NMLS #428169 · Frankfort, IL

Your home loan deserves the same care you put into choosing it

I bring clarity to every step of the mortgage process — from first conversation to closing day — so you can move forward with confidence.

Start Your Loan Journey Explore Services
What I Offer

Mortgage solutions built around you

Every borrower has a different story. I tailor my approach to match your goals, timeline, and comfort level.

First-Time Buyers

Navigating your first mortgage can feel overwhelming. I walk you through every option — from down payment assistance to streamlined programs — until the path forward is clear.

Refinancing

Whether you want a lower rate, shorter term, or to pull out equity, I run the numbers with you honestly — no pressure, just a clear picture of what makes sense.

Jumbo Loans

Conforming loan limits don't cover every home. I specialize in jumbo financing with competitive terms and a streamlined underwriting process.

VA & FHA Loans

Veterans and first-time buyers deserve programs built for them. I guide you through VA and FHA options so you get the best terms you qualify for.

Rate Locks & Strategy

Timing matters. I help you understand when to lock, when to float, and how to position your loan for the strongest possible rate.

Pre-Approval

A strong pre-approval sets you apart in any market. I make the process quick and straightforward so you can shop with confidence and credibility.

Thea Valiga, mortgage lender in Frankfort, IL
About Me

Experience that shows up in every detail

I've spent my career helping people in Frankfort and the greater Chicago area navigate one of the most important financial decisions they'll make. Mortgage lending isn't just a transaction to me — it's about understanding where you are, where you want to go, and building a plan that actually fits your life.

At Guaranteed Rate, I have access to a wide range of loan products and competitive pricing, but what really sets the experience apart is the personal attention you get. You'll work directly with me from start to finish — no hand-offs, no runaround.

NMLS #428169

Licensed mortgage lender

Frankfort, IL

Locally based & available

How It Works

A clear path from inquiry to closing

No surprises, no hidden steps. Here's what to expect when we work together.

1

Consultation

We talk through your goals, budget, and timeline. No obligation — just a genuine conversation about what's possible.

2

Pre-Approval

I submit your information and get you a clear pre-approval so you know exactly what you can spend — and what rate you're working with.

3

Underwriting

Once your loan is in underwriting, I keep you updated at every stage. Questions? I'm here — always.

Closing Day

You review the final numbers, sign the paperwork, and get the keys. It's the part you've been working toward.

Service Areas

Serving Frankfort and the surrounding communities

Whether you're buying in a suburban neighborhood or looking at properties across the greater Chicago metro, I'm here to help — in person or remotely.

Frankfort
Shorewood
Joliet
Romeoville
Manhattan
Bolingbrook
Naperville
Chicago Metro
Frankfort, Illinois neighborhood

Ready to explore your options?

A conversation costs nothing and could change everything. Reach out today — I'll respond within one business day.

Schedule a Call (815) 676-9121
Get in Touch

Let's start a conversation

Fill out the form and I'll get back to you within one business day. Or reach out directly — I'm easy to find.

Office

20 Kansas St Ste 200
Frankfort, IL 60423

By submitting this form, you agree to be contacted by Thea Valiga at Guaranteed Rate regarding mortgage services.

Is this your business?This is my business