My name is Joe...

I'm a licensed loan officer in Chicago, IL. I began in the mortgage business in May of 2001 and joined Guaranteed Rate in 2003. My business has grown every year. I have closed over $100M in loans every year since 2004, and over $2 Billion in funded loans since 2001. I have been the top producer at Guaranteed Rate on numerous occasions, including 2013 and 2014, and have been in the top 200 loan officers in the country every year since 2005. Guaranteed Rate has named me one of 6 elite originators in the Chairman's Circle. In 2011 I was number 7 in the country as well as the top loan officer for purchase business in the state of Illinois. I have been #1 in Illinois for 2012 as well as 2013. Scotsman Guide named me #5 originator in America in 2013 and, most recently, I was named to MPA Magazine's Hot 100 list in 2014. Mortgage Executive Magazine published their Top Originator list where I was ranked #4 in the Country. The mortgage industry has had significant changes since I began in the business. The biggest changes are regarding documentation. Limited documentation mortgage loans such as stated income are no longer available. To qualify for the best rates banks require paystubs, bank statements and tax returns. Banks will loosen up on this in the next few years, but the rates for low documentation loans will be significantly higher.