I have spent the better part of the past 25 years working in various aspects of the real estate industry in the Chicagoland area. I have been helping my clients get a great mortgage since 2003, and am proud to be a part of the PHH Home Loans team. I am sure you will find that the combination of our rates, customer service and product options are second to none. My business has been built exclusively through referrals as a result of the one-on-one service I give to each and every one of my clients. As your "mortgage guy for life," I take pride in doing a thorough analysis of your situation to ensure that you obtain the loan that best suits your individual needs. In this current market of economic and housing uncertainty, it is critical that you consider all of the variables when purchasing a home or refinancing your existing mortgage. I will take whatever time is necessary to make sure you understand all of your options and the entire loan process so that you know what to expect BEFORE it all happens.