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The Marino Team at Guild Mortgage

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United States
Naperville, IL
The Marino Team at Guild Mortgage

Tony Marino is the Branch Manager and is an Illinois mortgage originator, NMLS License #244399.

The Marino Lending Team is your mortgage lending expert in Naperville, IL. They are committed to providing you with the highest quality financial services possible, combined with competitive rates for the Naperville area. The Marino Lending Team works with you one-on-one to tailor a mortgage solution specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing a current mortgage, or consolidating debt, the Marino Lending Team can help you find the right loan program. They offer a wide variety of loan options, including conventional, FHA, USDA and VA loans, as well as first-time homebuyer down payment assistance programs, renovation and jumbo loans. Together, they developed a "3 Buckets of Cash Needed for Closing" approach to help first-time, and experienced, homebuyers understand what cash is needed when they pick a loan program.

“We believe a well-informed homebuyer can make a good decision if they are well educated. The Marino Lending Team focuses on being effective listeners when working with clients. We find out what their needs are: Is it to stop throwing money away on rent; to upgrade their housing as their family grows; or to downsize as they enter their senior years? Once we know their needs, we provide them with multiple loan options, Down Payment Assistance options, if necessary.”

The Marino Lending Team offers exceptional service to their clients. Their goal is to build lasting relationships with their clients and partners in order to continue providing excellent service for many years to come. To speak directly with a professional on the Marino Lending Team, simply give us a call anytime at 630.983.3604.

10/29/2026

🏡 NEW IHDA OPENING DOORS PROGRAM IS HERE!

Buying your first home just got easier!

The IHDA Opening Doors Down Payment Assistance Program is now available and offers $9,000 in assistance to help eligible homebuyers cover their down payment and closing costs.

✅ Available to first-time AND non-first-time homebuyers
✅ $9,000 forgivable assistance
✅ No monthly payment required
✅ Forgiven after 5 years
✅ Minimum credit score: 640
✅ Can be combined with FHA, VA, USDA, and Conventional financing

This is a fantastic opportunity for buyers who have steady income but need help bridging the gap to homeownership. With assistance covering a significant portion of upfront costs, purchasing a home may be more attainable than ever.

Whether you're purchasing your first home, moving up, or getting back into the market, let's explore if you qualify!

Message me today for a free homebuyer consultation and personalized eligibility review.

🏡

10/19/2026

Mortgage Tip: Stop Guessing, Start Comparing

If your rent keeps increasing every year, it may be worth looking at what a monthly mortgage payment could look like.

Many buyers are surprised to learn they can own a home with a monthly payment similar to what they're currently paying in rent.

Before renewing your lease, let's compare your options and see what homeownership could look like for you.

Reach out for a personalized payment estimate.

10/16/2026

🏡 Thinking about buying a home but worried about today's rates?

You may not need to put your homeownership plans on hold.

With Guild Mortgage's Payment Advantage Plus program, you could enjoy a lower monthly payment for the first two years of your mortgage:

✅ Seller pays 2% of your interest rate for Year 1
✅ Guild Mortgage pays 1% of your interest rate for Year 2
✅ More affordable payments when you're getting settled into your new home
✅ Available for many first-time and repeat homebuyers

Whether you're looking to purchase your first home, move up, or downsize, this program could help make homeownership more affordable right now.

Curious if you qualify or want to explore your options? Let's connect and build a plan that works for your goals.

10/15/2026

Mortgage Market Update

We’re seeing another reminder of why mortgage rates can move even when the Fed doesn’t do anything.

The 10-year Treasury yield moved lower today as investors shifted toward safer Treasury bonds, but inflation and stronger-than-expected retail sales are creating pressure in the opposite direction. That combination is contributing to a volatile rate environment.

What does that mean if you’re buying a home?

- Don’t try to perfectly time the market.
- Focus on a payment and price range that works for you.
- If rates improve later, refinancing may become an option.

If you're thinking about buying, let's run the numbers based on today’s market and build a strategy from there.

10/13/2026

Did You Know?

Every rent payment builds your landlord's wealth. A mortgage payment can help build your own equity over time.

If you've been renting for a few years, it may be worth exploring whether you qualify for homeownership sooner than you think.

Comment "EQUITY" below if you'd like a free mortgage review to see what options are available to you.

10/08/2026

Rates remain elevated as the 10-Year Treasury tops 5.30%, a level not seen in decades.

Markets are closely watching today's Treasury auction and Fed minutes for clues on where rates may head next.

Have questions about today's market and your home financing options? I'm here to help.

Send me a message.

10/06/2026

Get your financing strategy in place before you start house hunting.

Knowing your budget upfront can help you: ✅ Shop with confidence ✅ Avoid unnecessary stress ✅ Make stronger offers ✅ Move quickly when the right home appears

What's your biggest concern about buying a home in today's market?

Drop your answer below!

10/05/2026

Mortgage Tip: Don't Forget About Closing Costs

Many homebuyers focus on saving for the down payment but forget about closing costs.

Closing costs can include: Appraisal fees, Title fees, Lender fees, Prepaid taxes and insurance

Planning ahead helps avoid surprises and makes your home purchase much less stressful.

Thinking about buying soon? Let's create a game plan together!

09/30/2026

Market Update: Some Good News on Inflation

Today's inflation report came in better than expected, showing signs that inflation is continuing to cool. As a result, the market has lowered expectations for another Federal Reserve rate hike in the near term.

While mortgage rates are still moving day to day, this is an encouraging sign because lower inflation typically helps support lower long-term interest rates over time.

The housing market continues to create opportunities for both buyers and homeowners. If you've been waiting to purchase, refinance, or tap into your home's equity, it may be worth discussing your options now.

Have questions about today's market and how it impacts your buying power? Let's connect.

09/28/2026

Quick Mortgage Tip

Before shopping for a home, determine your monthly payment comfort zone rather than focusing only on the maximum amount you're approved for.

The goal isn't just to buy a home. It's to enjoy it without stretching your budget too thin.

Ask yourself: ✔️ What payment fits comfortably into my lifestyle? ✔️ Do I still have room for savings and emergencies? ✔️ Will I be comfortable with future expenses?

A smart budget today leads to less stress tomorrow.

What's more important to you: a bigger home or a lower monthly payment?

Address

651 N. Washington Street
Naperville, IL
60563

Opening Hours

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

Website

https://branches.guildmortgage.com/il/naperville/tony-marino-585-cttm.html?tonymarino

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