“As a real estate agent, I’m very intentional about who I call when I need financing for my own personal deals... She’s a straight shooter [and] incredibly knowledgeable.”
As a real estate agent in Chicago, I know firsthand how essential a quality mortgage partner is to the success of any transaction. Because of that, I’m very intentional about who I call when I need financing for my own personal deals and it’s always Cindy Koutsovitis.
I truly trust Cindy. She’s a straight shooter, incredibly knowledgeable, and always looks out for me and my family’s best interests. The value she brings is irreplaceable.
If you’re looking for a lender who actually knows how to get deals closed, look no further. Cindy is your person!
“Cindy's due diligence is exceptional and she will always go the extra mile. She helped us navigate through an extremely volatile housing market and land our dream home.”
I have financed two different properties with Cindy and her team and I cannot speak highly enough of the service and special attention to detail that she delivers. Cindy's due diligence is exceptional and she will always go the extra mile to ensure that she keeps her clients on course throughout the home-buying process. Her team is extremely responsive and are always on top of all requirements. Cindy does not shy away from sharing her expert market-knowledge with her clients to make sure they are making the best decision for themselves and their family. She helped us navigate through an extremely volatile and competitive housing market in 2023 and made sure we put an attractive offer through that helped us land our dream home. I look forward to working with her in the future again and would recommend her to anyone looking to finance or re-finance a property.
“Having a lender you can trust makes all the difference, and Cindy is simply the best! I couldn’t recommend her more.”
I’ve worked with Cindy for years, and she’s my go-to lender every single time! She leads with heart, brings a wealth of knowledge to the table, and truly cares about my clients. She’s incredibly responsive, holds their hands through the process, and knows how to get creative when transactions hit a few bumps along the way. Having a lender you can trust makes all the difference, and Cindy is simply the best! I couldn’t recommend her more.
“Cindy was able to guide me through the process step by step even outside of business hours to help accommodate any situation.”
Going through the process of buying for the first time was quite the challenge especially with my busy schedule. Cindy and the rest of the rate team were so flexible with me to get this deal done. Everyone worked in such a collaborative manner. Cindy was able to guide me through the process step by step even outside of business hours to help accommodate any situation. Also the speed and efficiency Cindy has at getting everything done is astounding. She was always there in need of every question that I need answered. I will definitely be asking for Cindy the next go around eventually.
“My partner and I worked with Cindy and her team for two property purchases, and both experiences were nothing short of amazing.”
My partner and I worked with Cindy and her team for two property purchases, and both experiences were nothing short of amazing. Cindy and her team provided us with excellent communication that provided us with an stress-free financing process. They also answered all of our questions and concerns in a timely manner. We will always recommend Cindy and her team to our loved ones!
“As new home buyers, Cindy walked us through every step of the way, explaining in detail what would happen next. We cannot recommend Cindy enough!”
As new home buyers, my husband and I knew next to nothing about the home buying process and securing a mortgage. Cindy walked us through every step of the way, explaining in detail what would happen next, what costs we were to expect at closing, and how to secure the best interest rate. Cindy was available at all hours to answer our questions and draft letters, and is such a pleasure to work with. We cannot recommend Cindy enough, particularly to any new home buyers!
“Cindy was truly incredible to work with! She provided excellent communication, was always available to ease any stress, and got us from pre-approved to ready to close in record time!”
Cindy was truly incredible to work with! She provided excellent communication and 'held our hands' throughout the home buying process. She was always available to ease any stress or tension or answer any question we had, and her and her team were able to get us from pre-approved to ready to close in record time! Highly recommended!!
“She was always available to answer our questions and regularly checked in [...]. Thanks to her support, we were approved for a loan within just a few days.”
We just purchased a new home with Cindy, and we couldn’t be happier with her services! She was always available to answer our questions and regularly checked in to make sure we understood every step of the process. Thanks to her support, we were approved for a loan within just a few days. We highly recommend Cindy to anyone looking to buy a home!
“Cindy was a phenomenal partner! Her team was always there to provide updates and help with analysis. Clear to close came 10 days in advance, keeping us at ease and on track.”
Cindy was a phenomenal partner to work with throughout our recent home purchase! This year the market was very dynamic and we were actively placing offers and weighing options. Cindy and her team were always there to provide updates on current rates and help with our financial analysis. When an offer was accepted and it came to close the clear to close came in far in advance (10 days) and our appraisal was also done quickly, keeping us at ease and always on track. I would highly recommend Cindy and her team, true professionals, great rates, and amazing to work with!
“Cindy and her team went beyond our expectations. We are impressed with her knowledge and creativiness to find the right solution for us.”
Cindy and her team went beyond our expectations. We are impressed with her knowledge and creativiness to find the right solution for us. During the process there was constant communication and lots of phone calls to make sure we understood every step and number in the documents. I have worked with Cindy in the past and as always, she didn’t disappoint
PPatricia A.
“Everything went so smoothly and Cindy and her team were extremely helpful. Cindy cared about helping me and I was able to close on my home within 2 weeks. She is extremely knowledgeable.”
I would work with Cindy again if buying. Everything went so smoothly and Cindy and her team were extremely helpful and responsive when I had questions. Cindy cared about helping me and I was able to close on my home within 2 weeks. She is extremely knowledgeable and was very detailed. I never felt like I couldn’t rely on her / her team. Thank you Cindy!!!
“Cindy was a wonderful resource as my husband and I purchased our first home in Chicago! She and her team provided excellent lending expertise... Highly recommend!”
Cindy was a wonderful resource as my husband and I purchased our first home in Chicago! She and her team provided excellent lending expertise, and we couldn't have been happier with their service. Highly recommend!
“Cindy was incredibly knowledgeable, providing us with clear guidance. Thanks to her persistence and hard work, we are now in our dream home! Highly recommend her.”
I had the pleasure of working with Cindy as our home lender, and I couldn't be more impressed with her service. From start to finish, Cindy was incredibly knowledgeable, providing us with clear guidance and answering all our questions with patience and expertise. She went above and beyond to ensure we understood every step of the process, and her dedication was evident as she fought hard on our behalf to close the deal. Thanks to her persistence and hard work, we are now in our dream home! Highly recommend Cindy to anyone looking for a reliable, skilled, and caring home lender.
“Cindy and her team are fantastic to work with! They are incredibly responsive, knowledgeable, and always go the extra mile to ensure clients are taken care of.”
Cindy and her team are fantastic to work with! They are incredibly responsive, knowledgeable, and always go the extra mile to ensure clients are taken care of, especially in today’s fast-paced and competitive market. Whether it’s securing pre-approvals, answering questions, or finding solutions to unique challenges, Cindy consistently delivers with professionalism and care. Thanks to her expertise, buyers can move through the process smoothly and close quickly. I highly recommend Cindy and her team to anyone looking for a reliable and exceptional lending partner!
“Cindy and her team are truly 'the Dream Team.' Cindy is professional and patient... As a first time home buyer, I cannot recommend her enough for anyone that can benefit from her expertise.”
Cindy and her team are truly 'the Dream Team.' Cindy is professional and patient to assist with all questions that may arise during the home buying process. As a first time home buyer, I came to Cindy with a laundry list of questions and she made herself available to answer every single one. I cannot recommend Cindy enough for a first time buyer or anyone that can benefit from her expertise.
“Cindy was absolutely wonderful, very knowledgable, happy to answer all of our questions, walked us through the process explaining every step in detail. It was a great experience.”
Guaranteed Rate office was recommended to us by our relator. We had hesitations at first since we already had someone that we worked with but it was the best decision we could make. Cindy was absolutely wonderful, very knowledgable, happy to answer all of our questions, walked us through the process explaining every step in detail. It was a great experience and we will always recommend Cindy to others.
“She is an expert in her field and will get you the best rate on the market. She’s an excellent communicator [who] will explain all the mortgage jargon in terms a lay person can understand.”
I worked with Cindy in 2020 and reached out to her recently for a second purchase in 2024 because I had such an amazing experience the first time around! She is an expert in her field and will get you the best rate on the market. She’s an excellent communicator with timely responses. She will also explain all the mortgage jargon in terms that a lay person can understand. If I am fortunate enough to purchase a third property, I will reach out to her again!
“Her responsiveness, knowledge, and genuine care make what can be a scary process into a full experience. We learned SO much from working with her and are grateful our paths crossed!”
Cindy deserves WAY more than five stars! We have worked with her multiple times, but our most recent experience in purchasing our first single family home was above and beyond. Her responsiveness, knowledge, and genuine care make what can be a scary process into a full experience. There's never a question too small or too big. We learned SO much from working with her and are grateful our paths crossed during such an intense - but exciting - time! Thank you, Cindy!
“As a first time home buyer, the process was overwhelming. But from putting in an offer to getting clear to close took only 8 days because Cindy was very helpful and clear.”
I had an amazing experience working with Cindy and her team! I was a first time home buyer, so the process was very overwhelming at first. But, from putting in an offer to getting clear to close only took 8 days because Cindy was very helpful and clear on what documents/details were needed to get through underwriting. Any time I had a question I was able to get a quick response. I definitely recommend using them, I know I will be using them to refinance when the time comes!
“Cindy and her team were simply amazing. We are first time homebuyers, in a crazy market, and Cindy and her team made everything feel possible. I've already recommended Cindy.”
Cindy and her team were simply amazing. We are first time homebuyers, in a crazy market, and Cindy and her team made everything feel possible. We were on a very tight turnaround time and they all moved heaven and earth to make it happen. I've already recommended Cindy to family.
“Her mortgage knowledge goes way above anyone I have ever worked with in the industry. For fast closings and excellent services, Cindy is one of the best loan officers in Chicago!”
I've worked with Cindy multiple times for refinances & purchases for primary homes and investment properties. Her mortgage knowledge goes way above anyone I have ever worked with in the industry. For fast closings and excellent services, Cindy is one of the best loan officers in Chicago!
“As a first-time buyer, there were many things I didn’t fully understand, but she took the time to clearly explain every step and made sure I felt comfortable.”
I had a great experience working with Cindy throughout the entire home-buying process. From the very beginning, she was knowledgeable, patient, and always willing to answer my questions. As a first-time buyer, there were many things I didn’t fully understand, but she took the time to clearly explain every step and made sure I felt comfortable with all the decisions being made.
“From start to finish the whole process of finding the house and closing took less than 3 weeks. Cindy went above and beyond... ensuring a smooth process.”
We had a great experience with Cindy and her team. From start to finish the whole process of finding the house and closing took less than 3 weeks. Cindy went above and beyond with addressing our needs and reaching out to the seller ensuring a smooth process. We recommend her to anyone looking to purchase a home.
“She and her team went above and beyond throughout my home buying process - they were there to help me every step of the way. She was extremely efficient, responsive, and so kind.”
I could not recommend Cindy enough! She and her team went above and beyond throughout my home buying process - they were there to help me every step of the way. She was extremely efficient, responsive, and so kind. Cindy is wonderful and I definitely recommend her!!
“She was able to beat other rates we received, and made the process easy. She was able to work with us and take calls that accommodated our non-traditional work schedules.”
We had a great experience working with Cindy! She was able to beat other rates we received, and made the process easy. She was able to work with us and take calls that accommodated our non-traditional work schedules. Would recommend!
“Cindy was amazing! She was always prompt in responding to our questions. Her attention to detail was remarkable. She even came to our closing! We highly recommend her.”
My husband and I recently bought a home, and Cindy was amazing! She was always prompt in responding to our questions. Her attention to detail was remarkable. She even came to our closing! We highly recommend her.
“Cindy and her team came in clutch... [accomplishing] no small feat of securing loan approval with a very tight turn around. We would recommend Rate via Cindy to anyone in Chicago.”
Cindy and her team came in clutch for my home buying process. They accomplished no small feat of securing loan approval with a very tight turn around. We are so thankful for her services and would recommend Rate via Cindy to anyone in Chicago area.
“Her customer service is exceptional and she’s always willing to jump on a call to discuss any of our questions. She’s professional, patient, knowledgeable, and goes the extra mile.”
So fortunate to have worked with Cindy during our home buying process. Her customer service is exceptional and she’s always willing to jump on a call to discuss any of our questions. She’s professional, patient, knowledgeable, and goes the extra mile. 10/10 experience.
“Cindy and her team were great not only at finding us a fantastic mortgage rate but also helping guide us through our home buying process as first time home buyers.”
Cindy and her team were great not only at finding us a fantastic mortgage rate but also helping guide us through our home buying process and helping us understand the terms and processes we weren't familiar with as first time home buyers.
“Great at explaining every detail. It was easy to get answers to all of our questions... She did the most thorough job at getting us what we needed. Highly recommended.”
Great at explaining every detail. It was easy to get answers to all of our questions and Cindy was happy to help. She did the most through job at getting us what we needed and made us comfortable with the final numbers. We were very lucky to have worked with her. Highly recommended.
“Cindy has been fantastic to work with as we bought our new home! She was friendly, caring, responsive, and made everything very easy! I would highly recommend her and her team!”
Cindy has been fantastic to work with as we bought our new home! She was friendly, caring, responsive, and made everything very easy! I would highly recommend her and her team to anyone I know!
“Cindy SAVED ME by figuring out how to get me into a conventional loan on a multi-family property, which allowed me to finally win a bidding war. Everything went super smoothly.”
Cindy SAVED ME by figuring out how to get me into a conventional loan on a multi-family property, which allowed me to finally win a bidding war. Everything went super smoothly and I wouldn't hesitate to use her again.
“I have just finished closing with Cindy and her team. It was incredible. They were fast and efficient and very informative. I will be using them again in the future...”
I have just finished closing with Cindy and her team. It was incredible. They where fast and efficient and very informative. I will be using them again in the future and I highly recommend them.
“Compared with other lenders, she was the only person who was not trying to manipulate me with big words, promises and hidden fees. She is dedicated, resourceful and respectful.”
I am very happy I chose to work with Cindy. Compared with other lenders that I was in communication with prior to making a decision, Cindy was the only person who was not trying to manipulate me with big words, promises and hidden fees. For that, I thank her immensely. She is dedicated, reachable, resourceful and respectful. Highly recommended!
“I cannot recommend Cindy and her team more! Cindy always made herself available to answer any of my questions and was always extremely responsive! She's truly the best!”
I cannot recommend Cindy and her team more! Cindy always made herself available to answer any of my questions and was always extremely responsive! I appreciated her professionalism and patience throughout the process. She's very knowledgeable and goes above and beyond for her clients. Cindy is truly the best!
“Our real estate clients have nothing but nice things to say about their seamless experience in getting a mortgage, especially with first time home buyers.”
I've known Cindy for years, and connected with her many moons ago through a BNI meetup in Chicago. Our communication styles and educational approach to working with buyers compliment each other well, and our real estate clients have nothing but nice things to say about their seamless experience in getting a mortgage, especially with first time home buyers. Our team continues to recommend Cindy and her team, and look forward to many more years of working together. 5 stars year after year!
“Cindy K. at Guaranteed Rate is top notch! I have had the pleasure of benefiting from her expertise, guidance and over-the-top customer service over the years!”
Cindy K. at Guaranteed Rate is top notch! I have had the pleasure of benefiting from her expertise, guidance and over-the-top customer service over the years! No need to shop around, highly recommended!
“Cindy is timely and communicates wonderfully to help us through the process. Always recommend her to my family and friends.”
Cindy is timely and communicates wonderfully to help us through the process. Always recommend her to my family and friends.
MMagnus
“Cindy is awesome! Not only encouraging during the home purchase process, she explained things well, and she is patient.”
Cindy is awesome! Not only encouraging during the home purchase process, she explained things well, and she is patient. Both Cindy and team were very communicative along the way.
BBridget E.
“Our broker, Cindy Koutsovitis, was a dream to work with. So knowledgeable, helpful and friendly. Highly recommend.”
Our broker, Cindy Koutsovitis, was a dream to work with. So knowledgeable, helpful and friendly. Highly recommend.
JJames S.
“Cindy helped complete my home purchase incredibly fast. She was very patient and prioritized my understanding of the transaction. An absolute pleasure to work with!”
Cindy helped complete my home purchase incredibly fast. She was very patient and prioritized my understanding of the transaction. An absolute pleasure to work with! Looking forward to next time.
“Cindy Koutsovitis was fantastic! From our first conversation, I felt very comfortable working with and trusted her”
Cindy Koutsovitis was fantastic! From our first conversation, I felt very comfortable working with and trusted her as she made me feel confident the process would go smoothly. Her explanations were very clear, and she really made sure I was educated about everything throughout the process. Cindy was also very responsive to and patient with all of my questions. We did a quick close, and she and her team made it easy to get it done. On closing day, when I had a random issue with my bank, she very calmly talked me off the ledge and again put me at ease. I cannot say enough good things about Cindy and the Guaranteed Rate team.
CCaryle J.
“Cindy Koutsovitis was absolutely amazing! She was the easiest part of our process.”
Cindy Koutsovitis was absolutely amazing! She was the easiest part of our process. We were under contract two times prior to closing on our current home and each time Cindy was thereby our side. She went above and beyond to assist us with feeling comfortable as first time home buyers. Her kindness, knowledge and expertise makes her exceptional. Thank you Cindy!
EEmily S.
“Excellent service by my lender Cindy Koutsovitis. Always accessible and there for me with up to the minute status of my loan application.”
Excellent service by my lender Cindy Koutsovitis. Always accessible and there for me with up to the minute status of my loan application. Would highly, highly recommend!
CCatherine T.
“Cindy Koutsovitis and Becca Pineau were phenomenal. They walked us through everything and made the process as easy as possible.”
Cindy Koutsovitis and Becca Pineau were phenomenal. They walked us through everything and made the process as easy as possible. This was especially important given our busy work schedules.
RRamses J.
“Cindy Koutsovitis was outstanding and went above and beyond in supporting us to ensure we were clear to close.”
The entire process was so smooth. Cindy Koutsovitis was outstanding and went above and beyond in supporting us to ensure we were clear to close. She and her team were able to help us close within 10 days and as first time home buyers!
DDarlene S.
“In particular, Cindy was fantastic at guiding us through this process and making sure that we were informed and comfortable.”
The team worked incredibly hard to secure our loan as quickly as possible, kept us updated the entire time, and thoroughly answered all of our questions. In particular, Cindy was fantastic at guiding us through this process and making sure that we were informed and comfortable.
TThomas C.
“First time home buyer and the experience was great! Very easy. Cindy answered all my questions and stayed in touch throughout the process”
First time home buyer and the experience was great! Very easy. Cindy answered all my questions and stayed in touch throughout the process
“Cindy was wonderful to work with. She is very knowledgeable, available, personable, and prompt with communication. She genuinely cares about her clients. I highly recommend her!”
Cindy was wonderful to work with. She is very knowledgeable, available, personable, and prompt with communication. She genuinely cares about her clients. I highly recommend her!
