Privacy Policy
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The John Santorineos Group, Guaranteed Rate, Home Mortgage,, Quick Rate Quote

Your Privacy is Important
Our goal at Guaranteed Rate, Inc. is to provide you with the most valuable and professional service in the mortgage industry and to keep you as a customer for as long as you have mortgage lending needs. We understand that protecting your privacy is important. It is our obligation to keep all information about you secure and confidential. That is why we have established a Privacy Policy that protects the security of any public and nonpublic personal and financial information you provide to us. Below we have outlined our security practices with regard to protecting all of your personal information.

Information We Collect and Disclose
We collect, retain and use only the personal information that is absolutely necessary to process and service your mortgage loan. We may disclose personal information about you to a carefully selected group of service providers and third parties that assist us in the mortgage loan process. These parties include, but are not limited to, licensed credit reporting agencies, federal and state regulators, and payment coupon booklet vendors. We may also partner with and disclose information to unaffiliated third parties who offer ancillary products and services that we think may be of value to you. Before we disclose your information to them, we require these partners to adhere to strict standards regarding the security and confidentiality of customer information. In addition, we may disclose some limited information to real estate agents and/or home builders who are part of the loan transaction process. This data will include your name, address, the status of your loan, your loan number, loan amount and loan type. We will not disclose your income or credit information or your social security number. Finally, we may disclose information about you as required by law. Specifically, we collect and disclose information we receive from you on your loan application or other forms, such as your name, address and social security number, information about your past mortgage history with us or other lenders (such as your loan balance and payment history); and information we receive from a credit reporting agency, such as your creditworthiness and credit history. While we collect information about your income and assets, we only disclose this data to third parties who must have it for the loan decision-making process, such as investors (like Fannie Mae and Freddie Mac) and mortgage insurance companies.

Why You Can Feel Secure
We will not sell email lists or customer lists to third parties. We do not disclose any personal information about our former customer to anyone, except as permitted or required by law. Keeping your financial information secure is one of our most important responsibilities. We will permit access to personal information about you only to those employees of Guaranteed Rate who need to know that information in order to process and service your mortgage loan. These employees are committed to keeping your personal information safe and secure. We strive to maintain the accuracy of your information and will respond in a timely manner if you notify us that your information is not correct. We have implemented administrative, technical and physical safeguards to protect your information. These include setting policies and procedures for carefully handling customer data.

Information Security on the World Wide Web
We maintain the highest level of Internet security available to guard against the unauthorized access to and use of your information. We currently utilize Secure Socket Layer, a transaction encrypting protocol (format) that makes it virtually impossible for your information to be stolen or viewed. When you are asked to enter personal information on our web site, our systems automatically switch to "secure" mode. We use cookies to allow you to access personalized content on our site without having to enter the same information repeatedly. A cookie is a small amount of data, which includes an anonymous unique identifier that is sent to your browser from our site. Once you exit our web site or exit your web browser, the cookie expires. It does not remain on your computer hard drive. A cookie generated by our site contains no personal information about you and does not gather information from your computer about you.

Your Privacy Is Important
If you prefer that we not disclose nonpublic personal information about you to third parties that are not directly involved in the loan approval or servicing process, you may direct us not to make those disclosures available. This process of limiting our ability to share your information is called "opting out". *You may not opt out of disclosures that are permitted by law, for example, you may not prevent us from disclosing information in connection with a legal process or subpoena, or disclosing information to prevent fraud or to comply with a legally permitted inquiry by a governmental agency. Once you submit your loan application, a Guaranteed Rate/ Loan Officer will contact you to discuss your home financing needs. As part of the application process, you will receive an additional Privacy Policy notice that includes Guaranteed Rate's contact information if you decide that you would like to exercise your right to opt out. Again, protecting your privacy is important to us. If you have questions or concerns about our Privacy Policy, please send an email to

Notification Of Privacy Statement Changes:

We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Who Can I Contact For Privacy Related Issues?

You may contact us by mail at:
Guaranteed Rate, Inc.
Attn: Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613


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John Santorineos VP of Mortgage Lending at Guaranteed Rate, Inc. NMLS ID: 224511 State License Numbers: IL - 031.0000348 - MB 0005932

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