Scott has been a mortgage banker since 1995 and with Rate since its' inception in 2000. Scott's commitment to customer service is the cornerstone of his work ethic, and has been a top producer throughout his entire mortgage career. Scott treats all transactions as if they were his own and his attention to his clients' needs is most important. From first time home buyers to retirees are ALWAYS in great hands with Scott. A graduate of Illinois State University with a major in accounting, he also played for the ISU golf team for 4 years. Scott and his wife Leah have lived in Lincoln Square for 24 years with their two daughters, Gabrielle and Ashley.

VP of Mortgage Lending

Scott Sidkey is your Chicago local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Scott 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 Scott at (773) 516-6447 for more information!

Scott Sidkey at Proper Rate (NMLS #223621)

I am a 21 yr veteran in the mortgage banking industry. Specializing in Jumbo,  Conventional FHA and VA home loans.

Thomas Griffith is your Chicago local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Thomas 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 Thomas at (630) 869-1077 for more information!

Tom Griffith at Proper Rate (NMLS #664633)

Steven Levitt has been in the mortgage business since 1991, has consistently been recognized for his high level of production, and superior customer service. An impressive amount of his clients would use him again, and he continues to grow his business, thanks to word-of-mouth referrals. Steven's goal, is to simplify the mortgage process for his customers, and make the home loan process easy to navigate. He and his team thoroughly educate their borrowers throughout the mortgage transaction, so they fully understand their options, and feel comfortable with their chosen loan program. He also strives to get loans closed in record time. Steven was born In Brooklyn, NY, raised in NJ, moved to San Diego, and currently resides in the Chicago area.

VP of Sales Performance

Steven Levitt is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Steven is committed to helping homeowners with home purchase loans and refinances. Contact Steven at (773) 290-0369 for more information!

Steve Levitt at Proper Rate (NMLS #222993)

Licensed Production Manager

Jonathan Kauzlarich is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Jonathan is committed to helping homeowners with home purchase loans and refinances. Contact Jonathan at (773) 328-6606 for more information!

Jonathan Kauzlarich at Proper Rate (NMLS #1207889)

As your trusted Proper 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.

SVP of Mortgage Lending

Joseph Burke is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Joseph is committed to helping homeowners with home purchase loans and refinances. Contact Joseph at (773) 435-0637 for more information!

Joe Burke at Proper Rate (NMLS #251383)

Will Madden prides himself on honesty and transparency with the goal of educating his buyers throughout the process. Will has seen good and bad lending from the buyer's perspective. He wants to make sure his buyers feel comfortable and help them understand the in's and out's of what could be the biggest purchase of their life. Speed, availability, and open lines of communication are important to Will's clients so he happily makes himself available well beyond 5pm on weeknights and anytime on the weekends. Connect with Will to see how your homebuying experience can truly be an enjoyable one!

William Madden is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, William is committed to helping homeowners with home purchase loans and refinances. Contact William at (847) 943-2148 for more information!

Will Madden at Proper Rate (NMLS #2073895)

During his20+ year career, Michael has closed over $1.2 billion in residential mortgages. With figures like these, it is no wonder that he is a top producing loan officer ranked in the top 1% nationally (2010-2021, Scotsman Guide Mortgage Executive Magazine) anda member of his company's eliteChairman's Circle, which requires annual production of over $100 million.  
Michael lives in Chicago with his wife, three children (two girls and a boy) and their dog Bocce. In his spare time, when he is not helping people with their home loans…he loves spending time with family, traveling, going to sporting events and golfing. Utilizing his degree in Business from Loyola University Chicago, Mike has the expertise and resources to make your next home loan stress free! Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Proper Rate for current rates and for more information.

Michael Gambatese is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (773) 328-6423 for more information!

Michael Gambatese at Proper Rate (NMLS #222968)

Kyle Gillespie is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Kyle is committed to helping homeowners with home purchase loans and refinances. Contact Kyle at (773) 435-7939 for more information!

Kyle Gillespie at Proper Rate (NMLS #223778)

With over 29 years in the mortgage lending business, I enjoy and love working with people in the Chicago area and nearby communities to assist them with their mortgage transactions. Whether you are looking for a mortgage on a new home or a loan to refinance your current home, my goal is to work hard to give you the best possible service to ensure a smooth, positive and fun experience with your home buying or refinancing journey. My experience and expertise ranges from all types of mortgage loans. Whether it be Conventional, Jumbo, FHA or VA my many years of experience and knowledge will assist you with any questions and concerns you might have regarding the mortgage process. I've worked with a wide array of clientele and have enjoyed a great working relationship with many real estate agents and of course my past clients who are my best referral source.

Steve Pallotto is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Steve is committed to helping homeowners with home purchase loans and refinances. Contact Steve at (708) 473-8966 for more information!

Steve Pallotto at Proper Rate (NMLS #226271)

Gustavo Herrera has been a Loan Officer in the mortgage industry since 2002 and hasn't looked back since. Gustavo went to the University of Illinois in Champaign-Urbana, and graduated in 2001 with two majors, Business Communications and Spanish. He was brought into the mortgage industry about a year after graduating from college. He had two uncles that were both loan officers at the time and he saw how well they were doing, so one day he inquired and now fast forward years later and he has been a loan officer ever since. Gustavo has excelled in the mortgage industry because he has a strong work ethic and truly enjoys helping people achieve the American dream of home ownership. He prides himself in thoroughly explaining every aspect of the lending process to ensure his clients are well prepared and have all of the tools they need to feel 100% comfortable and confident with their loan, whether it's the first time or the last time they are buying or refinancing. Gustavo is a proud father of two amazing children and a loving husband to his wife, whom he married in 2010. His #1 hobby, besides spending time with his family, is playing basketball, he plays in various Men's leagues across the city. A little fun fact about Gustavo, he is the first generation born here in the U.S. with two brothers. Both of his parents were born and raised in Mexico, he's very fortunate to have them as parents and says he is indebted to them for life! Reach out to Gustavo today and let him create a personal home loan strategy that works for you!

Gustavo Herrera is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Gustavo is committed to helping homeowners with home purchase loans and refinances. Contact Gustavo at (773) 290-0493 for more information!

Gustavo Herrera at Proper Rate (NMLS #808167)

While at Proper Rate, Mike Nielsen has consistently closed 350+ loans annually. With figures like these, it's no wonder Mike is a top producing loan officer and a President's and Chairman's Club member. Mike has been ranked #82 of the top 200 mortgage originators operating in the United States! Utilizing his 20 years of experience in the mortgage industry. Mike has the expertise and resources to make your next home loan stress free. Mike and his wonderful team of professionals know that speed and service coupled with the low low rates and fees are what is best for their client. In today's fast-moving real estate market, you never know how many offers you'll be competing against, so you always need the best digital mortgage technology and expertise to get through the loan process! Mike lives in Winnetka, IL with his wife and two daughters.

Michael Nielsen is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (773) 435-7920 for more information!

Mike Nielsen at Proper Rate (NMLS #223614)

Nulinn Takrudtong is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Nulinn is committed to helping homeowners with home purchase loans and refinances. Contact Nulinn at (708) 761-6233 for more information!

Lin Takrudtong at Proper Rate (NMLS #220438)

Chris Covalle has been in the mortgage industry since 2005 and has consistently been recognized for providing a superior level of customer service and education. Out of ~11,000 Chicagoland Loan Officers Chris is 1 of 9 to receive the Five Star Mortgage Professional award 10 times. Utilizing his accounting degree from Michigan State University and Masters in Finance and Real Estate Finance from Northwestern's Kellogg School of Management, Chris has the expertise and knowledge to help deliver excellent mortgage planning experience for all types of homebuyers. Chris and his family (wife, two boys, and dog) split time between Chicago and Long Beach, Indiana. In his spare time Chris enjoys spending time with family and friends, golfing, and running.

Christopher Covalle is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Christopher is committed to helping homeowners with home purchase loans and refinances. Contact Christopher at (219) 227-3563 for more information!

Chris Covalle at Proper Rate (NMLS #559650)

As a licensed mortgage professional since 2002, I have the knowledge and experience to match the perfect mortgage product to your individual financial picture. Whether you are a first-time homebuyer or looking to trade-up or downsize, it is critical that you sit down with a mortgage professional that will listen to you. We will discuss your long-term goals and budget, along with your short term wants and needs to make sure we have a clear and definitive picture of what type of home financing scenario will best suit your needs.


After earning my bachelor's degree in business from Michigan State University, I started my career as the Catering Sales Manager at the United Center in Chicago. Fortunately, the client service and negotiation skills I acquired in that position later helped me transition seamlessly into the world of home finance. After acquiring my Mortgage Loan Originator license on both state and national levels, I quickly discovered that helping my clients realizing their dream of homeownership was more than a career; it became my passion. I was honored to be a recipient of the Platinum Sales Award in 2020, 2021, and 2022, as well as earning the honor of joining the Sapphire Circle Sales Achievers to Cabo San Lucas in 2021 and 2022.


I currently reside in Park Ridge, IL with my husband Milan and our three children. This community has meant so much to me since moving here in 2004, and I am a firm believer in giving back. I sat on the board of directors for Park Ridge Baseball Softball for 9 years, have been a member of the Park Ridge Newcomers and have worked on several Labor Love events, am a proud sponsor of Maine South Football, and currently serve as president elect for the Maine South Cheer Booster board.

Erin Stojakovic is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Erin is committed to helping homeowners with home purchase loans and refinances. Contact Erin at (773) 516-6917 for more information!

Erin Stojakovic at Proper Rate (NMLS #224531)

As a twenty-five-year professional of the entertainment industry, I have learned to think quickly and adapt to constantly changing situations. I'm excited to apply this experience in my new role at Proper Rate.


Working collaboratively has been a large part of my career – working with other teachers or musicians, or working on my master's degree, I have brought the same kind of friendly engagement and collegiality to my relationships as I hope I can bring to our relationship.


Through my teaching work I have become very comfortable explaining complex concepts and can use that experience to make your loan as simple as possible and make sure you understand every step of the process. This may be the biggest purchase of your life and it only makes sense that you should understand every step!


The Proper Rate software – including our simple, straightforward application process and our myAccount loan home screen – are modern designs and made to be as simple as possible. There are no 1990's interfaces here, and you'll feel at home whether you are a mac or PC user and feel safe knowing that our safety standards are top-notch.


There are a lot of options for your mortgage. These include ways to make your loan less expensive upfront or in the long term, options for veterans, options for borrowers over the age of 62, options for lower-income borrowers and many, many others. Proper Rate has access to all of these programs and more, and my goal is to make you feel comfortable with whichever program we choose and explain what we're doing together to make the process as simple and easy as possible.


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.

Timothy Stine is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Timothy is committed to helping homeowners with home purchase loans and refinances. Contact Timothy at (773) 253-6002 for more information!

Tim Stine at Proper Rate (NMLS #2475526)

Robert Broton is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Robert is committed to helping homeowners with home purchase loans and refinances. Contact Robert at (773) 945-6140 for more information!

RJ Broton at Proper Rate (NMLS #1758405)

Jessica Deniz is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Jessica is committed to helping homeowners with home purchase loans and refinances. Contact Jessica at (408) 529-6364 for more information!

Jessica Deniz at Proper Rate (NMLS #1175991)

Sales Manager

Monique Stanford is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Monique is committed to helping homeowners with home purchase loans and refinances. Contact Monique at (408) 807-7999 for more information!

Monique Stanford at Proper Rate (NMLS #331525)

Michael Gallagher is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (408) 355-2010 for more information!

Mike Gallagher at Proper Rate (NMLS #120703)

Manager, Strategic Initiatives

Jo Ann Loschenkohl is your Chicago local lender. As a loan officer at Proper Rate, an independent mortgage company offering homebuyers and homeowners personalized lending services, Jo Ann is committed to helping homeowners with home purchase loans and refinances. Contact Jo Ann at (312) 637-4100 for more information!

Jo Ann Loschenkohl at Proper Rate (NMLS #2623046)

Chicago

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20 Loan Officers in Chicago, IL