McHenry, Illinois

Your key to
homeownership
starts here.

Personalized mortgage solutions crafted around your goals — whether you're buying your first home, refinancing, or planning for the future.

Schedule a Consultation Explore Services
NMLS #502402
Licensed Mortgage Professional
Guaranteed Rate
Fortune 500 Lender
Beautiful suburban home representing homeownership goals
Local Expert
McHenry County

Deep knowledge of local markets and lending options for Illinois borrowers.

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What I Offer

Mortgage solutions tailored to your story

Every borrower has a unique financial picture. I work with you to find the right loan product, rate, and terms for your specific situation.

First-Time Buyers

Navigating your first mortgage doesn't have to be overwhelming. I'll guide you through every step — from pre-approval to closing day and beyond.

  • FHA, USDA & Conventional options
  • Down payment assistance programs
  • Clear explanations, no jargon

Refinancing

Lower your rate, shorten your term, or tap into home equity. Let's explore whether refinancing makes sense for your financial goals.

  • Rate & term refinances
  • Cash-out options
  • Break-even analysis

Jumbo Loans

Non-conforming loans for higher-priced homes require expertise. I help you navigate the nuances of jumbo lending with confidence.

  • Competitive jumbo rates
  • Flexible underwriting
  • Portfolio & conforming options

Military Lending

VA loans offer incredible benefits for eligible service members and veterans. I understand the unique needs of military families.

  • Zero down payment options
  • No PMI required
  • VA Streamline refinances

Pre-Approval

A solid pre-approval gives you confidence and credibility with sellers. Get clear on your budget before you start looking.

  • Fast turnaround times
  • Accurate budget clarity
  • Strong offer positioning

Construction Loans

Building your dream home? I can help you secure the right construction-to-permanent financing for your project.

  • One-time close options
  • Draw schedule management
  • Builder coordination
Wendy Erickson mortgage professional in McHenry Illinois office
About Wendy

A local lender who actually cares about your outcome

Based right here in McHenry, I've spent years helping families and individuals navigate the mortgage process with clarity and confidence. I believe that getting a mortgage should feel straightforward — not stressful.

As a Guaranteed Rate loan officer, I have access to a wide range of loan products and competitive rates. But what sets me apart is the personal attention you get. I'm not a call center — I'm your dedicated point of contact from application to closing.

Whether you're a first-time buyer feeling unsure, a veteran exploring VA benefits, or someone looking to refinance, I take the time to understand your situation and recommend the path that truly makes sense for you.

Local
McHenry County based
Personal
Direct communication
Transparent
No hidden surprises
Experienced
Trusted guidance
The Process

From first call to your front door

A clear, guided path through every stage of your mortgage journey.

1

Consultation

We start with a conversation about your goals, timeline, and financial picture — no pressure, just clarity.

2

Pre-Approval

I gather what's needed and submit your application. You'll know exactly what you can afford before house hunting.

3

Underwriting

Your file goes through verification. I keep you updated and help resolve anything that comes up quickly.

4

Closing

You review the final numbers, sign the documents, and get the keys to your new home. Welcome home.

Client Stories

What my clients say

Real experiences from real borrowers in the McHenry community.

"Wendy made our first home purchase feel achievable. She explained every step in plain language and kept us informed throughout the entire process. We couldn't have asked for a better experience."

JR
Jennifer R.
First-Time Buyer, McHenry

"Refinancing felt like a chore until I worked with Wendy. She found a rate that actually made a difference for our monthly payment and walked us through every document. Professional and genuinely helpful."

MT
Michael T.
Refinance, Crystal Lake

"As a veteran, I wanted someone who understood VA loans. Wendy took the time to explain my options thoroughly and made the whole process smooth. I recommend her to anyone looking for a lender who truly listens."

DP
David P.
VA Loan, Algonquin

Ready to explore your options?

Whether you're just thinking about it or ready to apply, a no-pressure conversation is the best first step. Let's figure out what's possible together.

Start Your Application Call 847-807-2745
Get in Touch

Let's start a conversation

Fill out the form or reach out directly. I typically respond within one business day.

Phone
847-807-2745
Email
wendy.erickson@rate.com
Office
4005 W Kane Ave Ste H
McHenry, IL 60050
Equal Housing Lender

Guaranteed Rate, NMLS #1027. Wendy Erickson, NMLS #502402. Guaranteed Rate is a corporation organized under the laws of the United States and is a registered mortgage lender. Not all products and services may be offered in all states.

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