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NMLS: 112837
Jo Ann Theriault-Fazio
SVP of Mortgage Lending/Branch Manager
  • O: (847) 972-5704
  • F: (773) 435-7887
  • 2201 Waukegan Rd
    Suite 180
    Bannockburn, IL 60015
    Experienced, trusted and local
    Apply Now Contact Jo Ann

    What people are saying... What people are saying... Read more

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    I have known Jo Ann for a long time. She has been a client of mine for 5 years and when I decided to refinance my house I knew exactly who to call! She is very personable, smart and dependable. I would recommend her to anyone I know and would definitely use her services again... :)

    - Gina S.

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    Jo Ann is the true professional and expert in her area. She will get the job done for you on time, on budget and 100% accurate. She is committed to her clients.

    - Barry B.

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    I've worked with Jo Ann for my last three ReFi's and she's top notch. I will certainly go to her for all future ReFi needs!

    - John R.

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    I have known Jo Ann for more than five years. She is a trusted and loyal professional with whom I thoroughly enjoy working. I have referred friends & family to Jo Ann and know that they are in excellent hands. Jo Ann not only has a friendly demeanor, but is incredibly knowledgeable in her field of expertise. I have had the pleasure of working with Jo Ann on multiple fundraisers and she is just as giving as she is caring.

    - Laurie G.

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    I have worked with Jo Ann for 12+ years and she is always professional and detail oriented. She has the ability to find the right program for specific needs. Any questions I need answered in the mortgage field she is the first person I call.

    - Martin V.

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    Hey check out the glowing review from Ryan about Jo Ann! �Jo Ann is quite simply the best at what she does! In an industry that can be difficult to navigate and lacks transparency, she was always honest, prompt, and professional. For my first purchase, she was able to make all information easily digestible and went smoother than I ever thought possible. I am not a big referral person unless someone is exceptional and I have already happily referred Jo Ann!It goes without saying, she found a client for life in me!� https://biz.yelp.com/r2r/1wMwX8R5Wtax9_1IRVhvew/

    - Ryan W. Chicago, IL

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    Jo Ann is quite simply the best at what she does. In an industry that can be difficult to navigate and lacks transparency, she was always honest, prompt, and professional. For my first purchase, she was able to make all information easily digestible and went smoother than I ever thought possible. I'm not a big referral person unless someone is exceptional - and I have already happily referred a few people to Jo Ann - shes that good. It goes without saying, she found a client for life in me!

    - Ryan W. Chicago, IL

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    Jo Ann is a friend and business partner. Recommending her is easy because she is punctual, trustworthy, consistent and creates a valuable product in a stressful market. She is one of the hardest working women I know. Watching JoAnn's business grow is an honor, because I know she is growing due to happy clients that are referring her again and again. This is a true testament of a good person and trustworthy business consultant. In a market that can bring anxiety and stress to an individual, she is there to make it easier.I would recommend her to a friend, family member or stranger on the street

    - Kate C.

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    Jo Ann and her team have been a pleasure to work with over the last 10+ years. Jo Ann has always had the ability to be creative or find options to fit my personal needs. While being very creative in the financing when things were going well and when I needed some additional help during the rough real estate times. I always liked the attention and the ability to reach out to her to ask the questions that I could not find the answer myself. She has a unique way to simplify the complicated putting you at ease and helping you make the right decisions. I would highly recommended Jo Ann and team

    - Jeff D.

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    I have known JoAnn for over ten years and she is a true Professional Business Manager, accomplished in detail, and very timely in completion of what ever she does!

    - John A.

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    Jo Ann and her team were a pleasure to work with through the entire lending process. Thank you for the professionalism and follow through.

    - Adam C.

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    Jo Ann is a mortgage professional that I have worked with for years. She works professionally with my buyers to help them with their mortgage needs and has helped my family with our personal mortgages in the past. A dedicated professional, Jo Ann can get the job done and I would not hesitate to recommend her to anyone.

    - Kathy P.

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    When I needed The Lake Team to find a good mortgage rate, they were there for me.

    - Elizabeth S.

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    My Go To Mortgage team for over 15 years

    - John K.

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    Anybody trying to buy a house these days is going to need help and these guys were great! Everybody was great, I mostly worked with other members of the team, but Jo Ann was wonderful. It's an absolutely, mind-boggling process but all things considered I think you did a great job.

    - Howard W. Nanuet, NY

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    Jo Ann was awesome! She was extremely helpful and professional with everything. I had a wonderful experience working with Jo Ann!

    - Kristin R. Chicago, IL

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    Jo Ann Theriault-Fazio has a fantastic team and was very personable and always available when I had questions.

    - Leslie V. Chicago, IL

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    All went very smooth and everyone was very helpful at all times during the process. I had a great experience.

    - Steven C.

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    Jo Ann Theriault and her team were very organized and communicated frequently with me throughout the process of applying for and obtaining a mortgage. They made the process very easy to understand and were very prompt in answering my questions. They partnered well with the rest of my real estate professionals to make my home purchase run smoothly. I would highly recommend Jo Ann and her team to anyone seeking a hassle free mortgage process.

    - Holly M. Evanston, IL

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    Jo Ann and her Team Rina and KC did a wonderful job from start to finish making my dreams a reality!! I would recommend Jo Ann and her team to my friends and Family!!

    - Daniel H.

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    Jo Ann, is a detailed oriented mortgage lender who is always finding ways to stay ahead of what's next. I find her to be pleasant and knowledgeable to work with.

    - Jane B.

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    It was my pleasure to have Jo Ann and her team assist me in my home purchase. Extremely thorough, Jo Ann presented me with a number of financing options that suited my situation, giving me multiple options on how to approach my home purchase. She and her team had an amazing quick turn-around time when it came to answering questions, supplying necessary documents, and processing the loan. I would recommend her to anyone looking to finance a property. She�s quick, responsive, detail orientated, and easy to work with. I�ve never had a more positive banking/loan experience.

    - Monica B.

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    She and her team were so communicative via telephone/email that everyone was on same page the entire time. If we refinance, we are going with Jo Ann. Our next property, Jo Ann. If you are looking for a professional, knowledgeable , and I think most importantly competent individual, Jo Ann.

    - Michelle Q.

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    Jo Ann is simply amazing to work with. She is uber responsive, gives my clients the best rates and gets the deal closed. A+++ for service and professionalism.

    - Christina C.

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    Jo Ann is a consummate professional! I recommend all my clients to her, even if they are already working with a lender because I know when Jo Ann is helping my clients finance the home of their dreams, she is going to do everything she can to bring about a successful closing.

    - Tina H.

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    Jo Ann's team was very helpful and through when I refinanced my home. I had refinanced twice before and this was the smoothest and easiest of them all! I highly recommend Jo Ann and her team - they are the best!

    - Pam B.

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    I have worked with Jo Ann for over 10 years. She is very detailed in her files and is always quick to lend a hand for missing conditions or corrections needed. She is a hands on loan officer and treats all her contacts with respect. I have nothing but Kudos for Jo Ann and I am confident she will always give you 100%.

    - Randi F.

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    Excellent service! I highly recommend Jo Ann.

    - Thomas F.

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    I have worked with Jo Ann and found her to be very professional and effective in finding us a good mortgage product. Subsequently we have used her services on two other occasions and always been highly satisfied.

    - Jim S.

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    Jo Ann helped us refinance our mortgage. I would recommend her to anyone. She was always available to answer all my questions. She gives great advice.

    - Amy F.

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    I have known Jo Ann and worked with her in her capacity as a loan officer for a number of years. She is conscientious and thorough and has always come through for her clients. I know that if Jo Ann has a file, it will be processed efficiently and successfully.

    - Manny L.

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    Several of my buyers of real estate have worked with JoAnn. She is an expert in her field, a valuable source of timely information. Also, she is quick to respond and very client-focused.

    - Gloria W.

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    Jo Ann and her team are awesome! From beginning to end, they made us feel extremely comfortable. As first time home buyers, we had a lot of questions and they efficiently and thoroughly explained everything to us. I would recommend their services to any potential home buyer."

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    Very responsive to questions and got back to us immediately. I appreciate that kind of service.

    - Matthew B.

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    Great experience, and a great team. Explained which loan products would be best for me, and were very knowledgeable. I will definitely go to Jo Ann for my next loan. We are very happy to have had the chance to work with this team.

    - Troy M.

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    I had a wonderful experience, especially with this being my first mortgage! Jo Ann and her team were fantastic!!

    - Kathryn G.

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    Everyone I dealt with was really great, JoAnn, K.C, Rina and Alison were wonderful.They answered all my questions no matter what it was. This is the first time I've taken out a mortgage. They were fast and efficient. The appraiser was also great.

    - Nancy H. Chicago Heights, IL

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    JoAnn and her team were so easy to get in touch with and made obtaining my first home loan a breeze!! Having a team of contacts really eased any concern I had, and they were SO responsive!

    - Jaclyn K. Three Oaks, MI

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    You guys are awesome! You made a complicated process seem so easy. I appreciate all the help and patience explaining all that was needed, as well as staying professional and keeping my best interest as a priority with the added noise from the sellers. Thank you for making home buying an exciting experience for me. And the added lender credit is GREATLY appreciated as Josh and I remember that now we have to fill the house ;)

    - Amber M. Elmhurst, IL

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    I can't say enough about Jo Ann and her team's customer focus. Jo Ann and her team made me their number one priority and got my loan from origination to close in less than a month because they were so focused! Not only did they get it closed quickly but they eliminated the myth that dealing local is better. Jo Ann and her team gave me a much lower rate than the local banks did and saved me thousands of dollars on loan. When they say they can get you a lower rate, that's what they mean. Jo Ann and her team are and will be my personal mortgage experts. You will not find a better team to work with on closing your loan. The Theriault-Fazio (Jo Ann, Alison, KC, and Rina) team is THE BEST in the industry. I'm so thankful for them.

    - Kevin R. Memphis, TN

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    I've been dealing with this lending team for many years for financing new homes and/or refinancing. The team is responsive, professional, accurate and streamlines the finance process so that it is as smooth as possible. I like how they know who I am since I am a returning customer, keep my records/information together, so that I only have to submit the information that is out-of-date.

    - Lisette S. Palatine, IL

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    Thanks again Jo Ann! Your team is educated, fast, and professional! Always enjoy working with you all!

    - Aubrey W. Chicago, IL

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    Everyone at G-Rate did a fantastic job of steering me through the mortgage "maze" and helping me get a rush deal done long distance with the best possible terms to fit my needs. The communication and coordination between them, the realtor, and the title company was fantastic!

    - Chris G. Tuscon, AZ

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    Exceeded my expectations.

    - Mark P.

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    Jo Ann and her team were fantastic. They were very responsive and worked with me every step of the way to make sure we could close on time, even when barriers came up.

    - Eric H.

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    I've used Sam Fazio and his team multiple times and he always makes it a pleasant experience. I always refer you guys, too!

    - Melanie A.

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    Super supportive, knowledgeable, and understanding. Streamlined the entire process.

    - Sara M.

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    Jo Ann, Allison, and Rina were all very professional and great to work with. The communication was fantastic. Would highly recommend!

    - Karrie T.

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    Jo Ann and her team were great to work with and they went out of their way to address an issue with my credit score. Highly recommend their team!

    - Deepa R.

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    Jo Ann Theriault-Fazio and her team were incredibly competent. They had everything in place and was extremely efficient with the contingency dates. We're so happy in our new home, and we couldn't have done it without GRate and the best team!

    - Erin M.

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    Sam and Rina were amazing to work with. While the home build process wasn't as smooth as I'd have liked I wouldn't hesitate to call Sam and his team again to get my next home loan.

    - Anton H.

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    The staff was great, and the procedures were painless. I loved the digital process. Thanks for all the hard work

    - Kathleen D.

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    Sam Fazio's loan team made the process flawless and very efficient. Fantastic job by all!

    - Michelle K.

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    Joann Theriault was just great, as was every person on her team. They were always friendly, helpful and efficient. I was very please with the entire process.

    - Wendy S.

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    From Sam to JoAnn to KC and then Rina, the entire process was handled so well. I cannot say enough about them. Top notch team that absolutely does a phenomenal job.

    - Martin B.

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    This is our second transaction with Sam and JoAnne. Their team is very good at what they do, had great communication and response time to any and all questions we had. Have already recommended them to family and friends.

    - Paul H.

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    I applied for a loan to buy a condo. Got me a great rate. They made it easy, stress free and communicated well with both my lawyer and realtor. Very professional. 10/10.

    - Michael A.

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    You all are terrific people and very good at what you do. Thanks again for yet another positive experience.

    - Mark P.

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    Could not have loved using Joann and her team with this entire process. They made such a stressful and overwhelming thing be so easy and stress free. Would recommend to everyone!

    - Anthony C.

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    Excellent service. Very satisfied. Will always uses your help when I need. Also will recommend to my friend and family.

    - Hitesh B.

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    Excellent service. Very satisfied. Will always uses your help when I need. Also will recommend to my friend and Family.

    - Hitesh B.

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    This is our 2nd time using you and great service again

    - Alan W.

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    Smooth process. Open communication. Quick turnaround

    - Lucy W.

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    Because the service was good

    - Ruth B.

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    Everyone I interacted with was courteous and helpful.

    - Fernando G.

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    Jo Ann, KC, Rina and the rest of the team were an absolute joy to work with. We closed two loans back to back with them and they were simply amazing. Calm, tireless, and honest throughout the process. Best loan team I've ever worked with - hands down.

    - Stephen G.

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    Jo Ann, KC, Rina and the rest of the team were an absolute joy to work with. We closed two loans back to back with them and they were simply amazing. Calm, tireless, and honest throughout the process. Best loan team I've ever worked with - hands down.

    - Stephen G.

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    The dedicated staff was able to provide accurate information

    - Ricky M.

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    FAST FRIENDLY SERVICE TO CLOSING

    - Thomas S.

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    Everything went as promised and the process was very easy.

    - Christopher D.

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    They make the process easy and as painless as possible. I really appreciated having the notary sign documents at my house on a Saturday.

    - Joel S.

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    Very easy to work with and made everything very understandable to us

    - Cassie M.

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    We had a short time to close and they made it happen.

    - ANDREW A.

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    Amazing rate, great service, and easy to sign/review documents

    - Megan D.

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    Sam Fazio is great. I worked with San for two loans. Responsive and smart. He is terrific.

    - Richard C.

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    Communicative contacts throughout the process.

    - MICHELLE K.

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    Attention to detail as well as the individual.

    - Betty S.

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    Great communication, easy process, great experience.

    - M Troy M.

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    In these uncertain times, everyone we came in contact with tried their best to get our refi pushed through. Thank you!

    - ROBERT M.

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    Professional, respond quickly and mange the process/details very efficiently.

    - Richard P.

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    Great service. Made it very easy.

    - JOHN K.

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    Everyone at G-Rate has been so helpful numerous times for my husband and I. They put us at ease in time of worry and are very helpful in time of need and quick to respond to our questions.

    - PATRICIA C.

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    Everyone I worked with was helpful, efficient and friendly.

    - GREGORY P.

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    I've been very happy with everyone I've worked with: Jo Ann and her whole team. They have lead me step by step through the whole process, and are quick to answer my questions.

    - Kellie D.

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    They respond quickly, and the process for a refi or full mortgage is usually pretty easy.

    - BRIAN G.

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    Everything was spot on from day 1 to finish. Everyone was aligned, answered my questions quickly and electronic process was incredibly easy to use!

    - Snjezana D.

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    responsive and easy to work with

    - Laura H.

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    Rina and Sam have always gone out of the their way to help me and keep me informed. They answer all my questions and made me comfortable during the refinance process.

    - Daniel R.

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    Smooth process. Friendly team.

    - Alexander L.

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    The process is most efficient and JoAnn and her staff are all incredibly efficient and great at what they do.

    - Daria A.

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    The team was so efficient with all my questions and processing our loan quickly!

    - COLIN R.

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    Everyone I work with at GR is professional, friendly and knowledgeable. I trust them to do a great service for friends and family.

    - TERESE B.

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    Excellent service and very responsive

    - CHRISTOPHER G.

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    Fantastic service assured my friends will be well taken care of

    - CHRISTOPHER G.

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    Process could have gone smoother. To long a wait for the approval. Hope to ever have to do this again.

    - Gerald B.

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    step by step guidance and responsiveness of the team and systems

    - PATRICK F.

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    They always go above and beyond

    - JANE H.

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    They answered every question and the process could not have been smoother. Great dealing with the crew.

    - DAMIR T.

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    Hey check out the amazing review from Michael about Joann! “...Our experience was as easy as it could get it really was great. We could not ask for anything more,thank you very much Joann!

    - Michael C. Schaumburg, IL

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    Jo Ann have done outstanding work for me over the past several years. We have gotten first mortgages and refinanced with Jo Ann on several occasions, and have always gotten prompt, reliable service at great rates. I trust Jo Ann and would recommend them to anyone who is looking for a first mortgage or to refinance.

    - Adam B.

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    “Jo Ann and her team were very knowledgeable, friendly and straight to the point. It was a very smooth process and everyone had outstanding drive to get things done even for a smaller loan. Knowing we had some issues with the seller and some documents not being signed on their end, kept on top of it and with the assistance of my attorney everything ended very well! My Thanks to everyone who helped us feel like a regular customer!"

    - Nicholas K. Chicago, IL

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    “I was pleased that the representatives stayed in-touch throughout the whole process. They made sure that all of the paperwork was completed correctly and that we were all ready. Excellent customer service. First time dealing with a closing at home. It made the process much easier and less intimidating.”

    - Howard N. Buffalo Grove, IL

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    Jo Ann and her team have consistently given me the attention and sound advice that have made my home buying experience so much more enjoyable. I have worked with Jo Ann multiple times and I have always had a great experience and I highly recommend her and her team.

    - Shari H.

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    My wife and I recently worked with Jo Ann for the purchase of our new home and could not be happier. Jo Ann is a consummate professional and made the entire home loan process smooth and easy to navigate. Her team is outstanding and we would absolutely recommend her to anyone looking to refinance or purchase a home.

    - Chris M.

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    Astounding. If I were to sum up experience in one word with Jo Ann and her team it would be...Astounding. The experience for most people when purchasing their first property can be quite nerve-wrecking and daunting. Jo Ann helped to soothe those anxieties and made the process incredibly smooth. We started the process early hoping to purchase by the summer. Alas, the perfect property did not present itself until the fall. 13 days! It took 13 days from approval to clear to close. Again, astounding. I had to check my emails to make sure that the number was correct."

    - Aubrey W.

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    Jo Ann has helped my me with 3 new home purchases as well as 2 refinancing efforts. She's always been very responsive to any questions I've had, and went above and beyond in a few instances to help my wife and me get where we needed to be to purchase our latest home. She's built a very qualified and diligent team around her to help her customers get their loans approved and ready for closing. In my last home purchase, my attorney commented that he had never worked with a loan team as punctual/responsive. She's very professional and personable, which is a great combination"

    - Brian G.

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    My husband and I were able to obtain our first mortgage through GR and were very happy! When we decided to refinance there was no question about who to go to for the loan. Joann and everyone on her team were a pleasure to deal with and did a great job! Our refinance was very simple to complete because of their efforts. I would use them a third time!

    - Lisa G. Homer Glen, IL

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    Jo Ann Theriault-Fazio and her team were awesome! Everyone that I dealt with during the loan process was accessible, knowledgeable and determined to provide first-rate service. I am extremely grateful to JoAnn and her team for my experience and I enthusiastically recommend to anyone interested in purchasing a home!

    - Daniel P.

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    Jo Ann and her team far exceeded our expectations again! We have bought a total of 5 homes and have used Jo Ann for our last two home purchases. We are still amazed how well Jo Ann and her team (KC, Rina, plus numerous others) communicate so well and work so hard to meet and exceed our expectations each and every time. I have also been told both times by our realtor that the lenders fees are super low in comparison to other lenders. We are so grateful we found Jo Ann! We recommend her to all our friends when they are buying or refinancing a home.

    - Mary A.

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    I am very happy. They understood my situation and made everything work. But out of everyone Rina Keller was great to work with. She was always there to answer questions. She did a super job! Jo Ann is lucky to have her on the team.

    - Joseph K.

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    I needed a home loan and the whole team made it effortless for me. They were thorough, friendly, and easy to work with. I would HIGHLY recommend for any type of loan. They were FANTASTIC!!!

    - Deborah M.

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    The whole process from start to finish was stress free and simple. Jo Anne and her team are outstanding and are with you all the way from start to close. I would highly recommend for your mortgage and home insurance needs.

    - Daniel W.

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    It was great working with, quick, easy and very informative were we needed help. The online system for completing forms and key things was also a good addition and easy to use.

    - Alan W.

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    You made purchasing my first property less intimidating and was readily available throughout every step! I’d definitely recommend and use again for sure!

    - Carla W.

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    Jo Ann and her team were fantastic to work with. Everyone was highly professional and obviously highly experienced. They were very clear about each step we had to take, and staff were always available to answer questions and provide support. The entire process was handled with ease. We wouldn’t hesitate to recommend Jo Ann to anyone we know looking to secure a mortgage.

    - Mark F.

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    This is the second home I have used for and both experiences were very good. Jo Ann and her team provided options and acted quickly to get both homes closed in quickly.

    - Thomas E.

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    Made my first home buying experience as smooth as possible! They were easy to work with and were willing to do everything they had to in order to make sure I was ready to close quickly!

    - Emily T.

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    Was outstanding. The whole process was simple & fast. With the Covid19 virus pandemic upon us … the process (no contact) was spot on without any disruption to the financial service.

    - Daniel W.

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    This is the second time we have worked and each time it has been a seamless and easy transaction.

    - Katherine S.

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    I have worked with Jo Ann and her mortgage lending team for over 20 yrs. now and like all the previous times, my latest mortgage refinance was very easy and efficient. It was also an added benefit of being able to submit all documents electronically and sign via their web tool also. My loan closed quickly and during these pandemic times, in the comfort of my own home. I highly recommend Jo Ann and her mortgage team for your mortgage loan needs.

    - Eric & Beth S.

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    Jo Ann Theriault-Fazio NMLS ID: 112837 AZ AZ - 0912774, CA CA - CA-DOC112837, CO CO - 100032530, FL FL - LO7626, GA GA - 25344, IA IA - 18287, IL IL - 031.0001515, IN IN - 12506, MI MI - 112837, MN MN - MN-MLO-112837, MO MO - MO-112837, NC NC - I-148910, OH OH - MLO-OH.112837, SC SC - MLO - 112837, TN TN - 106728, TX TX - Licensed, WI WI - 727194
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