I'm Jason Chandler, your local mortgage expert with Guaranteed Rate. Whether you're buying your first home, refinancing, or investing — I'll find the rate and terms that fit your life, not the other way around.
Every borrower is different. I tailor my approach to your timeline, budget, and dreams — because one size never fits all.
The path to your first home shouldn't feel like a maze. I walk you through every step — from pre-approval to closing — with patience and clarity.
Lower your rate, tap into equity, or shorten your term. I analyze your situation and show you the real numbers behind a refi.
Whether it's a duplex, multi-family, or rental — I structure loans that make your investment work harder for you.
Unique properties or non-traditional income? I access a wide range of loan products to fit situations that conventional lenders turn away.
I grew up right here in southern Illinois, and I know what it means to work hard for your money. That's why I approach every mortgage conversation the same way — with honesty, patience, and a genuine desire to see you succeed.
At Guaranteed Rate, one of the largest mortgage lenders in the country, I bring the personal touch that big companies often lose. You'll deal with me directly — not a call center. When you have questions at 7 PM on a Tuesday, I pick up.
I've helped hundreds of families in the Smithton area and beyond find homes they love and rates they can live with. Whether you're a first-time buyer, thinking about refinancing, or investing in your future — I'm here to make it simple.
Jason Chandler
Mortgage Loan Originator · NMLS #224322
The mortgage process doesn't have to be intimidating. Here's what to expect when we work together.
We start with a no-pressure conversation. I'll ask about your goals, budget, and timeline — then explain your options in plain language.
I submit your application and gather what we need. With Guaranteed Rate's technology, pre-approval can come fast — often within 24 hours.
Armed with a solid pre-approval, you shop with confidence. I'm available throughout this process to answer questions and adjust your strategy as needed.
The appraisal, underwriting, and closing — I guide you through each milestone. On closing day, you get the keys. That's the part I never get tired of.
"Jason made what we thought would be a stressful experience completely painless. He explained every step, answered our endless questions, and got us a rate we didn't think was possible. We closed in under 30 days!"
"I refinanced my home with Jason and saved over $300 a month. He was upfront about everything — no hidden fees, no surprises. I've already recommended him to three friends who also closed successfully."
"As a self-employed borrower, I thought getting a mortgage would be impossible. Jason found a program that worked with my situation and got me into a beautiful home I never thought I'd afford."
Whether you have a question or you're ready to apply, I'm here. Call, text, or fill out the form — I respond the same day.
Reach out anytime. I typically respond within a few hours during business days.
NMLS #224322 · Licensed in Illinois
Guaranteed Rate, NMLS #2611 | Equal Housing Lender
