Hi, I'm Corinne...
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Corinne Guerra

Mortgage Consultant

NMLS

807154

State license
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Cell Phone
312-802-8204
Office Phone
847-556-5824
Fax
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Address:

2110 Central Street

Evanston
IL
60201
Languages:  
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Corinne has over 25 years’ experience in the mortgage industry and has a thorough knowledge of financing and the homebuying process in Chicago and all the surrounding suburbs. Illinois is her only licensed state as she is a firm believer that her clients benefit from having a local lender who is an expert in their field, especially here in Illinois.

Being one of the top 1% Mortgage Originators in America, she is known for her expertise, patience, and education to her clients to make them feel comfortable and confident in their homebuying experience. Listening is the number one focus when she first speaks to her clients so she can address their concerns and give them the information they need to make educated decisions on buying their next home. She makes sure their hands are held throughout the process, always being available to answer any questions along the way.

Corinne has had the privilege to partner and work directly with Berkshire Hathaway Real Estate agents for over 15 years covering offices in Evanston, Glenview, and Park Ridge. She teaches financing courses to her agents to keep them up to speed on special programs, benefits, and potential restrictions in financing the homes they are selling. This makes for an amazing team experience and a smooth transaction for our homebuyers.

Personally, Corinne grew up in a small farm town in Central California on a ranch, riding and competing in horsemanship competitions and working cattle, and dance. She started her mortgage career after a 7 year move to San Diego, then headed to the mid-west in 2004 on a snowy day and has loved it here ever since. She fell in love with Evanston and bought a little bungalow there in 2007 that she remodeled and then purchased a multi-unit rental property in the city in 2021. She has recently migrated to the Arlington Heights area to be with her partner and his beautiful children. In November of 2022, they adopted a new puppy.

Corinne loves to make your next home a reality. Whether it’s your first home or the next chapter in your life, she’s hear to guide you through the process so it’s less daunting and more exciting…well, at least until moving day. : )

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I'm here to answer allyour mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

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prosperity
corinne.guerra@phmloans.com
corinne.guerra@phmloans.com
corinne.guerra@phmloans.com
Evanston
corinne.guerra@phmloans.com
1644440684524367
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By entering your contact information, you are providing express written consent for Prosperity Home Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
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Corinne Guerra
corinne.guerra@phmloans.com
312-802-8204
807154