NMLS #1557443 · Chicago, IL

Your path
to homeownership
starts here.

Michael Dunham brings decades of mortgage expertise to every Chicago borrower. Whether you're buying your first home, refinancing, or investing — you get a strategy built around your goals, not a one-size-fits-all rate sheet.

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What We Do

Mortgage solutions tailored to your life stage

Every borrower's situation is different. Michael evaluates your full financial picture — not just your credit score — to recommend the loan product that actually makes sense for your situation.

First-Time Home Buyers

Navigating your first purchase doesn't have to be overwhelming. Michael walks you through every step — from pre-approval to closing — with programs designed specifically for buyers like you.

Refinancing

Lower your rate, shorten your term, or tap into your home's equity. Michael runs the numbers honestly — if refinancing doesn't move the needle, you'll hear it straight.

Investment Properties

Whether you're adding to your rental portfolio or purchasing your first investment property, Michael structures loans that protect your cash flow and grow your returns.

FHA & VA Loans

Lower down payments, competitive rates, and flexible qualification. Michael specializes in government-backed loans that open doors for veterans and buyers who need a stronger foothold.

Jumbo Loans

Luxury properties in Lincoln Park, Gold Coast, or the suburbs require specialized lending. Michael has access to competitive jumbo programs that conventional lenders often can't match.

Rate & Market Analysis

Rates move daily. Michael monitors the market continuously so you know when to lock, when to wait, and what your real monthly payment will be — no surprises.

Guaranteed Rate

NMLS #1557443

About Michael

A mortgage professional who actually listens

Michael Dunham has spent over two decades helping Chicago-area families and investors navigate the mortgage landscape. Based in the heart of Ravenswood, he brings a local understanding of Chicago neighborhoods, market dynamics, and the unique financial situations that come with buying property in this city.

At Guaranteed Rate, Michael has access to one of the industry's most competitive rate structures and a streamlined digital platform — but his real value is in the conversation before the application. He takes the time to understand your timeline, your budget, and your comfort level with risk, so every recommendation feels like advice from someone who has your back.

Licensed in Illinois

NMLS #1557443

Guaranteed Rate Affiliate

Chicago Metro Area

How It Works

From conversation to closing table

Michael keeps the mortgage process transparent and stress-free. Here's what you can expect when you work with him.

01

Initial Consultation

We start with a candid conversation about your goals, timeline, budget, and any questions you have. No pressure, no scripts.

02

Loan Strategy

Michael pulls the numbers and presents 2–3 tailored options with clear pros, cons, and real monthly payments — not just rates.

03

Application & Approval

With Guaranteed Rate's digital tools, much of the paperwork is streamlined. Michael guides you through every document so nothing catches you off guard.

04

Closing & Beyond

You review the closing disclosure, ask questions, and sign with confidence. Michael stays available after closing for any future needs.

Client Stories

What Chicago borrowers say about working with Michael

"Michael made what I thought would be a terrifying process feel completely manageable. He explained every option in plain English and never pushed me toward a loan I didn't understand. Closed in 3 weeks."

J.R.

First-Time Buyer, Lincoln Park

"I refinanced my condo in Lakeview and saved over $300 a month. Michael ran the numbers three different ways and was honest about which option actually saved me money. That kind of integrity is rare."

S.M.

Refinance, Lakeview

"As a veteran, I needed someone who understood VA loans inside and out. Michael not only got me a great rate but also made sure I wasn't leaving money on the table with funding fee options. Highly recommend."

D.T.

VA Loan, Naperville

Ready to make your next move?

Whether you're just starting to think about buying or you're ready to lock in a rate today, Michael is here to help you make a confident decision.

Send a Message Call 312-509-4281

Get in Touch

Let's talk about your goals

Fill out the form or reach out directly — Michael responds to every inquiry personally. There's no obligation, no hard sell, just a real conversation about what's possible for you.

Phone

312-509-4281

Email

michael.kellams@rate.com

Office

3940 N Ravenswood Ave
Chicago, IL 60613

Send a Message

Michael typically responds within one business day.

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