First-Time Homebuyer Loans
FIRST, FHA, and conventional options with low down payment programs designed specifically for buyers in their first purchase. I'll help you understand what you qualify for and make a realistic plan.
Frankfort, Illinois · NMLS #263558
Hello, I'm Michelle Reese.
Let's find your path home.
Buying a home is one of the most important decisions you'll make — and you shouldn't have to navigate it alone. I'm here to walk alongside you every step of the way, making the mortgage process clear, straightforward, and genuinely stress-free.
200+
Families helped find their home loan
About Me
A mortgage professional who actually listens.
I started in lending because I believe everyone deserves to feel confident and informed when making one of life's biggest financial decisions. Too often, people walk into a mortgage appointment feeling overwhelmed — and that's not the experience I want to provide.
Based in Frankfort, I work with first-time buyers, move-up families, and refinancers across the greater Chicago area. At Guaranteed Rate, I have access to a broad range of loan products and competitive rates, but what sets me apart is the personal attention you get — from your first call to your closing table.
What I Offer
Loan solutions tailored to your situation
Every borrower is different. That's why I take the time to understand your goals, your budget, and your timeline — then recommend the right product for you.
Refinancing
Whether you're looking to lower your rate, shorten your term, or tap into home equity, I'll run the numbers with you honestly — showing exactly how a refinance would impact your monthly payment and long-term savings.
Jumbo & Non-QM Loans
For higher-value properties or unique financial situations, I offer jumbo and non-qualified mortgage products that conventional lending doesn't cover. Let's talk about what's possible for your situation.
VA & USDA Loans
Serving those who served — I specialize in VA loans for veterans and active-duty military, plus USDA loans for eligible rural and suburban buyers. Zero-down options that reward your service.
Rate & Term Analysis
Not sure if now is the right time to refinance? I provide clear, no-pressure rate comparisons so you can make a decision based on facts — not sales tactics.
Pre-Approval & Planning
A strong pre-approval gives you confidence and credibility with sellers. I'll walk you through the documentation you'll need and set realistic expectations before you start house hunting.
How It Works
From first call to closing day — I'm with you
The mortgage process doesn't have to be a mystery. Here's what you can expect when you work with me.
01
Initial Conversation
We'll talk about your goals, your budget, and any questions you have. No pressure, no jargon — just a clear picture of where you stand.
02
Get Pre-Approved
I'll gather the documents you need and submit your application. Most pre-approvals are completed within 1–2 business days.
03
Find Your Home
With your pre-approval in hand, you're ready to shop with confidence. I'm available anytime you need clarification on loan terms or options.
04
Closing Day
Your loan officer and processor handle the details. On closing day, you'll sign the paperwork and get the keys to your new home. Congratulations!
Client Stories
What people say about working with me
Michelle made what we thought would be a stressful process feel completely manageable. She explained every step in plain language and was always just a phone call away. We closed on our first home in under 30 days.
I refinanced my home to take advantage of lower rates, and Michelle walked me through every option. She was honest about what made sense and what didn't — I really appreciated that integrity.
As a veteran, I didn't know much about VA loans. Michelle took the time to explain the benefits and guided me through the entire process. I couldn't have asked for a better experience.
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
Frankfort, IL 60423
Phone
630-364-7586
Email
shellie.reese@rate.com
NMLS #
263558
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