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Cindy Koutsovitis - SVP of Mortgage Lending at Guaranteed Rate Nmls#224212

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United States
Chicago, IL
Cindy Koutsovitis - SVP of Mortgage Lending at Guaranteed Rate Nmls#224212

SVP of Mortgage Lending, 25+ Yrs Experience. Mortgage planning and credit analysis. Guaranteed Rate, Inc. NMLS 2611 3940 N.

I’ve been lucky enough to spend the past two decades serving the lending industry and helping my clients achieve the American dream of owning a home. When it comes to financial and real estate decisions, I believe everything comes down to trust. I enjoy creating a lasting relationship and making my clients feel comfortable in relying on me to meet their financial goals. I create an open line of communication while educating my clients throughout the entire business process allowing us to make the most beneficial financial decisions together. I trust in the power of networking and believe no better compliment comes than a referral from a past client. Ravenswood Ave., Chicago, IL 60613 (866) 934-7283 • rate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.rate.com/licensing Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

**Disclaimer: Guaranteed Rate, Inc. has not reviewed or approved the content of this Profile. http://guaranteedrate.com/disclaimer.php. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose
and will not be liable for any loss or damage (direct, indirect or consequential) arising from the use of the same. Any reliance you place on such information is strictly at your own risk. The thoughts, opinions and/or views expressed herein are the sole responsibility and product of their respective author(s).

**End Disclaimer
http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611
NMLS ID: 224212
Guaranteed Rate NMLS ID: 2611

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

05/19/2026

Let’s talk timing. Rising home prices and relatively low inventory could affect the math on when it’s the right time to buy. If you’ve got a house in mind, let’s chat about how to use the market in your favor.

Learn more: http://ms.spr.ly/6189vp3OJ

05/14/2026

Fast, simple and designed for Veterans, a VA Interest Rate Reduction Refinance Loan (IRRRL) could help you refi in just days, while lowering your interest rate and skipping extra paperwork.

Connect with me to learn more: http://ms.spr.ly/6184vRHTM

05/13/2026

If your goal is a lower monthly payment, mortgage points might be part of the strategy. The key is knowing whether paying more now actually benefits you long term. That’s where I come in.

Let's connect: http://ms.spr.ly/6189vueRl

05/12/2026

Think you’ve found your dream home? I’ll help you make sure the numbers are in sync. The appraisal is where value gets verified and where strategy matters most. I’ll guide you through your options so nothing catches you off guard.

Let's connect: http://ms.spr.ly/6187vPNs7

05/11/2026

If you’re on the hunt for your next home, I’ve got some great news. In short, sales are shifting in buyers’ favor and mortgage rates are down from last year. The next step is to use these conditions to your advantage, and I’m here to help with that.

Let’s talk: http://ms.spr.ly/6184vPwJ8

05/07/2026

At Rate, we're committed to serving those who served, offering VA loan benefits including no minimum FICO and multiple loan options. You may have more opportunities than you think. Buy or refi** with us today.

Learn more: http://ms.spr.ly/6188vM7P4

05/06/2026

Most buyers don’t have 20% down, they just think they need it. That assumption keeps people waiting longer than they have to. If that’s what’s holding you back, let’s talk through what may actually be possible.

Learn more: http://ms.spr.ly/6180vMMQi

05/05/2026

Good news for buyers and sellers: home prices rose in 71% of metro markets in Q1, showing many homeowners may still have strong equity to work with. At the same time, typical monthly mortgage payments were down from last quarter and last year, giving buyers a little more room to plan their next move.

See what the latest data could mean for you: http://ms.spr.ly/6181vzax9

04/29/2026

The Fed held rates steady today and that kind of consistency can create opportunity. When the market pauses, smart strategy matters more than ever.

Let’s connect and walk through your options: http://ms.spr.ly/6186vyyGm

04/23/2026

The spring homebuying season moves fast. Preparation keeps you steady. When you understand your numbers, you make stronger moves in competitive markets. If you’re planning a spring purchase, let’s build a plan that strengthens your offer.

Get started: http://ms.spr.ly/6180vEBes

Address

3940 North Ravenswood
Chicago, IL
60613

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.Rate.com/cindykoutsovitis?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=2548&adtrk=%7

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