Joseph Welninski
Senior Mortgage Specialist
As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
Helpful tools and resources
Mortgage calculators
Loan options
First-time homebuyer’s guide
Market research
See my video
Recent reviews
What people are saying
"We worked w guaranteed rate in the past, had a stress free experience and this time around was just as smooth."
Ailynn L. - Warrington PA | Apr 2022
"Things were nice and smooth, no stress"
Latinya J. - Atlanta GA | Apr 2022
"Everyone was very attentive and helpful throughout the whole process. The only reason I did not give a rating of 10 is because my point of contact within Guaranteed Rate was changed at a very inconvenient time. I do not think this was the fault of Joseph or his team, so it shouldn’t reflect poorly on them. However, it did add some stress to the process when this happened since I was notified about the change less than 24 hours before my offer was accepted. I understand that changes like this may be necessary, but some advance notice would have been greatly appreciated. Despite this inconvenience, Joseph and his team were great and I only have positive things to say about them."
Steven M. - Malden MA | Apr 2022
"Exceptional service. Joseph W. And James J. were very helpful throughout the application process - answering all questions thoroughly and providing quick responses."
Nathan Z. - Oak Forest IL | Apr 2022
"The whole team did an amazing job, but I'd like to give a special shout out to Joseph and James. These guys really went over and beyond to make sure this process went as smooth as possible for me."
Sean B. - St. Charles IL | Apr 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.
