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We build long-term relationships with our clients. We build trust. But don't take our word for it. Find a series of personal testimonials from some of our cherished clients and friends or write a review now. Testimonials Write testimonials We build long-term relationships with our clients. We build trust. But don't take our word for it. Below you'll find a series of personal testimonials from some of our cherished clients and friends: P R Sep 1, 2023 I would highly recommend using Gabe Huerta and the team at One Republic Mortgage. We are more than happy with the level of service, attention to detail, and professionalism displayed throughout the entire process. They took a complicated process and made it very simple and easy to understand when it comes to financing our home purchase. Gabe and his team consistently went out of their way to make sure everything went smoothly during the entire process. Additionally, we were very pleased with the rate we were able to obtain, especially in this crazy market. We have used One Republic Mortgage in prior transactions and will continue to do so. The level of execution is phenomenal. Would recommend it to family and friends. Guzala Jul 27, 2023 We have worked with Andrew Fridman at One Republic Mortgage several times to refinance our home and investment properties. And we have always been happy. Professional with good knowledge and easy to communicate with. Attentive to our questions, always clearly explains each step of the process. I highly recommend his service to my friends and anyone who doesn’t want to make the wrong choice. Tania Fernanda Gantiva Vanegas Jun 29, 2023 One Republic Mortgage is an exceptional entity, providing excellent service and companionship in every step of the way. They made me feel a part of their family and they were very attentive to all my questions and needs to help me accomplish one of my main goals, which is to be owner of my own dream house. I would like to give a special appreciation to the whole team that brought me peace. Emily S. Jun 16, 2023 One Republic Mortgage has been a lifesaver for me! Their exceptional service, expert advice (from Mark Kelner), and seamless process made my home-buying experience stress-free. From start to finish, they guided me through every step, ensuring I got the best mortgage deal. I highly recommend their services to anyone in need of a mortgage. Lisa Thompson Feb 6, 2023 As a satisfied customer of One Republic Mortgage in Arlington Heights, IL, I cannot emphasize enough how they transformed my mortgage experience into a stress-free and seamless journey. From the moment I reached out to them until the closing day, their team went above and beyond to ensure my satisfaction and exceed my expectations. I wholeheartedly recommend One Republic Mortgage in Arlington Heights, IL, for anyone seeking a mortgage. Emily and David L. Jul 19, 2022 Choosing One Republic Mortgage was the best decision we made while buying our first home in Buffalo Grove, IL. Their transparent communication, low rates, and seamless processing took the stress out of the mortgage process. Highly recommend! Lana B. Mar 22, 2022 Michael was very helpful. He explained all aspects of getting a mortgage to me, in simple terms, he showed where all the fees come from, and he answered all my questions in very timely manner. He helped me gather all needed documents, followed up with my employer and all attorneys. He communicated with me consistently and walked me through the process with out pain. I will recommend Michail to all my family and friends who need a mortgage specialist. Erin McNamee Nov 12, 2021 My fiancé and I purchased our first home last year and going in we didn't understand anything about the mortgage process. Barry was so knowledgeable and attentive and made us feel comfortable and more educated. Everything went smoothly, and he found us the lowest possible interest rate. We couldn't have asked for a better experience. One Republic Mortgage made us feel like we were one of their top clients. Lou Ann L. Oct 19, 2021 Barry was excellent and explained every question I had. He made me feel important. Never made me feel like I didn't know what I was doing. I only have nice to things to say about my loan officer. Very good at what he does. Loan processor (Barry) was also excellent. Traci Houston Sep 1, 2021 Gabriel helped my husband and I buy our first home, and then 8 years later buy our second. He did everything she could to get the process done quickly and make sure I knew what I was getting into. Every document that was signed, she explained to me. As a 19 year old first time home buyer, the process was scary and confusing. Gabriel made me feel at ease. When it is time for me to move on from this home, I will be contacting him again! Sarah and Mark T May 12, 2021 One Republic Mortgage made our home-buying process in Arlington Heights, IL, an absolute breeze! Their team's expertise and dedication ensured we got the best mortgage deal possible. Thank you for helping us achieve our dream home! Michelle and Brian C Nov 16, 2020 Five stars to One Republic Mortgage for their outstanding service in Northbrook! Their knowledgeable staff made the complexities of mortgage financing seem simple. Thanks to them, we are now proud homeowners. View More Write on Google

We make home buying or refinancing simple. Better rates mean you save money. Close your loan in weeks, not months, with a low rate and a mortgage solution that fits your needs. Service Areas One Republic Mortgage prides itself on our boutique-style approach, allowing us to devote personal attention to every case, placing the needs of our clients above all else. ORM is a customer-centric organization. This customer-first culture impacts everything we do. It drives the way we work and the way we interact with each other while maintaining a laser focus on our clients. Arlington Heights Arlington Heights is a town in Illinois with a population of 77,676. Arlington Heights is in Cook County and is one of the best places to live in Illinois. Living in Arlington Heights offers residents an urban suburban mix feel, and most residents own their homes. Read more Buffalo Grove Buffalo Grove is a suburb of Chicago with a population of 43,212. Buffalo Grove is in Lake County and is one of the best places to live in Illinois. Living in Buffalo Grove offers residents an urban suburban mix feel and most residents own their homes. Read more Des Plaines Des Plaines is a town in Illinois with a population of 60,675. Des Plaines is in Cook County and is one of the best places to live in Illinois. Living in Des Plaines offers residents an urban suburban mix feel and most residents own their homes. Read more Glenview Glenview is a suburb of Chicago with a population of 49,000. Glenview is in Cook County and is one of the best places to live in Illinois. Living in Glenview offers residents a dense suburban feel and most residents own their homes. Read more Highland Park Highland Park is a suburb of Chicago with a population of 30,176. Highland Park is in Lake County and is one of the best places to live in Illinois. Living in Highland Park offers residents a dense suburban feel and most residents own their homes. Read more Mundelein Mundelein is a suburb of Chicago with a population of 30,176. Mundelein is in Lake County and is one of the best places to live in Illinois. Living in Mundelein offers residents a dense suburban feel and most residents own their homes. Read more Northbrook Northbrook is a suburb of Chicago with a population of 35,222. Northbrook is in Cook County and is one of the best places to live in Illinois. Living in Northbrook offers residents a dense suburban feel and most residents own their homes. Read more Palatine Palatine is a suburb of Chicago with a population of 67,908. Palatine is in Cook County and is one of the best places to live in Illinois. Living in Palatine offers residents an urban suburban mix feel and most residents own their homes. Read more Schaumburg Schaumburg is a town in Illinois with a population of 74,194. Schaumburg is in Cook County and is one of the best places to live in Illinois. Living in Schaumburg offers residents an urban suburban mix feel and most residents own their homes. Read more Wheeling Wheeling is a suburb of Chicago with a population of 39,137. Wheeling is in Cook County and is one of the best places to live in Illinois. Living in Wheeling offers residents an urban suburban mix feel and most residents own their homes. Read more

Arlington Heights is a town in Illinois with a population of 77,676. Arlington Heights is in Cook County and is one of the best places to live in Illinois. Living in Arlington Heights offers residents an urban suburban mix feel, and most residents own their homes. Service Area Arlington Heights < Back to all areas About Arlington Heights 0 Population 77,676 Median Household Income $96,340 Median Home Value $358,300 $1,368 Median Rent Arlington Heights is a municipality in Cook County with a small portion in Lake County in the U.S. state of Illinois. A suburb of Chicago, it lies about 25 miles northwest of the city's downtown. Per the 2020 Census, the population was 77,676. The Village is one of the top 15 largest municipalities in Illinois, featuring a unique blend of old and new. It’s a progressive community that people are proud to call home and where young families like to establish their roots for generations to come. It’s a community that offers vibrancy and interest. Arlington Heights is an attractive destination for homebuyers, shoppers, businesses and visitors with its dynamic economy, award-winning schools, library, park district, a highly acclaimed Northwest Community Hospital. One Republic Mortgage in Arlington Heights, Illinois One Republic Mortgage, an Illinois lender and longtime servicer of Arlington Heights, Illinois home sellers as well as buyers. The company prides itself on the boutique-style approach, allowing its team to devote personal attention to every file, placing the needs of our clients above all else. ORM offers the best and most competitive mortgage interest rates for on the market. Transparency, integrity, and honesty are above all else when presenting the best home loan options for each individual situation. The company leadership as well as the entire staff strive towards a customer-centric approach. Public Schools These are some of the top-rated public schools in Arlington Heights based on a variety of measures, including academic performance and equity. Shopping Arlington Heights offers great variety for your retail experience. There are over 4.0 million square feet of retail space to meet the needs of today’s diverse shopping wants and desires. Arlington Heights shopping centers provide upscale architecture with attractive landscaping and pedestrian friendly design. There is also a diverse merchandise mix and abundant free parking. Dining Arlington Heights, IL offers a unique combination of popular and well-known favorites, with the opportunity to discover a new favorite at one of our many independently owned restaurants or shops. www.opentable.com/features/best-casual-restaurants-arlington-heights-il Arlington Heights Farmers Market Starting Saturday, May 15 (8 a.m.-12:30 p.m.) through October 16, a bustling market full of the seasons local fresh produce, artisanal cheese, homemade pastries, freshly roasted coffee, hot breakfast foods, handmade goods, and much more comes to life in commuter parking lot across from the Arlington Heights Historical Museum on Vail Ave. and Fremont St. Housing The Planning & Community Development Department administers, provides, and supports a variety of housing and community development service programs that are aimed to address the housing and community development service needs of the residents of Arlington Heights, Illinois. Many programs and activities are targeted toward low and moderate-income individuals and households. The goal is to maintain a variety of housing options, including affordable housing opportunities, and to maintain a high quality of life in the community. The Housing division is engaged in planning for the community’s housing and development needs, applying for and administering federal and state grants, and directly implementing housing programs and initiatives. www.vah.com/village_services/housing_programs Healthcare and Hospitals Arlington Heights is committed to serving the needs of the community through disability, environmental health, social, nursing, and senior services, as provided through the Health & Human Services department in an effort to produce and maintain an environment that provides optimum health, safety, comfort and well-being, now and for future generations. Transportation Arlington Heights is in a great location with an excellent transportation infrastructure and convenient access to Chicago and O’Hare International Airport. The Village’s two train stations provide commuters Metra service to Chicago in just over 30 minutes during rush hour. Pace bus services are also available. Arlington Heights is a municipality in Cook County with a small portion in Lake County in the U.S. state of Illinois. A suburb of Chicago, it lies about 25 miles northwest of the city's downtown. Per the 2020 Census, the population was 77,676. The Village is one of the top 15 largest municipalities in Illinois, featuring a unique blend of old and new. It’s a progressive community that people are proud to call home and where young families like to establish their roots for generations to come. It’s a community that offers vibrancy and interest. Arlington Heights is an attractive destination for homebuyers, shoppers, businesses and visitors with its dynamic economy, award-winning schools, library, park district, a highly acclaimed Northwest Community Hospital. As a Chicagoland's mortgage lending company, we are able to meet with clients nearby: Addison | Bannockburn | Barrington | Bensenville Bloomingdale | Bridgeview | Glencoe | Chicago | Crystal Lake Deer Park | Deerfield | Evanston | Elmhurst and many other cities. < Back to all areas Connect with Your Loan Specialist Apply for a Loan Now Get Pre-Approved Read our Blog Integrating Environmental Sustainability in Mortgages Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. Financing Mark Kelner Oct 25, 2023 18 Post not marked as liked Building Long-Term Client Relationships for Referrals Building long-term client relationships is essential for generating referrals, as satisfied and loyal clients are more likely to recommend Business Mark Kelner Oct 24, 2023 16 Post not marked as liked The Pros and Cons of Adjustable-Rate Mortgages (ARMs) Adjustable-rate mortgages are a type of home loan where the interest rate fluctuates over time based on changes in a specified financial Lending Gabriel Huerta Oct 23, 2023 15 Post not marked as liked

Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. Mortgage lenders can play a significant role in supporting environmentally friendly initiatives and empowering homeowners to make eco-conscious decisions. Here are some ways that mortgage practices can be aligned with environmental sustainability: Green Mortgage Incentives: Offer "Green Mortgages" that provide financial incentives for homebuyers to purchase energy-efficient and eco-friendly homes. These mortgages could include lower interest rates, reduced down payment requirements, or increased borrowing limits for properties with green certifications like LEED (Leadership in Energy and Environmental Design) or ENERGY STAR. Learn more about our Green Mortgage options here. Eco-friendly Home Evaluations: Encourage borrowers to assess the environmental impact of their prospective properties. This could involve collaborating with environmental organizations or providing resources to evaluate a home's energy efficiency, water usage, and carbon footprint. By educating borrowers about these factors, they can make more informed decisions about their purchases. Financing for Energy-Efficient Upgrades: Develop programs that enable borrowers to finance energy-efficient upgrades to their homes. This could include solar panel installations, energy-efficient windows, insulation improvements, and energy-efficient HVAC systems. These upgrades not only reduce the home's environmental impact but also lower utility bills, making the investment financially attractive. Green Building Initiatives: Support sustainable construction practices by partnering with builders and developers who prioritize environmentally friendly construction methods and materials. By offering favorable financing terms to such projects, lenders can promote sustainable building practices and contribute to the growth of green communities. Education and Outreach: Educate borrowers about sustainable homeownership and the benefits of environmentally friendly practices. This could include providing resources on water conservation, waste reduction, energy-saving tips, and information about local green initiatives. Empowering homeowners with knowledge can foster a culture of sustainability and encourage them to adopt green habits. Carbon Offset Options: Explore the possibility of incorporating carbon offset programs into mortgage offerings. Allow borrowers to offset a portion of their mortgage-related carbon emissions by contributing to verified carbon reduction projects or reforestation efforts. Green Appraisal and Valuation: Encourage appraisers to consider the environmental impact of a property during valuation. Homes with eco-friendly features and sustainable design should be given appropriate recognition and potentially higher appraisals. Collaboration with Green Organizations: Partner with environmental organizations and nonprofits to support sustainable initiatives. This collaboration can involve donations, community projects, or joint awareness campaigns. Internal Sustainability Efforts: Ensure that the mortgage company itself follows sustainable business practices. This could include implementing energy-efficient technologies, reducing paper waste, and promoting eco-friendly workplace policies. By incorporating environmental sustainability in mortgage practices, lenders can make a positive impact on the environment while also attracting eco-conscious borrowers who prioritize green initiatives. As more individuals and businesses commit to sustainable practices, we can collectively work towards a more sustainable and resilient future.

Building long-term client relationships is essential for generating referrals, as satisfied and loyal clients are more likely to recommend your services to others. Here are some strategies to cultivate strong relationships and encourage referrals: Deliver Outstanding Service: Providing exceptional service should be your top priority. Go above and beyond to meet your client's needs and expectations. By consistently delivering outstanding results, you'll create a positive impression that clients will be eager to share with others. Effective Communication: Keep the lines of communication open and transparent. Listen actively to your client's concerns, questions, and feedback. Promptly address any issues that arise and ensure your clients feel valued and heard throughout the process. Personalize the Experience: Treat each client as an individual with unique needs and preferences. Tailor your services to suit their specific requirements, and make them feel special by remembering important details about their lives or businesses. Regular Follow-Ups: Stay in touch with your clients even after the completion of a project. Regular follow-ups show that you care about their success and well-being. Send personalized emails, make courtesy calls, or schedule occasional meetings to discuss their ongoing needs. Provide Value: Offer valuable content and insights through newsletters, blog posts, or social media. By sharing relevant information and demonstrating your expertise, clients will see you as a trusted resource, increasing the likelihood of referrals. Loyalty Programs: Loyalty programs are an effective way to build long-term client relationships for referrals. To achieve this, understand your client's needs, offer personalized rewards for consistency, use tiered systems to encourage ongoing engagement, simplify enrollment, communicate through various channels, acknowledge special occasions, and incentivize referrals. Ask for Feedback: Request feedback from your clients about their experience working with you. Not only does this show that you value their opinions, but it also provides an opportunity to identify areas for improvement. Resolve Issues Promptly: If any problems arise, address them promptly and professionally. Handling issues with care and efficiency can turn a negative situation into a positive one and strengthen the client's trust in your abilities. Express Gratitude: Show appreciation for your client's business and referrals. A simple thank-you note or token of appreciation can go a long way in strengthening the bond and encouraging clients to recommend your services to others. Stay Top of Mind: Maintain regular contact with your clients through newsletters, holiday greetings, or updates about your business. By staying top of mind, clients are more likely to remember your services when they encounter someone in need of them. Network and Collaborate: Attend industry events, join professional associations, and network with other businesses. Collaborating with complementary service providers can lead to mutual referrals and expand your client base. Remember, building long-term client relationships for referrals is an ongoing process. It requires dedication, consistency, and a genuine desire to provide value and exceed expectations. Over time, these efforts will pay off, and your satisfied clients will become your best advocates, bringing in new business through word-of-mouth referrals.

Adjustable-rate mortgages (ARMs) are a type of home loan where the interest rate fluctuates over time based on changes in a specified financial index. Unlike fixed-rate mortgages, ARMs offer both advantages and disadvantages to borrowers. Here's a breakdown of the pros and cons: Pros of Adjustable-Rate Mortgages (ARMs): Lower initial rates: One of the main benefits of ARMs is that they often come with lower initial interest rates compared to fixed-rate mortgages. This can make homeownership more affordable in the early years, especially for those who plan to move or refinance before the rate adjusts. Rate adjustment periods: ARMs typically have predetermined rate adjustment periods, such as one, three, five, or seven years. During the initial fixed-rate period, borrowers can enjoy stability, knowing that their interest rate and monthly payments won't change. Short-term ownership: For those who don't plan to stay in their home for an extended period, an ARM can be a strategic choice. If you anticipate moving within a few years, the lower initial rate might save you money during your ownership. Refinancing opportunities: Some borrowers choose ARMs with the intention of refinancing before the rate adjusts. If interest rates have declined since taking out the mortgage or if the borrower's credit has improved, they may be able to secure a lower fixed rate through refinancing. Interest rate caps: ARMs often come with interest rate caps to protect borrowers from drastic rate increases. These caps limit how much the rate can rise during each adjustment period and over the life of the loan. Cons of Adjustable-Rate Mortgages (ARMs): Rate volatility: The most significant disadvantage of ARMs is the uncertainty of future interest rates. If the financial index on which the ARM is based increases, borrowers could experience higher monthly payments, potentially making it difficult to budget and plan for the future. Payment shock: When the rate adjusts, borrowers may experience payment shock if their monthly payments increase significantly. This sudden increase can lead to financial strain and make it challenging for some homeowners to keep up with their mortgage obligations. Refinancing risk: Economic conditions, creditworthiness, and other factors may impact a borrower's ability to refinance when the rate adjusts. If interest rates have risen, it might be challenging to secure a lower rate, leaving the borrower stuck with higher monthly payments. Longer-term ownership uncertainty: If homeowners end up staying in their homes longer than anticipated, the adjustable nature of the mortgage can lead to increased uncertainty about future payments, making long-term budgeting more difficult. Complexity: ARMs can be more complex than fixed-rate mortgages, with different rate adjustment periods, index calculations, and caps. Borrowers must thoroughly understand the terms and conditions of the ARM to make informed decisions about their financial future. In conclusion, Adjustable-Rate Mortgages can offer lower initial rates and short-term affordability, making them attractive to certain borrowers. However, the potential for rate volatility and payment shock, as well as the complexity involved, should be carefully considered before choosing an ARM. It is essential for borrowers to evaluate their financial situation, long-term plans, and risk tolerance to determine whether an ARM is the right fit for their homeownership needs. Contact One Republic Mortgage today to speak with our experienced professionals. Your financial future matters to us, and we're here to guide you every step of the way.