Chris Totani at Guaranteed Rate NMLS# 222019

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Chris Totani at Guaranteed Rate NMLS# 222019

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VP of Mortgage Lending NMLS # 222019 RATE NMLS # 2611 VP of Mortgage Lending at Guaranteed Rate - NMLS ID 2611

Guaranteed Rate, Inc. 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

Guaranteed Rate has helped hundreds of thousands of people with Life's Biggest Purchase (TM). With more than 170 offices and full service solutions in all 50 states, we assist customers the way they choose: face-to-face, over the phone, or online, and have funded more than $65 billion in loans since 2000. Guaranteed Rate is ranked as one of the ten largest retail mortgage lenders by National Mortgage News, one of only two independent companies included in the top 10. We consistently achieve a 96 percent satisfaction rating from our customers and carry an A+ rating with the Better Business Bureau. Connect with Guaranteed Rate on Facebook: https://www.facebook.com/guaranteedRate
http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611

11/02/2026

Days like today are the exact reason why I love doing what I do as a loan officer. Seeing a deserving family officially receive the keys to their own home is truly unmatched. 🏡

The path to homeownership is not always easy, especially when you have faced tough setbacks and felt let down in the past. With the right team supporting and guiding you through each step, building a lasting family legacy is entirely possible.

Today, this incredible family finally has the security of a place to call their own and a backyard for the grandbaby to enjoy.

Send me a direct message today to discuss how we can map out your next steps toward home.
https://myoc.io/dHjbFObCjKg

NMLS # 222019

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/dHjbFObCjKg/sxAWJ

NMLS # 222019

10/30/2026

We just wrapped up an incredible lunch and learn in downtown Joliet with our local real estate partners. Our biggest takeaway is simple: your next home purchase might be the one other lenders turned down. Hearing a no from a bank does not mean your homeownership dream is over. Every buyer has a unique financial story that deserves a customized strategy instead of a generic checklist. We focus on finding clear paths forward where other lenders only saw roadblocks. If you were told you cannot buy right now, let us take a second look at your scenario. Send me a direct message today and let us see what is possible for you. 🏡
https://myoc.io/dHjbFObCjKg

NMLS # 222019

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/dHjbFObCjKg/vOmFY

NMLS # 222019

10/30/2026

Be honest, did you get it before the reveal? Property taxes are sneaky like that. They can shift over time as your local assessment changes, which is one reason your monthly costs can climb even when your rate stays put. Knowing what drives those changes puts you ahead.

Drop your guess in the comments and tell me if you got it. Then reach out anytime you want to walk through what is really behind your mortgage.

https://myoc.io/dHjbFObCjKg/LgvOB

NMLS # 222019

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/dHjbFObCjKg/7FbUl

NMLS # 222019

10/29/2026

At Rate, we're committed to serving those who served. With 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.

https://myoc.io/dHjbFObCjKg/fyPiK

NMLS # 222019

10/28/2026

Securing a home loan should feel empowering instead of overwhelming. Hearing that our dedication far exceeded what big banks offered reminds our team why we do this work. Whether you are a first time buyer or navigating a complex situation, we are ready to rise to the challenge with honest guidance. I am forever grateful for the incredible families who trust us with their homeownership journey. Are you ready for a smooth mortgage experience that feels like a walk in the park? Send me a direct message today to discuss your goals and explore your financing options. 🏡

https://myoc.io/dHjbFObCjKg

NMLS # 222019

10/28/2026

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/dHjbFObCjKg/ulPNJ

NMLS # 222019

10/28/2026

Buying your next home without selling your current one first can be a challenge. Rate Portfolio changes the game with flexible Buy Before You Sell mortgage options that truly open up your home search.

https://myoc.io/dHjbFObCjKg/TUjWe

NMLS # 222019

Address

20 Kansas Street, Suite 200
Frankfort, IL
60423

Telephone

+17087031234

Website

https://www.guaranteedrate.com/loan-expert/christotani

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