When the Federal Reserve raised its interest rates late last year, most mortgage rate prognosticators saw it as a sure sign that home-loan rates would finally rise meaningfully. In fact, just the opposite has happened. The average rate on the popular 30-year fixed loan is now at its lowest level of the year and could potentially head lower into new record territory.

It's impossible to know how timing will play out, but I definitely see the ingredients in place for new all-time lows sometime soon," said Matthew Graham, chief operating officer of Mortgage News Daily. "It actually concerns me how convinced I am that this will happen eventually.*

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To begin the process fill out an online loan application. This loan application will be routed to Sandy and an initial decision will be made. Further documents maybe needed as well as signatures for the mortgage or refinance in which you are applying.

Full NMLS Number List

Below is our full list of loan officers that also have NMLS numbers.

NMLS Number Name Branch
809933 Albert,Mandi Northpoint
1759451 Austino, KariStreator
1638945 Barickman, MelanieStreator
1574345 Blasco, CarolynStreator
1807619 Brown, LisaPontiac
1733813 Christiansen, ElizabethStreator
1694815 Christopherson, LoreneStreator
442099 Conner, Kristine Northpoint
539826 Cox, ChristinePontiac
1537539Cribbett, Katrina Dwight
1602994Elmore, Brianna Northpoint
528567 Fechter, JeanieStreator
528567 Gutierrez Vazquez, NancyStreator
1733814Harcharik, Jordan Northpoint
1637728Harris, Taylor Northpoint
1779566Helwig, Donna Streator
1660986Hinthorn, Krystal Pontiac
539824 Holland, JessicaStreator
528569 Iverson, DianaPontiac
1537542Johnson, Tracy Streator
1807620Kalaitzakis, Melitsa Streator
442098Keith, Jennifer Streator
539823Kern, Ryan Streator
1575801 Kohrt, JamesStreator
528564 Kusnerick, AngelaStreator
442094 Lawless, PaulaStreator
528568 Lucas, KathleenNorthpoint
1672622Malmassari, Amie Streator
1672622Manegold, Dayna Morris
1589473Mann, Kaylea Morris
1807621Martin, Lydia Northpoint
1492297Matas, Cassie Streator
442097 McBride, SandraNorthpoint
1733814 Nunez, MandiDwight
1574355 Potter, LorriPontiac
1574346Sampson, Brittany Northpoint
1602995Sharisky, Tiffany Northpoint
757257Shelly, Amy Streator
864361 Sibert, LornaDwight
1184499Sims, Krystle Northpoint
1674915Smith, Hallie Northpoint
1574344Stash, Carol Streator
1663349Stillwell, Dana Streator
1761944Sullivan, Tonya Northpoint
1666084Tincher, Lindsay Streator
1402302 Threadgill , TrentStreator
1537543Travers, Betty Streator
1143785Tutko, Ashley Northpoint
1742860Waite, Stephanie Morris
1414783Warren, Jessica Pontiac
539829 Watenpaugh, ChantellDwight
1807622 Williamson, JamieStreator

*Source: Diana Olick