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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts.

Heather McRae

Senior Loan Officer
Direct: (312) 285-6644
Email: hmcrae@cfsmortgage.com
NMLS #890694

About

Originally from upstate New York, I have been living in the Chicago area for over a decade.  I have had the pleasure of working in real estate since 2001 and I love what I do.  My business is exclusively based on referrals from previous customers and busy real estate professionals.  I love that every loan is different as every buyer has unique preferences. 

Have a lot of questions?  What can I afford?  Which loan program is right for me?  No problem!  Reach out and we'll work together to find the right loan for you!

Paul Novak

My Team

Kerry Baldwin

Paul is my assistant and you will hear from him from time to time during our transaction together.  Paul has over 10 years of experience as a loan officer's assistant and is here to make sure all of your needs are taken care of during the loan process.

Kerry is my loan processor.  We have worked together since 2013 and I couldn't be luckier to have her on my team.  While you may not have as much interaction with her during your purchase or refinance, she is behind the scenes making sure the whole process runs smoothly.