A little bit about Chad
Chad Lubben (NMLS # 447796) is a Senior Mortgage Adviser with Summit Funding. He brings ten years as a Loan Originator to the mortgage industry as well as thirteen years of sales experience. As a licensed Mortgage Adviser, Chad has always strived to deliver fair, competitive closings in an efficient and timely fashion.
Chad' mission is to provide the highest level of prompt and reliable mortgage services and to be an industry leader. As an asset to the company, Chad strives to maintain a knowledgeable, motivated, and customer focused team that provides service partners with superior support to maintain a healthy, thriving business relationship with a stellar reputation.
Being available 24/7 to his clients, Chad is able to answer all of their questions, concerns, and general inquiries about mortgages and real estate transactions.
Call or Email Chad today to ask any questions you might have regarding your specific home lending needs or to make an appointment.
Specialties: First time Home-buyers, FHA, VA, Conventional and Jumbo loans. Residential mortgage lending, credit verification and qualification, processing and closing home loans!
Chad's Reviews
We survey everyone who has submitted a loan application with this lender, whether the loan closed or not.
It has been a pleasure to work with Chad and his team. They are professional, knowledgeable, caring and responsive. Appreciate their excellent communication skills, enthusiasm and positive energy. I would definitely recommend them!
Customer did not leave review comments.
Chad and his team were absolutely terrific. I felt supported, guided, never pushed. I trusted they had the "big picture" of our financial health and choices in mind. They were direct in communication, and offered and kept a good schedule of regular communications. Worked extremely well with the other transaction partners like attorney, realtor, inspector etc. Highly highly recommend.
Buyer Closed Jan '19CHICAGO, IL
$250,000 • 1st Time Buyer
Chads team is great. Everyone from the top down runs like a well oiled machine. They give weekly updates and give clear information about each step in the process. Being a first time homebuyer I felt very comfortable that they had my best interests in mind. Chad really cares about his clients. He was PERSONALLY available at all hours to assist.
Customer did not leave review comments.
Buyer Closed Dec '17CHICAGO, IL
$508,000 • 1st Time Buyer
We felt that Chad was always looking out for our best interests.
Buyer Closed Dec '17CHICAGO, IL
$294,500 • 1st Time Buyer
We worked with Micah to close on our condo. It was a rapid turnaround time (a benefit that helped the seller choose us), and Micah was incredibly patient and helpful.
Buyer Closed Sep '17Chicago, IL
$220,000 • 1st Time Buyer
Customer did not leave review comments.
Chad and his team were great throughout the whole process. Overall, they were knowledgeable, helpful, and organized, making applying for the loan and closing a relatively smooth process. Uploading documents and communicating by email also made things easier.
Buyer Closed Aug '17CHICAGO, IL
$827,889 • New Construction • 1st Time Buyer
Customer did not leave review comments.
Customer did not leave review comments.
Buyer Closed Aug '17CHICAGO, IL
$460,000
Chad and his team were amazing to work with. They coordinated so that I could close quickly, and were sure to answer any questions I had as a first time home-buyer.
Buyer Closed Jun '17CHICAGO, IL
$235,000 • 1st Time Buyer
Chad and his team provided us the highest level of customer service and it was a pleasure working with them. Appreciated their patience and care to answer all our questions throughout our financing/home buying process.
Chad was very helpful throughout the lending process.
Customer did not leave review comments.
Buyer Closed Dec '16CHICAGO, IL
$379,900 • 1st Time Buyer
Customer did not leave review comments.
The mortgage process was an absolute nightmare and I would never recommend Guaranteed Rate. They constantly sent me incorrect documents regarding fees - always to their benefit. I would call, speak with Derek, and have them corrected and then the next form would have an error elsewhere. I left with the ill taste in my mouth that they were trying to take advantage of me. The process was incredibly disorganized, with constant back and forth, and was not finalized until the day prior to close.
Buyer Closed Oct '16CHICAGO, IL
$342,500 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Oct '16NILES, IL
$254,500 • 1st Time Buyer
Chad and his team helped us every step along the way. I'll definitely use Chad's team again!
Buyer Closed Aug '16CHICAGO, IL
$360,000 • 1st Time Buyer
We started our loan process with Chad at Guaranteed Rate but ended up switching after we felt we weren't getting very good service. Our initial consultation with Chad was great but after that we were passed off to his team which was not as helpful. As market rates were dropping, we asked for better pricing to compare with what other local lenders were offering us (we were not locked in yet) but they didn't want to cooperate. It got to a point where we didn't feel like they cared about us as clients. I tried contacting Chad directly but kept getting routed back to the main line to talk to his team. We ultimately chose to work with another local lender that was easy to work with, much more personal, and offered us a more competitive rate.
Buyer Closed Jul '16CHICAGO, IL
$445,000 • 1st Time Buyer
We needed to close quickly and Chad helped make this happen.
Chad and his team facilitated a VERY fast close for me and made it all easy and smooth. Would definitely work with this team again, and would recommend them to anyone.
I met Chad at a Redfin first-time homebuying seminar and I immediately knew that I wanted to work with him as my lender. His personality and knowledge of his field make him an approachable and talented individual. He's simply just a great guy with a great team. The team's weekly update calls and ability to simplify the process ensures the client is always aware of what's going on in the process. He even went above and beyond by helping to pitch our case to the seller which I KNOW helped us close on the offer! I highly recommend Chad's services to anyone!
Buyer Closed Mar '16CHICAGO, IL
$280,000 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Mar '16Chicago, IL
$307,500 • 1st Time Buyer
Customer did not leave review comments.
Chad and Chad's team are awesome to work with. I really feel like that I have relationship for the long term. They do regular Productive follow ups and actually provide answers for the questions that I had asked. I would definitely work with them
Buyer Closed Mar '16Chicago, IL
$710,000 • 1st Time Buyer
Customer did not leave review comments.
Customer did not leave review comments.
Buyer Closed Jul '15CHICAGO, IL
$617,000 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Apr '15CHICAGO, IL
$262,500 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Mar '15CHICAGO, IL
$318,000 • 1st Time Buyer
Customer did not leave review comments.
Buyer Closed Jan '15Chicago, IL
$340,000 • New Construction
Chad is the type of professional who clearly knows all the dimensions of his field exceptionally. However, perhaps more importantly, he knows how to best communicate his knowledge to his clients. From the pre-approval to the closing day, Chad supported us and articulated very clearly what our choices were so that we would be well-informed of our future with our property. We will definitely seek Chad for his services in the future. Meanwhile, we have already recommended his services to our friends.
Chad and his team were great throughout the entire lending process. Made it much less stressful than was anticipated. Would highly recommend him.
Customer did not leave review comments.
Buyer Closed Jun '14CHICAGO, IL
$905,000 • 1st Time Buyer
He was very prompt and was always available to answer questions. He really worked hard to make things smooth as possible.
Buyer Closed Jul '13CHICAGO, IL
$783,000 • 1st Time Buyer