About Chris Barnes
Today's lending guidelines are continually changing and more complex than they were a couple years ago. When applying for a mortgage, it's vital to work with someone that can help you navigate the complexities of today's lending environment. And while getting a good interest rate is important, getting solid advice is essential. Chris Barnes has been originating residential mortgages since 1986. He's developed a loyal following within the real estate community and has extensive experience working with first time homebuyers. Chris also works with financial advisors, accountants and attorneys as a mortgage resource for them and their clients. He knows the importance of making sure that your mortgage is structured in a way that will parallel your short term and long term financial goals. Recently, Chris earned Rate's 2016 Customer Service award for his consistent above and beyond display to always put his customers first. Chris is a graduate of Northern Illinois University. He and his wife reside in Chicago's northwest suburbs. Creative Loan Structures First Time Homebuyer Strategies Multi State Lending Local Processing and Underwriting Mortgage Programs From Over 30 Lenders
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 3940 North Ravenswood, Chicago IL, 60613
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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