As a Vice President of Mortgage Lending and Award-winning loan originator, I know that nobody should go through the home buying process alone. Over the past 32 years, I have been guiding buyers through the financial portion of the home buying process starting from a quick pre-approval to mortgage application right up to the day of closing & beyond. I care about the fact that this is a very important financial decision for you and my experience helps me to understand your goals, allowing me to analyze the best way to structure your loan and determine the best mortgage product for your specific situation, whether you are a first-time buyer or an experienced homeowner.


I take time to help you understand the home buying process by keeping you informed with solid communication throughout the process. I have the experience, knowledge and skills needed to help you achieve your financial goals from start to finish when buying or refinancing your home.

VP of Mortgage Lending

Tricia Schultz is your Crystal Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tricia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tricia at (847) 232-2720 for more information!

Tricia Schultz at Rate (NMLS #200934)

Jerry DuPaw is a **distinguished mortgage professional** with over two decades of experience, dedicated to helping homebuyers achieve their financial and housing goals. As the **Producing Branch Manager** at **Rate's Crystal Lake branch**, Jerry leads a team that provides expert mortgage guidance for a wide range of client needs. His expertise spans **first-time homebuyers, refinancing, Jumbo loans, new construction, renovation loans, and Home Equity Conversion Mortgages** for those **62 and older**. He is particularly committed to supporting **veterans** through programs like *"Zero Down for Heroes"* and *"No Lender Fees for Vets"*, ensuring that those who served can achieve homeownership with the best possible terms.


In addition to traditional home loan solutions, **Jerry and his team offer fast 5-day funding on Home Equity Lines of Credit (HELOCs)**, allowing homeowners to access their equity quickly. They also specialize in **loans for investors** with **alternative income solutions**, making it easier for self-employed individuals and real estate investors to secure financing. First-time and repeat homebuyers can also benefit from **a wide range of Down Payment Assistance programs**, helping them achieve homeownership with less upfront cost.


Jerry studied **Aviation** at the *University of Illinois at Urbana-Champaign* and is an **instrument-rated multi-engine pilot**. His background in aviation has sharpened his ability to navigate **complex financial scenarios** with *precision, discipline, and a strategic mindset*—qualities that set him apart in the mortgage industry.


Beyond his career, Jerry is deeply involved in the community. He served on the board of the **Consumer Credit Counseling Service of Northern Illinois** for **over 12 years**, including a *seven-year tenure as President*, where he played a key role in guiding the organization through financial challenges and expanding its impact.


Away from work, Jerry is a **devoted father** to two teenage daughters, cherishing every moment spent together. Whether attending their activities, traveling, or enjoying quality time, he prioritizes creating lifelong memories. An **avid pet lover**, the DuPaw household is also home to beloved pets that bring additional joy. This blend of **professional excellence and personal fulfillment** defines Jerry's well-rounded approach to life, making him a **trusted mortgage expert** and **respected community figure**.

Producing Branch Manager

Jerry DuPaw helps individuals and families achieve homeownership with clarity, care, and confidence. With over 24 years of experience, he specializes in VA, Jumbo, new construction, renovation, and down payment assistance loans. As Producing Branch Manager at Rate in Crystal Lake, Jerry mentors loan officers, partners with top Realtors, and ensures a smooth, stress-free mortgage process. Whether you're buying, refinancing, or building, Jerry is here to guide you every step of the way.

Jerry DuPaw at Rate (NMLS #631478)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

VP_DE_PRéSTAMOS_HIPOTECARIOS

Alicia Cardoso is your Crystal Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alicia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Alicia at (312) 752-1524 for more information!

Alicia Cardoso at Rate (NMLS #938248)

Crystal Lake

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3 Loan Officers Crystal Lake, IL