Tom DuSell at Rate NMLS 756649

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Crystal Lake, IL
Tom DuSell at Rate NMLS 756649

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Sr. Loan Officer
Thomas DuSell NMLS # 756649
Rate NMLS: 2611 http://rate.com/tomdusell

🏡 With over 35 years of experience in mortgage lending, I help homebuyers and homeowners navigate financing with confidence. As VP of Mortgage Lending at Rate, I specialize in personalized solutions for purchases, refinancing, and first-time buyers. Whether you're buying your first home, upgrading, or restructuring your current mortgage, I'm here to make the process smooth, transparent, and fast.

📍 Licensed across multiple states.
📞 Let's talk about how we can make homeownership happen—your goals, your terms.

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/eEpHlJGf1wR/KvyE5

NMLS # 756649

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/eEpHlJGf1wR/1JmLg

NMLS # 756649

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/eEpHlJGf1wR/SlqhQ

NMLS # 756649

10/28/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/eEpHlJGf1wR/Z9ryg

NMLS # 756649

10/27/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/eEpHlJGf1wR

NMLS # 756649

10/26/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/eEpHlJGf1wR/pe45c

NMLS # 756649

10/22/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/eEpHlJGf1wR/QCECD

NMLS # 756649

10/21/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/eEpHlJGf1wR/18OyK

NMLS # 756649

10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/eEpHlJGf1wR/L44It

NMLS # 756649

10/15/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/eEpHlJGf1wR/5VR4c

NMLS # 756649

Address

2380 Esplanade Drive
Crystal Lake, IL
60102

Telephone

+18479974268

Website

http://rate.com/tomdusell

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