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  • Karen Fitzsimmons

Karen Fitzsimmons
Senior Mortgage Consultant (26 years experience)


Purchase Loan, Refinancing, Mortgage Planning, FHA,Conv,Refi,Stimulas Refi

Add personality to your profile! Tell the community about yourself, your home, and your profession.

Expertise in:
Conventional Purchases&RefinancesFHA/VA Purchases&RefinancesFHA Streamline RefinancesStimulus Refinances

More About Me:20 year industry veteranProfessional Mortgage TrainerIndustry Recognized FHA Origination ExpertCertified Credit Expert

About My Bank:
Lincoln Park Savings Bank (LPSB) has a 60 year history of serving its customers banking and lending needs. At LPSB we have the ability to lend in all 50 states.

My Lending Philosophy:I will help you find the best mortgage loan option to fit your needs, whether it is Conventional, FHA and VA. No hard selling. My job is to assist you in making an informed decision.As an industry veteran, my goal has been to retain customers for life...not just one lending transaction. I have managed to retain 90% of my customers throughout 20 years of industry service.I guarantee honesty and integrity throughout your mortgage loan experience. Financing a home is typically the most important financial decision we all make and "Your interest in my priority."

Welcome to First-Time Home Buyers:
"STOP paying your landlord's mortgage -- invest in yourself."
If your credit is fair, you are employed, and have as little as 3.5% to put down (either your own money or a gift from a relative) -- you may qualify for an FHA loan.

Conventional vs. FHA Loans:
If a customer meets the qualifications, a conventional loan should be the preferred mortgage solution. However, for those customers who do not have high enough credit scores and 10-20% to put down, an FHA loan is a powerful alternative. FHA makes it less costly and painful for a borrower to purchase a home in this current economy. (An FHA loan is simply a mortgage loan that is insured by FHA.)
Problems with Credit:
As a certified credit expert, I can guide you in how to correct your credit and improve your credit score so that you have the ability to purchase or refinance.

About Rate Quotes and Closing Costs:If it appears that another lender on Zillow has provided a better quote, please bring it to my attention. If it is a valid quote, then I will try to beat it.Beware of quotes from internet websites or lenders that are not on Zillow. Some internet lending services are notorious for underquoting rates to pull you in and then charging you extremely high closing costs in order to recoup the deficit they created for themselves when they underquoted you.Depeding on your loan, you may be able to finance the closing costs or choose to have me pay your closing costs, allowing you the option of having to bring little or no money to the closing table.Rates change constantly. Daily market fluctuations, your credit score and LTV can improve or worsen the rates you were quoted. Please call or email me to confirm rates.Numerous factors can impact your closing costs: type of loan whether it is a purchase or refinance, and the laws of the state in which your property is located. Please call or email me to confirm closing costs.
I do not mind answering your questions, that is my job and it is what I truly enjoy about my job. Questions are free of charge and without any obligation. NO PRESSURE. In fact, I implore you to ask as many questions as possible so that you are an informed consumer for one of the biggest purchases in your life.

Contact Karen Fitzsimmons, 630.440.6571 for more information
We speak English,Spanish, Ukrainian, Polish and Russian.

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Professional Information
Karen Fitzsimmons
Lincoln Park Savings Bank
2107 Irving Park Road
Chicago, IL  60613
(630) 440-6571Click to view
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