Eric Hamilton at Guaranteed Rate NMLS #414113

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Eric Hamilton at Guaranteed Rate NMLS #414113

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Eric has assembled a highly skilled, dedicated, and customer service oriented team. I’m here to help you with Life’s Biggest Purchase! Guaranteed Rate, Inc.

nmlsconsumerccess.org | rate.com/licensing | rate.com/privacy
VP of Mortgage Lending at Guaranteed Rate NMLS #2611
Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

After 18 years in the mortgage industry, I have built my business largely from the referrals of past clients, realtors, attorneys, or financial planners. My team and I pride ourselves on being honest, transparent, and laser-focused on the customer service experience by remaining in constant communication throughout the transaction and after closing. Quite simply, my goal is to continue to offer the best customer service with the lowest rates and lowest costs possible to my clients. I am available 7 days a week from 7am until 11pm to ensure my customers and lead sources have access to me and my team. Whether you like to stay in touch through text, email, or phone, we’ll make sure you are never in the dark. Helping people’s dreams of home ownership come true is my primary motivation. For most people, purchasing a home is the single largest financial decision of their life- I enjoy being a part of something that affects people’s lives so positively and profoundly. Year after year, I am recognized as one of the Top 1% of Mortgage Originators. I strive to continuously build new relationships while staying connected with the prior clients and referral partners that I have worked with throughout my career. Our dedicated team leverages cutting edge technology and numerous value-added services to consistently close loans in under 21 days. Our online platform not only improves the customer experience, but also provides transparency and simplicity to a difficult process. However, this technology does not replace face-to-face meetings and consistent phone communication with my team; it simply improves efficiency and requires less work for each customer. Our customers are consistently ready for closing well before any deadline, which leads to a great customer experience. It is through the client’s understanding of the process, and a high level of communication and customer service, that we have developed so many trusting relationships that make others confident in referring our team to others. Give us the opportunity to prove to you why so many people entrust my team with providing their mortgage. DBA Rate NMLS 2611
3940 N. 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 • www.rate.com/privacy
AZ: Arizona Mortgage Banker License #0907078
GA: Residential Mortgage Licensee 414113

11/02/2026

$25,000 off the price or $25,000 as a credit. Same money. Not the same payment.

One of these saves about $170 a month. The other one does something closer to four times that in year one.

Most buyers ask for the wrong one. Most agents let them.

Watch the math, then run yours before you write the offer. DM me the word PLAN.

11/02/2026

A $10,000 price reduction might not be the best deal for a homebuyer.

Most buyers see a price cut and immediately assume they’re getting a better deal.

But what if asking the seller for that same $10,000 in closing cost credits could make a much bigger difference in your monthly mortgage payment?

That’s where mortgage strategy comes into play.

When affordability is already stretched, how you negotiate the purchase can be just as important as the price you negotiate.

And the surprising part?

The seller could walk away with the same amount of money while the buyer gets a much better short-term financial outcome.

Before you negotiate another price reduction, make sure you understand what a seller credit could actually do for you.

Because the best deal isn’t always the one with the lowest purchase price.

Watch until the end to see why it matters.

11/01/2026

Illinois just put $9,000 back on the table for home buyers.

No monthly payment on it. You do not have to be a first time buyer.

Last round the money ran out fast.

The part most people get wrong: a pre approval does not hold your spot. In the video I break down who qualifies, what it does to your cash at closing, and the one step that actually locks the funds.

DM the word DOORS and I will run your numbers.

10/31/2026

Lowest payment on the block, full size Snickers at the door. That’s not luck, that’s a 2021 refi.

If you missed that window, the play now is structure, not waiting for 3% to come back.

Happy Halloween. Which house are you?

10/30/2026

Home prices fell for the first time in 3 years and Chicago went number one in the same week. This clip is from my new full video, Mortgage Rates Hit a 5 Week Low. So Why Didn’t the Fed Do It? It’s live on YouTube now.

In the full video I go through all five headlines in five slides: the 7.29% rate and what $73 a month means, the Fed’s 10 to 2 hold and why December is already priced in, home prices falling while Chicago leads the country, the White House mortgage order that changes nothing at your closing, and Illinois reopening $9,000 in down payment help.

Nine minutes. No hype. No doom. What it actually means for your money.

Watch the full video on YouTube: Mortgage Rates Hit a 5 Week Low. So Why Didn’t the Fed Do It? Search Apply With Eric or tap the link in bio.

Which headline hits home for you? Tell me in the comments.

10/28/2026

The first question you ask your mortgage lender shouldn’t be “What’s the interest rate?”

It should be “What monthly payment can I actually afford comfortably?”

Too many homebuyers focus on finding the lowest mortgage rate without understanding how that mortgage fits into their overall financial picture.

Because what good is a great interest rate if your monthly payment leaves you financially stretched?

How much money will you have left in savings after closing?

Will you still be comfortable with your other monthly expenses?

Does the payment fit the lifestyle you want to maintain?

The right mortgage strategy starts with your budget, not the interest rate.

Rates matter. But they shouldn’t be the first conversation you have with your lender.

Your financial comfort should always come first.

Watch until the end to see why it matters.

10/27/2026

A lower mortgage rate could actually cost you thousands more.

Most homebuyers assume that getting the lowest interest rate means they’re getting the best mortgage deal.

But what if you’re paying thousands of dollars upfront for savings you’ll never actually see?

That’s where mortgage discount points can become an expensive mistake.

The problem isn’t necessarily paying points. It’s paying for something without knowing whether you’ll benefit from it.

What happens if you refinance sooner than expected?

What if you sell your home?

What if your plans change?

Suddenly, that lower rate might not look like such a great deal.

Before you spend thousands to lower your mortgage rate, there’s one calculation every buyer needs to understand.

Because the best mortgage strategy isn’t always the one with the lowest rate.

Watch until the end to see why it matters.

10/26/2026

Everyone makes buydowns sound complicated.

Here’s the question that actually matters: What would help you feel more comfortable buying this home?

Less cash at closing? A lower payment for the first 2 years? A lower fixed rate?

We built a tool to put those options side by side for a specific home, so you can understand the difference before you make an offer.

Realtors, we can also create this comparison for your listings to help buyers see their options.

In this video, I walk through how it works, including what happens when the temporary payment help ends.

Watch here:
https://youtu.be/MvOEq7pjiWM

Have a home in mind? Message me the address. Let’s see which options may fit your budget.

10/25/2026

Pressure is a privilege.

But that doesn’t mean it’s easy.

Building a branch means people are counting on you. Clients making one of the biggest decisions of their lives. Teammates building their careers. Families behind every one of them.

You see the team photos, the training days, and the celebrations.

What you don’t always see is the stress. The hard conversations. The decisions that don’t work out. The moments when you have to look at yourself and say, “I need to do better.”

After 22 years, I’m still learning that growing a business requires you to grow as a person.

Listen more. Own the mistakes. Keep your standards. Give people credit. Show up when things get difficult.

And remember the people at home.

My family sees the parts that never make a post. Their support means everything. Being present for them has to be part of my definition of success, too.

To my team and my family: thank you for being part of this with me.

The wins mean more because we share them. The hard days are easier because we have each other.

Pressure is a privilege. So is getting to build something with people you care about.

10/24/2026

Everybody talks about buydowns. Here’s a real, working example I put together today.

Same home. Different ways to structure the offer.

We developed a tool to help buyers compare how a seller credit could help with affordability, then see how those options stack up against a lower purchase price.

Use the credit for a temporary buydown.
Put it toward a permanent rate buydown.
Cover eligible closing costs and keep more cash.
Or negotiate a lower price instead.

Which makes the most sense for you?

That depends on your monthly budget, your available cash, and your plans. You deserve to see the numbers side by side before you decide.

And if you choose a temporary buydown, make sure you can afford the full payment when it ends. A refinance is never guaranteed.

Watch me walk through the numbers.

Message me “COMPARE” and let’s look at a home you’re considering.

Address

5002 Main Street Suite 201
Downers Grove, IL
60515

Telephone

+16307287918

Website

http://www.rate.com/erichamilton

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