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Michele Richard

Michele Richard

VP of Mortgage Lending · NMLS# 224421

Chicago, IL4.8(27 reviews)

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Michele Richard at Rate (NMLS #224421)

Today · 9 AM – 5 PM

3940 N Ravenswood AveChicago, IL 60613
Rating4.827 reviews
Satisfied96%28 reviews

Ratings include all 28 reviews. Reviews collected directly from clients are shown only with their permission.

Great Service from Michele Richard

Harry K.

You guys did a great job at getting us the house with least amount of of money down Michelle was great to work with with

Robert F.

Michele Richard is amazing to work with always!

Noel L.

The process was seamless. Great customer service from Michele Richard and Liz Ayala. Fees and APR were competitive.

Sarah S.

Excellent service!

Kevin R.

Michele is a competent, caring professional. I have worked with Michele since 2010 on the financing of 2 home purchases and 2 refinances. My expectations have always been exceeded. Her rates and fees are always competitive. Michele is thorough and always available to address any concerns. I highly recommend working with Michele for your home finance needs. Rate is lucky to have Michele as a brand ambassador.

Michele is a competent, caring professional. I have worked with Michele since 2010 on the financing of 2 home purchases and 2 refinances. My expectations have always been exceeded. Her rates and fees are always competitive. Michele is thorough and always available to address any concerns. I highly recommend working with Michele for your home finance needs. Rate is lucky to have Michele as a brand ambassador.

Sarah S.

Efficient servicing and quick results

Spencer C.

Michele and her team are the best! They work hard to make your refinance go off without a hitch. Michele’s experience gives her such an edge to make the process smoother. I highly recommend Michele; start as a business partner and end as a friend!

Great help throughout the process

Karen W.

Reliable sources and experts teams

Amer I.

I am very pleased that since I started working with Mrs. Michelle Richard to obtain a home loan, she did her best from the beginning to the end. She raised my morale and walked with me step by step until I achieved the goal. The result was very positive until I was finally able to own a home. I thank her very much.

ابو ا.View on Google

Ease of process and friendliness and patience of the people I dealt with

Jonathan B.

I asked Jason MANY questions; he was always kind, responsive, and knowledgeable.

Kevin R.

Dan and his team were excellent at problem solving, communicative, collaborative, and supportive of my application. They did an exceptional job in the tight time frame we had and earned everyone’s trust.

Bartholomew M.

I have worked with Michele Richard for many years and would trust nobody else. She is very easy to work with, makes the process seamless and helps in any way possible if and when needed. She is very quick to respond when reached out to and answers any questions you have. She works very hard until the very end for you!

Noel L.

Because Michele Richard was so great to work with

Elizabeth M.

Michele was so easy to work with. Everything was clear and the people at Guaranteed Rate stayed on top of everything.

Spencer C.

Everyone we worked with was very helpful throughout whole process.

James P.

I have worked with Michele for years and she's the best.

Bartholomew M.

Our loan officer, Michele Richard, as well as Jennifer Worthington and Kaide Elliot. Rates were competitive in a tough market.

Jonathan B.

Michele Richard was great to work with. I felt very taken care of during the whole process. She was knowledgeable and responsive. Michele made the process seamless. She is great brand ambassador for excellence.

Sarah S.

Michele was very patient and helpful in getting us approved for our home. She walked us through every step, answered all of our questions and made the entire process easy and stress-free. I highly recommend working with her, she is polite, responsive, and a complete professional at every step. Thank you again for everything!

Michele is extremely professional and will work incredibly hard to get you into your home. I have no idea about anything about the mortgage process but Michele explained every step and I felt confident working with her. Ignore the 1 star review, that lady really loves dishing out 1 star reviews. She's apparently really mad at her local subways and doesn't even live in Louisiana 🙄

Shawna W.View on Google
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Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
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 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York.
 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Applicants are subject to credit and underwriting approval. Restrictions apply. All information is provided for informational use only and should not be considered financial advice.

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