage payments by refinancing or I have also helped them with their first home purchase. My family is everything to me. I am happily married and have two kids that I adore. My two boys and my wife keep me busy and always on my toes, every day is a blessing. I cherish every moment and can't wait to see them grow. Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección.
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Recent reviews
What people are saying
"Amazing service, Kind, Knowledgeable and helpful employee. Quick response time."
Preranaben P. - Schaumburg IL | Oct 2022
"The team that helped me was amazing."
Virginia M. - Chicago IL | Aug 2022
"This rating I give personally to Jose Mascias"
Ai-Peri K. - Overland Park KS | Jul 2022
"Everyone was experienced and very friendly. They made sure I was being taken care of"
David S. - Chicago IL | Jun 2022
"Excellent team work, Jose Macias and LaTonya Thompson worked consistently from day one and made sure I was always aware of what was going on and what step I needed it to do next. They made the impossible possible!! La Tonya Thompson was on task at all times the turn around time of documents were super fast she was not only assisting me with the loan processing documents but also she kept me motivated throughout the entire process. Great personality very genuine person. She made an impact on me I took the time to write a letter to GR about her exceptional services I hope they recognize her on how valuable she is. As per Jose Macias he is a professional individual that knows the business he worked insatiable from the very beginning to accomplish our goal and made my dream come true. I have worked with Jose in the past and referred people to him and will continue to do so. He opened up a nice opportunity for referrals in South Padre Island Texas. Excellent professional customer service experience. I thanked everyone in the team that made this happened for me. Great team work!"
Martha M. - Chicago IL | May 2022
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Today's rates
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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.