Plainfield's Trusted Mortgage Professional

Your Home Loan Journey Starts With Someone Who Listens

Whether you're making your first offer or refinancing to unlock equity, I provide personalized guidance through every step — clear explanations, honest rates, and a process designed around your timeline and goals.

Schedule a Consultation Explore Services
NMLS # 1537556
Based in Plainfield, IL
Part of Guaranteed Rate
Cynthia Guzman, mortgage professional serving Plainfield and the greater Chicago area

500+

Families Helped

Scroll to explore
What I Offer

Mortgage Solutions Tailored to Your Situation

Every homebuyer and homeowner has a different story. I specialize in matching you with the right loan program — whether you need low down payment options, a refinance that lowers your payment, or a jumbo loan for a larger property.

First-Time Homebuyer Loans

From FHA and USDA to Illinois Homeownership Programs, I help first-time buyers navigate down payment assistance, competitive rates, and the paperwork — so you can move forward with confidence.

Learn More

Refinancing

Lower your rate, shorten your term, or cash out equity — I'll run the numbers honestly and show you whether refinancing makes sense for your situation and long-term goals.

Learn More

Jumbo & Conforming Loans

Properties above conventional conforming limits need specialized lending. I work with jumbo and portfolio loan programs to help you finance your next home, no matter the price point.

Learn More

Rate & Term Analysis

Rates change, and so do your needs. I provide transparent comparisons — including points, closing costs, and break-even analysis — so you can make decisions you're comfortable with.

Learn More

Realtor & Agent Partnerships

I work closely with real estate agents in the Plainfield and Will County area to provide fast pre-approvals, clear communication, and a smooth closing experience for your clients.

Learn More

Loan Program Guidance

FHA, VA, Conventional, Jumbo, USDA — the options can feel overwhelming. I break down each program's requirements, pros, and ideal use case so you pick the right fit.

Learn More
Cynthia Guzman's office in Plainfield, Illinois
Plainfield, Illinois neighborhood
Years of dedicated service to Plainfield families
About Cynthia

A Local Professional Who Understands Your Goals

Based right here in Plainfield, I've built my practice on one principle: treat every client's home purchase or refinance like it's my own family's. I know this community — the schools, the neighborhoods, the market trends — and I use that knowledge to give you advice that's actually useful.

At Guaranteed Rate, one of the largest mortgage lenders in the country, I have access to a wide range of loan products and competitive rates. But what sets the experience apart isn't just the rates — it's the personal attention. You'll work directly with me from application to closing, and I'll make sure you understand every step along the way.

Local Plainfield expertise
Direct communication — no call centers
Transparent, no-pressure guidance
Wide product selection through Guaranteed Rate
NMLS # 1537556
License Illinois
How It Works

From First Call to Closing Day

I've streamlined the mortgage process to keep you informed and in control at every stage — no surprises, no confusion.

01

Initial Consultation

We discuss your goals, timeline, and financial situation. I'll explain which loan programs fit your needs and answer every question — no jargon, no pressure.

02

Pre-Approval

I gather the documents I need and run your numbers. Within 1–3 business days, you'll have a clear pre-approval letter you can take to any real estate agent.

03

Loan Processing & Underwriting

Once your purchase contract is signed or you've chosen your refinance terms, I coordinate with processors and underwriters to keep everything on track.

04

Closing

You'll review your Closing Disclosure before the big day. Then we sign the paperwork, fund the loan, and you get your keys — or start enjoying your new rate.

Client Stories

What Homeowners Say About Working With Cynthia

"

Cynthia made what we thought would be a stressful process feel completely manageable. She explained every step, answered our endless questions, and got us a rate we were happy with. We couldn't have asked for a better experience.

Michael & Sarah T.

First-Time Buyers, Plainfield

"

We refinanced our home with Cynthia and saved significantly on our monthly payment. She was upfront about the costs and showed us the numbers clearly. Honest, professional, and genuinely caring — that's rare.

David R.

Refinance Client, Naperville

"

As a real estate agent, I work with several lenders. Cynthia is my go-to for Plainfield and Will County clients. Her pre-approvals are fast, her communication is excellent, and her clients trust her — which makes my job so much easier.

Jennifer L.

Real Estate Agent, Plainfield

Ready to Get Started?

Let's Talk About Your Home Loan Goals

Whether you're browsing options or ready to apply, I'm here to help. Reach out for a no-obligation consultation — I'll walk you through your options and show you exactly what you qualify for.

Call 815-676-9117 Send a Message
Beautiful home in Plainfield, Illinois
Get In Touch

Let's Start a Conversation

Have a question about your options, or ready to begin? Reach out by phone, email, or fill out the form and I'll get back to you within one business day.

Phone 815-676-9117
Office 24113 Lockport Street, Suites A & B
Plainfield, IL 60544
Office Hours Monday – Friday: 9am – 5pm
Saturday: By Appointment
NMLS # 1537556

Your information is secure and will never be shared with third parties.

Message Sent!

Thank you for reaching out. Cynthia will get back to you within one business day.

Is this your business? This is my business