As first-time homebuyers, we couldn't have asked for a better mortgage team than JC Financial. From our very first meeting, Jake and Lillian demonstrated an incredible level of professionalism, expertise, and genuine care for our family's best interests. Jake took the time to walk us through every step of the loan process and provided us with a detailed estimate of what to expect. What impressed us the most was how incredibly accurate those estimates were--when we sat down at closing, the final numbers were almost exactly what he had projected, differing by only about $100. That level of accuracy and transparency gave us so much confidence throughout the entire process. We even explored whether there were better interest rates available elsewhere, but after comparing our options, JC Financial was still able to secure the best rate for us. It was obvious they weren't just trying to close a loan--they genuinely had our best interests in mind and worked tirelessly to get us the best possible outcome. Jake and Lillian were always available whenever we had questions, whether it was during the day, in the evening, or over the weekend. Every phone call, text, and email was answered promptly, and they never made us feel like we were asking too many questions. As first-time buyers, that level of communication and patience meant everything. They worked incredibly hard all the way through closing, carefully reconciling the numbers between the seller, lender, and everyone involved to make sure everything was accurate and seamless. Their dedication, diligence, kindness, and exceptional customer service made what could have been a stressful experience feel smooth and organized from beginning to end. If you're looking for a mortgage company that is honest, knowledgeable, responsive, and truly advocates for its clients, I cannot recommend JC Financial enough. Jake and Lillian work incredibly hard for their customers and have earned every bit of their outstanding reputation. Thank you both for making our first home-buying experience such a positive one! We are officially home owners today thanks to Jake and Lillian's hard work! I cannot recommend JC Financial highly enough. Jake and Lillian are knowledgeable, honest, responsive, and truly put their clients first. If you're looking for a mortgage lender who will work tirelessly to secure the best rates and make the process as smooth and stress-free as possible, look no further. We are incredibly grateful for everything they did and wouldn't hesitate to recommend them to anyone buying a home. read more

Jake Chung and his team were extremely punctual and reliable. I will continue to use JC with my current and any future financial projects. Jake and Lillian truly cared about my success and wanted to make sure that I was taken care of. read more

Thank you Jake and team for a smooth process and finding me the best rate on the market!

I went to JC because I heard that they were able to do complicated loans. I'm self employed so my loan was not you typical cookie-cutter loan. Jake at JC took the time to analyze my situation and was able to give me a couple of great options. Very happy with Jake and his team. read more

Its my second house closing with JC Financial. There are many reasons such as, secured us the best rate possible, the staff works together on your behalf, and Jake is amazing when it come down to explaining the process and keeping us updated through an email or via phone text. I'm looking forward to our next purchase and another good deal of an income property. Whichever, way we go this organization made it happen when it comes to buying and getting approve to buy property. I should mention Lillian as well she was very helpful and responsive to all our questions. read more

I have been a client of Jake for about 15 years for all my mortgage needs. Jake and his team has successfully closed on my buy side, sell side and refinancing transactions. I can tell you that Jake is a seasoned expert in his field with exceptional customer service. He will sit with you and answer any questions you have related to mortgage services and is very transparent, explaining every transactional line items. If there are better alternatives to your financing needs, he won't hesitate to recommend his alternatives so that you make an informed decision. I have recommended all my family and friends to Jake due to his exceptional service. I would highly recommend Jake and his team anyone who needs mortgage services. You will be glad to have Jake and his team on your side. read more

Biggest thanks to Jake and his team. They are wonderful to work with; attentive, thorough, reliable, knowledgeable and responsive - what more could a client ask for? My family and I are grateful for all of his help and services and would definitely would recommend them to anyone we know. We appreciate all the hard work and expertise shared. Thank you so much! read more

Amazing people to work with. Jake and Dan were an amazing help getting my most recent mortgage setup and I would go through them again in a heartbeat. Super responsive and helpful every step of the way. They went above and beyond what I could expect. read more

I have worked with Jake and Lilian from JC Financial on purchasing our current home. Jake and Lilian went above and beyond to lock in our rate, and work as fast as they can to close within the deadline. I have absolutely no problem recommending JC Financials Inc to any Chicagoland home buyers as they will do their best to get you good rates. Thank you Jake and Lilian for your great service and customer oriented mindset. read more

very professional, On time no waiting , finished my work in timely manner. answers my phones on time. explain and answers all the questions regarding refinance read more

Again I had the pleasure working with JC mortgage team . This is my 3rd time buying a house . Like I expected it was smooth sailing . You can tell the difference between the PROs.. read more

Two other mortgage companies coudn't get my preapproval in a timely manner, and my friend recommended JC. I got my preapproval very quickly. The team is very efficient, smooth, and stress free and respond to my questions very quick. They compared several companies and got the best rate available. I had purchased homes before and worked with several companies, but Jake Chung and the team by far is the best. I highly recommend this team to any Mortgage needs. read more

First time home buyer here. As many have already said, my experience with Jake has been outstanding. He walked my girlfiend and I through the process and made sure we understood what was happening. He was always very quick to respond to my million questions as a first time buyer. He made the time to meet with us on Saturdays and evenings when we had no other options. Even when I had a change of heart after the process had begun, he made the transition very smooth and made it possible for us to reach our goal. He and his crew worked diligently to meet the deadline, and we're very thankful. Jake is an absolute professional who is willing to go above and beyond. We're all smiles. I would highly recommend JC Financial to anyone looking to finance a home. read more

I originally went with another broker for a home I was purchasing. The process started out well until he went MIA. No communication, no returned calls. I was getting nervous so I called JC Financial at the recommendation of a friend. Closing was 4 weeks out and I needed a fast closing. Got my loan approved in less than 3 weeks. Was amazed at how efficient and knowledgeable the folks at JC Financial were. Also, the rate I got was better than what the original broker offered me which was a huge bonus! I've heard horror stories about the loan process but JC Financial made it smooth. read more

I shopped around for the best rate on a 30 yr fixed when I came across JC Financial on bankrate.com. They were local in the Chicago area which was a plus. I did a no closing cost refi and was able to close on my loan as promised. The only negative if any was that the closing took about 60 days but from speaking with my friends, I was told that is the norm nowadays. At any rate, I'm happy the transaction went smooth and am able to save $$$$$. Thanks JC!!! read more

My wife and I were first-time home buyers. And it's true what everyone says, that buying a home is exciting but really stressful as you look at your finances (for the average buyer). Jake and his team were patient and walked us through the process. He let us know what they needed, what everything meant, and also gave us sound advice. For instance, we had an amount in mind to put down for our down payment, which was less than 20%, which in turn meant we were going to have to pay the PMI. He asked if there were things to be done in the house before moving in, and we said there were a few things. He suggested that since we were going to have to pay PMI anyway, why not put a little less down and use that money to help cover costs of what we needed to take care of around the house (i.e. mold mediation, light fixtures, carpeting, etc.) since the difference in monthly payments wouldn't be that much more. He said this knowing our joint annual income and knew we would be ok financially. I thought this was great advice! Jake was very patient. He responded to my emails and texts in a timely manner, even outside of work hours. My realtor said that even when he has traveled to Korea sometimes, he works during the night over there so that he could respond to his clients over here...who does that?! It had been a pleasure working with Jake and his team! Oh, and it definitely helped that they offered the lowest rate when I asked around banks and other mortgage lenders! read more

Recently I had to get a home loan in a short amount of time and Jake and his team were able to pull it off without any hitches. I was kept in the loop about any complications and continually updated on the approval and processing of the loan. Jake walked me through the whole thing and explained all the numbers to make sure I understood where my money was going and to make me feel more at ease about the entire experience. He was very accommodating to my schedule and available for any questions that I had. I highly recommend JC Financial to anyone that is looking for a trouble free home buying experience with excellent customer care. read more

Extremely professional and knowledgeable set of team that Jake has at his firm. They know the ins & outs and they will tell you what they need from you to get the job done. And they get the job done. Worked with them couple of times in the past is what keep me coming back. Their knowledge, experience and professionalism is second to none. Exceptionally done, Jake & Lillian. Thank you and looking forward to working with you again. read more

Jake and his team are outstanding. Jake is knowledgeable, highly professional, and always available when needed. He made sure everything went smoothly and was well prepared while purchasing my home. Every detail was covered, and I am amazed by his organization and professionalism. Jake is very patient and accommodating, as I had many concerns and questions along the way. I highly recommend!!! read more

It was my first time applying a home loan and Jake was very professional from the beginning. He guided me every steps and made me comfortable about the whole process. Jake and his team members were very respectful and also friendly. It was very fast closing and I want to thank Jake and his team members once again. I will definitely have more services with him in the future and would recommened JC Financial for everyone! Thank you Jake! read more

I have worked with Jake on several home purchases the past few years, and he has been nothing short of exceptional in customer service and the mortgage loan process. He's always worked with me to ensure I get the best loan based on my financial status. read more

Jake is very personable and professional. The mortgage application process was very simple and thorough. Their pricing is very good as well. Jake is available anytime during the day, even at night! He is very flexible and will work with you to make sure you get your home on your closing date and if you have any questions about your mortgage! I have worked with Jake twice, and I will continue to use his services in the future. read more

Avoid J C Financial at all costs! I found them b/c I went to bankrate.com and it was listed as the lowest rates for a mortgage refinance and well... there's a reason why. Every step of the process was difficult with them, first I didn't receive the paperwork and then they said they'd re-send and never did and when I called them they said that it was b/c they fired the lady who was in charge of that. Classic. And it went downhill from there. I don't want to get into it, but if this review can save just one person from going with them (I yelped them before I went with them and found nothing) and having another terrible experience, then it's worth it. read more

Jake walk you through every step of home buying process and explained why it is necessary or not necessary. This is what made him stand out from other lenders. You really fell you are in good hand. The closing is on time and he fully prepared you for the closing process. Also, interest rate is lower than what you expect! He is always available to answer any question you have. read more

Best customer service ever! Made getting my mortgage a breeze! I would definitely refer my family and friends. They also offer the lowest rates available in the market. If you ever need a mortgage or refi, you must come here! They also have very competitive insurance rates too! read more

First time home buyer for my husband and me. Jake and his team were great throughout the entire home buying experience, and made what can be a stressful process less intimidating and a positive experience. He was very responsive to all our questions. He was also timely, and very professional. I would recommend Jake's services to anyone and will definitely refer him to my friends and family. read more

Jake is very helpful and efficient throughout the whole process. We've encountered a little difficulties near the closing but I believe it might be more on the banks side. Overall the process is clean and fast and we successfully moved into our current townhouse shortly afterwards. Jake stayed professional and explained to me the details of all expected expenses. I'm satisfied with the experience working with J.C Financial and would come back if we're to buy another house. read more

My aunt referred us to Jake and we are so glad she did! If you are looking for a mortgage broker, Jake is your man. Jake was super helpful throughout the entire process. We've had a lot of ups and downs trying to sell our home and buy a new one. It was an emotional roller coaster. Jake helped us navigate through it all. We had issues with our potential buyers and he helped look into the issues and understand the process. He is very knowledgeable and gave us great advice and suggestions. He is very easy to reach and quick to respond. You won't be disappointed working with Jake. Thank you for all of your help Jake! read more

Another first time home buyer here. Jake was amazing and utterly dedicated. There were several occasions, where the only time I could find to talk to him was well after business hours. Yet, there Jake was, happy to answer my question. He guided my wife and I through the entire process and we know beyond a doubt we could trust him. When you're dealing with the biggest purchase of your life, there's nothing as important as being able to trust the people you're working with. I have zero reservations about recommending Jake to everyone and anyone who asks. read more

I used JC to refinance my house a couple of months ago. The whole process went really smoothly. All though I never had face to face contact with Bill, who handled our refi, he kept in close contact via email and kept us up to date on everything. The time from submitting the paperwork till he had approval from the finance company was 1.5 days and he apologized it took so long. I would definitely recommend them to anyone. read more

Good service and very helpful when you are trying to obtain mortgage for your house.

My wife and I just closed on our first dream home. Jake led us the way from the start to finish. This guy ROCKS!!! We were in search of a competent MB who could find us the right loan. We have been talking to couple of bankers(fairly conservative), and outlook on the loan we were looking for was not that bright. Our Cpa recommended Jake by saying "this guy makes it happen" That was all I needed to hear. When I first made contact, he happened to be traveling overseas. He promptly got back to my email, and he even called me from out of the country just to chat. Now that was pretty impressive. At our first visit to his office, he broke down the possible scenarios, and explained what needs to be done. Jake gave us the confidence, and made us believe. The rest is history. If you are in search of the mortgage broker that can get it done, this is the guy. read more

Awesome service! Very responsive, went above and beyond to help me through the process! Would definitely come back again for future financing need! read more

We were a first time home buyer and we couldn't have worked with a better expert than Jake! Buying a home can be a long and very unpredictable process however Jake knew from the start all the obstacles that we would face and solved the problems beforehand. Jake laid out and followed through the plan so that we would get the mortgage approved with best rate possible! He was very friendly and professional from the start to the closing, and everything went smooth as expected. It was great to work with Jake and I would definitely recommend JC Financial to my family and friends! read more

Buying a home and obtaining a mortgage can be stressful, but a good financials expert can make it much easier. JC Financials is that kind of expert. Jake Chung made everything simple, he solved every hitch that came up, and he did it all with grace and a smile. He even made a tight deadline so that I could close on my purchase the same day as my sale. This saved me a ton in moving and storage costs, not to mention the headache of logistics if we had had to find temporary housing. The loan terms were excellent and Jake explained everything very well. He was able to get me the best loan terms available. His team members were also wonderful and it was clear that they are a strong team who all work together for the client's best interests. They inspired trust and I could tell from the progress and their updates exactly how things were going. Everything was transparent and clear. It really helped lessen anxiety and kept me assured that everything was okay. This is my third home purchase, and the mortgage process and closing were the easiest and most efficient. JC Financials is definitely the best I have worked with. I would recommend Jake and his team to everyone with no hesitation at all. read more