My approach is to spend a significant amount of time getting to know you so that I may custom fit financial solutions to your individual needs. You will find that I am extremely professional, a frequent communicator and I will maintain confidentiality about your transaction. Simply, I will focus all my attention on meeting your needs and your needs alone.  It is important that you know you are working with a person off absolute integrity and ethics. Licensed since 1988 I have been in the top 1 percent of loan agents in the country, and I am fortunate to say that I am one of the few who has funded over 2 billion dollars in loans.   I look forward to the opportunity of working with you.   Sincerely, Craig Thomason Vice President of Mortgage Lending at Guaranteed Rate

Craig Thomason is a highly experienced mortgage loan officer with over 30 years of experience in the mortgage industry. He is known for his in-depth knowledge of mortgage lending, exceptional customer service, and his ability to help clients find the best loan products to suit their individual needs.


Craig is a graduate of the University of Texas, where he earned his bachelor's degree in finance. He began his career in banking as a personal banker and quickly advanced to become a loan officer. Craig has worked for several leading banks and financial institutions throughout his career, and he has helped thousands of clients achieve their dream of homeownership.


Craig's expertise in mortgage lending includes conventional loans, FHA loans*, and jumbo loans. He takes a consultative approach with each client, taking the time to understand their financial goals and unique circumstances before recommending a loan product. Craig is committed to providing his clients with personalized service, and he works tirelessly to ensure that each loan application is processed efficiently and smoothly.


When he's not working, Craig enjoys spending time with his family, cooking gourmet meals, and riding his bike around Northern California.


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

VP of Mortgage Lending

Craig Thomason is your Chicago local lender. As a loan officer at Certainty Home Lending, Craig 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 Craig at (925) 998-3779 for more information!

Craig Thomason at Certainty Home Lending (NMLS #482407)

I started my career in lending over 30 years ago.  I never imagined it would take me on such an amazing journey!  Helping clients navigate the mortgage process in an ever changing market brings new challenges every day.  Nothing is more rewarding than getting a family into their new home or helping someone save hundreds of dollars on their monthly payments through the refinancing process*.  I take pride in assisting borrowers makes sense of this complicated process.  Buying a home is one of the largest financial decisions any family will make in their lifetime.  Understanding the challenges and how to solve critical issues is key to a smooth and successful closing.
* Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Guaranteed Rate, Inc. for current rates. Restrictions apply.

Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.


Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.


Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

Peter Pham is your Chicago local lender. As a loan officer at Certainty Home Lending, one of the largest retail mortgage lenders in the United States, Peter 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 Peter at (408) 260-5268 for more information!

Peter Pham at Certainty Home Lending (NMLS #662170)

Colin Garrity is your Chicago local lender. As a loan officer at Certainty Home Lending, Colin 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 Colin at (747) 999-4158 for more information!

Colin Garrity at Certainty Home Lending (NMLS #663699)

Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.



Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.



Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

James Cho is your Chicago local lender. As a loan officer at Certainty Home Lending, James 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 James at (773) 739-5111 for more information!

James Cho at Certainty Home Lending (NMLS #784929)

Divisional Manager

Shadi Kamran is your Chicago local lender. As a loan officer at Certainty Home Lending, Shadi 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 Shadi at (773) 290-0569 for more information!

Shadi Kamran at Certainty Home Lending (NMLS #663711)

Jennifer Zavat is your Chicago local lender. As a loan officer at Certainty Home Lending, Jennifer 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 Jennifer at (773) 290-0569 for more information!

Jennifer Zavat at Certainty Home Lending (NMLS #1554442)

Chris Preston is your Chicago local lender. As a loan officer at Certainty Home Lending, Chris 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 Chris at (714) 323-8825 for more information!

Chris Preston at Certainty Home Lending (NMLS #490895)

Jon Farook is your Chicago local lender. As a loan officer at Certainty Home Lending, Jon 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 Jon at (310) 402-2234 for more information!

Jon Farook at Certainty Home Lending (NMLS #663702)

As a Producing Branch Manager based in Englewood, CO, I am passionate about helping individuals and families navigate the often complex world of mortgage lending and real estate. With years of experience in the industry, I have honed my skills in crafting personalized home financing strategies that align with the unique needs and goals of my clients. Whether you are a first-time homebuyer, a seasoned homeowner, or a real estate professional, I am dedicated to providing innovative solutions and expert guidance to make your journey as seamless and stress-free as possible.


I take great pride in my ability to build lasting relationships with clients and partners alike. I believe that trust, communication, and attention to detail are the cornerstones of successful collaboration. By taking the time to truly understand my clients' financial goals and aspirations, I am able to deliver tailored solutions that empower them to achieve their dreams of homeownership.


My extensive knowledge of the mortgage and real estate markets enables me to stay ahead of industry trends and anticipate challenges before they arise. This proactive approach not only sets my clients up for success but also strengthens the partnerships I have cultivated with real estate agents, financial advisors, and other professionals in the field. Together, we work as a team to deliver exceptional service and results.


As a leader, I am committed to fostering a culture of growth and collaboration within my team. I believe that by mentoring and supporting each team member, we can collectively raise the bar for the level of service we provide to our clients. I am constantly seeking opportunities to improve processes, implement innovative tools, and ensure that my team has the resources they need to excel.


When I'm not working, I enjoy golfing, skiing, skydiving, and playing ice hockey. These activities help me stay grounded and remind me of the importance of creating a work-life balance for myself and those around me.


I am thrilled to bring my passion, expertise, and dedication to Certainty Home Lending, where I look forward to continuing to make a positive impact in the lives of my clients and the communities we serve.


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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Producing Branch Manager

Jeff Bishop is your local Colorado lender. As a loan officer at Certainty Home Lending, Jeff 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 Jeff at (303) 990-4794 for more information!

Jeff Bishop at Certainty Home Lending (NMLS #850349)

Gretzel Hunt is your Chicago local lender. As a loan officer at Certainty Home Lending, Gretzel 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 Gretzel at (949) 696-2004 for more information!

Gretzel Hunt at Certainty Home Lending (NMLS #256851)

With over 18 years of experience in the mortgage industry, I'm dedicated to helping people achieve their homeownership dreams. I take pride in offering personalized, thoughtful service, from pre-qualification through to a smooth, on-time closing. I'm here to ensure that your journey through the mortgage process is seamless, transparent, and most importantly, tailored to your specific needs.


When I'm not guiding clients through the mortgage process, you can find me enjoying the beautiful California Bay Area or Carmel-by-the-Sea with my wife Nicole and our dog Larry. Outside of work, I stay active with basketball and golf and am a proud fan and supporter of my Alma Mater, Saint Mary's College of California's basketball program.


Buying a home is one of the most important investments you'll ever make, and I'm dedicated to making this process as smooth and rewarding as possible. I'd love the opportunity to earn your trust and help you move closer to your homeownership goals. Let's get started today, click "Apply Now," or reach out to me directly by phone or email to schedule a time to chat. I look forward to assisting you in financing your home!


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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Brett VanderGeest is your Chicago local lender. As a loan officer at Certainty Home Lending, Brett 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 Brett at (773) 290-0569 for more information!

Brett VanderGeest at Certainty Home Lending (NMLS #851286)

With over 20 years of experience in the mortgage industry, Jose Garcia is a trusted leader in home financing solutions for clients throughout the San Francisco Bay Area and beyond. As VP of Mortgage Lending, Jose specializes in helping homebuyers, homeowners, and real estate investors navigate the dynamic and competitive Bay Area real estate market with confidence and ease.


Jose's extensive knowledge of conventional, jumbo, FHA, VA*, and non-QM loan programs allows him to tailor mortgage solutions to meet the unique needs of every client. Whether assisting first-time homebuyers looking to secure their dream home, helping seasoned homeowners refinance, or guiding investors expanding their real estate portfolios, Jose provides expert advice and seamless service at every stage of the home financing journey.


Based in the heart of the Bay Area, Jose understands the fast-paced nature of the local housing market and stays ahead of trends to offer strategic guidance and competitive loan options. His commitment to clear communication, personalized service, and timely closings has earned him a strong reputation among clients, real estate agents, and business partners alike.


If you're looking to buy, refinance, or invest in real estate in San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, or anywhere across California, Jose is your dedicated mortgage expert ready to help you achieve your goals.


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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

VP_DE_PRéSTAMOS_HIPOTECARIOS

Jose Antonio Garcia is your Chicago local lender. As a loan officer at Certainty Home Lending, Jose 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 Jose at (510) 209-3531 for more information!

Jose Antonio Garcia at Certainty Home Lending (NMLS #453338)

With over 30 years of experience in the mortgage industry, Michael Leiva is a seasoned and trusted mortgage professional serving homebuyers, homeowners, and real estate investors across Chicago and beyond. As Vice President of Mortgage Lending, Michael is committed to delivering tailored financing solutions and an exceptional client experience—whether you're purchasing your first home, upgrading, refinancing, or expanding your investment portfolio.


Throughout his decades-long career, Michael has guided clients through the full spectrum of mortgage programs, including conventional, FHA, VA*, jumbo, and non-QM loans. His in-depth understanding of the Chicago housing market, combined with a steady hand and customer-first approach, ensures his clients are empowered to make confident, informed decisions in today's fast-paced real estate environment.


Michael prides himself on clear communication, personalized service, and building strong relationships with clients and real estate partners alike. His goal is simple: to make the mortgage process as smooth, transparent, and successful as possible from start to finish.


If you're looking to buy, refinance, or invest in property in the Chicagoland area or throughout the state of Illinois, Michael Leiva is here to help you move forward with certainty.


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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

Michael Leiva is your Chicago local lender. As a loan officer at Certainty Home Lending, Michael 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 Michael at (773) 290-0569 for more information!

Michael Leiva at Certainty Home Lending (NMLS #224400)

Taylor Williams brings a unique perspective to the home financing process. With a strong foundation in mortgage operations and loan processing, she understands both the technical details and the personal milestones involved in buying a home. Now, as VP of Mortgage Lending, Taylor leverages her end-to-end knowledge of the loan process to guide clients with clarity, care, and confidence.


Based in North Carolina and also serving Maryland, Taylor works with homebuyers and homeowners to deliver mortgage solutions that align with their goals—whether it's a first home, a refinance, or a new investment. Her operational background allows her to anticipate and address potential challenges early, making the mortgage journey more efficient and less stressful for her clients.


Taylor is passionate about creating a positive, transparent experience, where every borrower feels informed and supported from pre-approval through closing. She's committed to making homeownership achievable and straightforward in today's dynamic real estate markets.


If you're looking for a loan officer who understands the full picture and puts your needs first, Taylor Williams is here to help you move forward—confidently and with Certainty.


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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Taylor Williams is your Chicago local lender. As a loan officer at Certainty Home Lending, Taylor 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 Taylor at (252) 596-0955 for more information!

Taylor Williams at Certainty Home Lending (NMLS #2664122)

With over a decade of experience in real estate finance, Adam Le Blanc is dedicated to helping clients to achieve their homeownership and financial goals. As VP of Mortgage Lending, Adam combines his expertise in loan origination, customer relationship management, and strategic financial planning to deliver mortgage solutions tailored to each client's unique needs.


Adam believes a mortgage is far more than just debt. It's one of the most powerful financial tools available. He works with first-time homebuyers, move-up buyers, and seasoned investors to structure mortgages that don't just secure homes but also create opportunities for achieving financial goals. By helping clients reposition equity, uncover hidden savings*, and increase liquidity, Adam empowers them to leverage their homes as investments that contribute to their overall financial growth.


Known for his forward-thinking approach and passion for client education, Adam takes the time to show borrowers how their mortgage can be a catalyst for meeting both personal and financial goals. Whether guiding a family through their first, advising a homeowner on refinancing, or helping investors grow their real estate portfolios, Adam strives to make the mortgage process seamless, transparent, and impactful. For Adam, success is more than closing loans. It's about helping clients see the bigger picture and use real estate as a vehicle for financial freedom. Adam is well-versed in working with clients who have unique and complicated scenarios, such as sophisticated income streams or challenging financial situations.


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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.


*Savings, if any, vary based on the consumer's credit profile, interest rate availability, and other factors. Contact Certainty Home Lending for current rates. Restrictions apply.

Adam Le Blanc is your Chicago local lender. As a loan officer at Certainty Home Lending, Adam 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 Adam at (424) 324-5010 for more information!

Adam Le Blanc at Certainty Home Lending (NMLS #1903355)

AVP, Mortgage Lending

Brooke Dimino is your Chicago local lender. As a loan officer at Certainty Home Lending, Brooke 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 Brooke at (773) 290-0569 for more information!

Brooke Dimino at Certainty Home Lending (NMLS #1533927)

Tom Miner is your Chicago local lender. As a loan officer at Certainty Home Lending, Tom 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 Tom at (469) 200-2860 for more information!

Tom Miner at Certainty Home Lending (NMLS #183637)

Todd Bowser is your Chicago local lender. As a loan officer at Certainty Home Lending, Todd 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 Todd at (770) 200-2830 for more information!

Todd Bowser at Certainty Home Lending (NMLS #155691)

Amar Chadha is your Chicago local lender. As a loan officer at Certainty Home Lending, Amar 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 Amar at (702) 214-1023 for more information!

Amar Chadha at Certainty Home Lending (NMLS #180824)

Jairo Figueroa is a bilingual mortgage professional dedicated to helping individuals and families achieve homeownership throughout Phoenix and the greater Arizona real estate market. As Vice President of Mortgage Lending, Jairo specializes in serving both English- and Spanish-speaking homebuyers with personalized mortgage solutions, trusted guidance, and a strong commitment to community.


Fluent in Spanish, Jairo is passionate about educating and empowering Hispanic and Latino homebuyers as they navigate the mortgage process. He understands the importance of clear communication and works closely with clients to ensure they feel informed and confident every step of the way. Whether assisting first-time homebuyers, growing families, or real estate investors, Jairo provides tailored lending strategies designed to support long-term financial goals.


Known for his responsive communication, client-first approach, and passion for helping others succeed, Jairo believes homeownership is one of the most powerful tools for achieving financial goals and stability.


If you are looking for a knowledgeable bilingual loan officer in Phoenix or anywhere across Arizona, Jairo Figueroa is ready to help you achieve your homeownership goals with confidence and clarity.


*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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*

Jairo Figueroa is your Chicago local lender. As a loan officer at Certainty Home Lending, Jairo 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 Jairo at (520) 433-9173 for more information!

Jairo Figueroa at Certainty Home Lending (NMLS #2652592)

Area Manager

Sean Christensen is your Chicago local lender. As a loan officer at Certainty Home Lending, Sean 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 Sean at (702) 216-5605 for more information!

Sean Christensen at Certainty Home Lending (NMLS #947735)

SVP, Regional Manager - Producing

Vijay Lala is your Chicago local lender. As a loan officer at Certainty Home Lending, Vijay 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 Vijay at (773) 290-0569 for more information!

Vijay Lala at Certainty Home Lending (NMLS #1155633)

Dalana Thomas serves as VP Mortgage Lending and brings more than 30 years of experience in the mortgage and home financing industry. Built on hard work, trust, and a handshake-is-your-word approach, her career has centered on helping clients confidently navigate one of life's biggest investments.


At Certainty Home Lending, Dalana combines deep industry knowledge with a practical, people-first style. Her experience spans mortgage lending, relationship management, and guiding clients toward lending solutions that support long-term financial goals. Known for staying steady through changing markets and keeping the process straightforward, she has built lasting relationships through reliability, integrity, and personal service.


Proudly rooted in strong family values, Dalana comes from a military family and carries deep respect for service and commitment. She is especially proud that two of her children are serving our country in the United States Navy, a reflection of the dedication, discipline, and love of country that are important to her family.


Outside of work, Dalana embraces a true Western lifestyle and enjoys hunting, fishing, the rodeo world, and traveling across the globe. Above all, she treasures time with her family and considers being a proud Grammy one of life's greatest blessings.  
With a foundation built on experience, grit, service, family, and genuine relationships, Dalana continues to lead with heart while helping others build strong futures and lasting legacies.  
*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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*

Dalana Thomas is your Chicago local lender. As a loan officer at Certainty Home Lending, Dalana 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 Dalana at (702) 214-1011 for more information!

Dalana Thomas at Certainty Home Lending (NMLS #370789)

Emily is a Mortgage Loan Officer dedicated to helping families achieve their homeownership goals throughout NC and AL. As a military spouse, Emily has firsthand experience with the challenges and excitement that come with relocating often and finding a new place to call home.


With personal ties and experience living in both the Fort Bragg and Fort Rucker area, Emily has a passion for serving the communities she knows and loves. Emily is committed to making the mortgage process simple, stress free and easy to understand.


Whether you're buying your first home, relocating, or looking for your next chapter, Emily provides personalized guidance and support every step of the way.


*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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*

Emily Riofrio is your Chicago local lender. As a loan officer at Certainty Home Lending, Emily 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 Emily at (910) 299-8310 for more information!

Emily Riofrio at Certainty Home Lending (NMLS #2493790)

Producing Sales Manager, SVP of Mortgage Lending

Troy Williamson is your Chicago local lender. As a loan officer at Certainty Home Lending, Troy 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 Troy at (910) 473-5700 for more information!

Troy Williamson at Certainty Home Lending (NMLS #117934)

Chicago

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25 Loan Officers Chicago, IL