Kristine Bestler
SVP of Mortgage Lending
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
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Kristine and her team were with us at every step of our home buying journey and available whenever we had a question or needed guidance."
Olivia Z. - Chicago IL | Jul 2022
"Kristine Bestler is absolutely amazing! We cannot say enough great things about her and her team. In our profession we move a lot and Kristine has helped us with both corporate and traditional moves. We thoroughly shopped for the best loan rates and as usual Kristine’s rates and overall loan package couldn’t be beat on each of our VA jumbo loans. People are consistently amazed at the terms we were able to receive each time. On one of our purchase the appraisal came back $30k below asking despite the great comps our agent provided. Instead of having to come out of pocket $30k Kristine went back and worked with the VA to get the property re-evaluated and the appraisal came back at $30k OVER asking price allowing both the seller and our family to close on the original deal without extending the closing date. The closings happen on time with clear roles of responsibility and minimal paperwork. It has been truly wonderful working with Kristine and her team during these very complex and stressful moves across states or when interest rates are rising and properties are scarce. We are thankful for the low interest rates every time we pay the mortgage!"
Charles C. - Elizabeth CO | Jun 2022
"Kristine and her team worked extremely quickly to get the loan approved on a tight deadline. The entire time, they were extremely responsive and kept me up to date on what I needed to provide to secure the loan."
Joseph W. - Chicago IL | May 2022
"Great service and one stop shop for our home buying finance needs."
Monica B. - Seattle WA | Apr 2022
"The entire team has been great to work with. Easy process. Very responsive to any questions or issues."
Jennifer S. - Stratford CT | Apr 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
- Chicago
- Lincoln Park
- Andersonville
- Bucktown
- Wicker Park
- Gold Coast
- Lakeview
- Rogers Park
Services offered
- Mortgage Lending
- First time home buyers
- Jumbo
- FHA
- Vacation Homes
- Conventional
- Investment Properties
- Multi-Units
- low down payment
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount points ($) | 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.