Larry Minutillo
Mortgage Lender, NMLS #503658
How can I help you achieve your home-buying goals?
As your trusted First American Bank mortgage loan officer in Chicago, Illinois, my mission is to provide you with exceptional customer service. I will walk you through every step of the home loan process and support you from mortgage prequalification to pre-approval, all the way through your closing date. As a partner with you in the home financing process, I will provide you with a variety of mortgage lending programs to meet your individual needs, whether you are seeking a fixed-rate or adjustable-rate mortgage (ARM). I am committed to keeping you informed throughout the mortgage loan process, and am here to answer questions, explain options and eliminate hassles and worry along the way. Whether you are a first-time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs.
Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
Get to Know Me:
I currently sit on the board of the Small Business Advocacy Council where, as a non-partisan non-profit, we advocate for small businesses in Chicago and throughout Illinois. Our goal is to help make both city and state more small business-friendly. I own a Harley Davidson Road Glide, which I ride as much as I can. I also collect wine. Big, bold California reds are my favorite!
My Specialties:
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| Product | Rate | APR |
|---|---|---|
Home Equity Line of Credit Terms and Conditions | 7.750% | 7.750% |
Not available for investment properties or properties located in Texas, New York, Alaska, or Hawaii- The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of the month. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. An Early Cancellation Fee of 2.00% of the credit limit, or $500, whichever is less, will apply if the loan is closed within the first 36 months. An Early Cancellation Fee is not applicable when prohibited by state law. Offer is subject to normal credit qualifications.
*UP TO $2,500 IN CLOSING COST CREDIT: Third party fees and charges ranging from $500 to $3,100 may be assessed for HELOCs under $250,000 at closing. If at the time of closing you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and within the first statement cycle elect electronic statements, we will pay up to $2,500 of the Third Party Fees and Charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report, stamp & tax, and recording fees (Third Party Fees and Charges). If at any time during the term of your HELOC you fail to maintain the AFT or ACH or an electronic statement, you agree to repay the Third Party Fees and Charges that we previously paid which may be added to the outstanding balance of your HELOC. If at the time of closing you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. Not available for loans that fall outside our standard product, rate, term and underwriting guidelines.
Home Equity Line of Credit
The information provided is based on a $100,000 home equity loan. The property is located in Chicago, Cook county in the State of IL. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. These rates are subject to change without notice. Loan to Value must be less than or equal to 80%. (For collateral located in the state of Florida, the Loan to Value must be less than or equal to 75%). For loans secured by a first lien on a dwelling, payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. The minimum APR is 4.25% and the maximum APR is 18%. Subject to credit approval. Standard rates apply.
Interest Rate/APR: Prime Rate published in the Money Rates section of the Wall Street Journal. + 0.000% (currently 7.750%), subject to increase.
Payment: Your Regular Payment will equal the amount of your accrued Finance Charges. Term: The draw period will extend to the first day of the month following execution of the loan documents plus ten (10) years.
Balance Due at End of Loan Term: Closing Fees: $612.00
Annual Fee: $75.00
Payment: Your Regular Payment will equal the amount of your accrued Finance Charges. Term: The draw period will extend to the first day of the month following execution of the loan documents plus ten (10) years.
Balance Due at End of Loan Term: Closing Fees: $612.00
Annual Fee: $75.00
Terms and Conditions
| Product | Rate | APR | Points |
|---|---|---|---|
30 Year Fixed Rate Terms and Conditions | 6.500% | 6.631% | 0.000 |
15 Year Fixed Rate Terms and Conditions | 6.000% | 6.211% | 0.000 |
5/6 ARM SOFR Terms and Conditions | 6.750% | 7.500% | 1.000 |
Federal VA 30 Year Fixed Rate Terms and Conditions | 6.250% | 6.567% | 0.000 |
Subject to credit approval. Standard rates apply. Title fees, as part of the closing costs, will vary by county.
Rates are subject to change at any time without notice. Rates and terms are not guaranteed until application is completed and rate is locked by a First American Bank mortgage loan representative. Rates and programs are subject to limitations. Call for program availability. Not available on collateral properties located in Texas, New York, Alaska, and Hawaii. All programs are fully amortized loans that require monthly payments of principal, interest, and any required escrow payments for the term of the loan. The above payments do not include amounts for taxes and insurance premiums. Therefore, the actual payment obligation will be greater. The exact monthly payment of a loan will vary depending on the term of the loan, the amount and the Annual Percentage Rate (APR) at the time of loan approval. APRs will vary due to the cost of PMI (if necessary), title company fees, loan points based on your credit score and actual loan amounts. Available loan amounts range from $30,000 to $2,000,000. Please call for rate information on loan amounts not shown in the table.
Conventional Loan APRs: We assume a 25% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.
Jumbo Loan APRs: We assume a 30% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.
Adjustable Rate Mortgage (ARM) Loan APRs: Amortized for 30 years. The APRs shown are for the initial period and may increase after closing due to the movements of the interest rate index during the rate adjustment periods. Call for information regarding rate adjustment caps and margins.
30 Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.
At a 6.500% interest rate, the APR for this loan type is 6.631%. The monthly payment schedule would be:
- 359 payments of $1,327.33 at an interest rate of 6.500%
- 1 payment of $1,327.05 at an interest rate of 6.500%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
15 Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.
At a 6.000% interest rate, the APR for this loan type is 6.211%. The monthly payment schedule would be:
- 179 payments of $1,772.09 at an interest rate of 6.000%
- 1 payment of $1,771.70 at an interest rate of 6.000%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
5/6 ARM SOFR
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.
At a 6.750% initial interest rate, the APR for this loan type is 7.500%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
- 60 payments of $1,362.06 at an interest rate of 6.750%
- 299 payments of $1,472.90 at an interest rate of 7.625%
- 1 payment of $1,474.25 at an interest rate of 7.625%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Federal VA 30 Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $177,187 and an estimated property value of $235,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.
At a 6.250% interest rate, the APR for this loan type is 6.567%. The monthly payment schedule would be:
- 359 payments of $1,090.97 at an interest rate of 6.250%
- 1 payment of $1,091.20 at an interest rate of 6.250%
The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Terms and Conditions
Lawrence J. Minutillo III was absolutely outstanding! He consistently overcame every challenge I presented, stayed on top of the process, and secured the best loan arrangement we could have hoped for. Thank you, Lawrence—your customer service is truly next-level!
John Francek
I have worked with Larry and his team previously and will continue to do so in the future. He is truly knowledgeable and is always willing to assist with any questions I may have.
Francisco Torres
Larry made getting a HELOC super simple! I was on a time crunch to close on a property and he got it done with time to spare! I Absolutely recommend Larry Minutillo from First American Bank!
Greg Olsen
A great resource for a HELOC! Larry is easy to work with and gets things done fast.
Eric Schupp
All Reviews
Lawrence J. Minutillo III was absolutely outstanding! He consistently overcame every challenge I presented, stayed on top of the process, and secured the best loan arrangement we could have hoped for. Thank you, Lawrence—your customer service is truly next-level!
John Francek
I have worked with Larry and his team previously and will continue to do so in the future. He is truly knowledgeable and is always willing to assist with any questions I may have.
Francisco Torres
Larry made getting a HELOC super simple! I was on a time crunch to close on a property and he got it done with time to spare! I Absolutely recommend Larry Minutillo from First American Bank!
Greg Olsen
A great resource for a HELOC! Larry is easy to work with and gets things done fast.
Eric Schupp
Larry was absolutely fantastic to work with. His knowledge was instrumental in helping us make the right decision, and he was very patient with educating us along the way. Larry is very personable, easy to work with, and was an excellent communicator throughout the entire process. I cannot recommend Larry and his team highly enough. I would happily refer Larry to any family and friends looking for any type of loan.
Nick Belanger
Larry is an excellent communicator, he worked hard to meet our tight closing date, made himself available for questions or concerns nearly 24/7, and was very patient and willing to explain things to us that we didn't understand. Highly recommend!
brittany sahatjian
Larry and his team were very knowledgeable, responsive and easy to work with.
Virgil Rutili
Larry was very easy to deal with and very helpful throughout our re-fi process. And he was extremely responsive when we had questions.
John Fitzgerald
Quick and painless transaction. Larry was so to work with. I highly recommend First American
Linnea Apostoli
Larry is the man, you are in good hands. He helped answer basically every question I had which was A LOT I think. He was pretty much available at all times for a call, text, or email. I switched up what I wanted to do multiple timses. He was very flexible knowing you have a work schedule and things to do also. Larry genuinely seemed like a good guy from the short time I got to know and work with him. He even drove down over an hour to be there for the closing because he wanted to be there. I definitely plan on working with Larry for all future purchases and will refer him to friends. That is, if he gives me a discount on points next time 😉
Jeff K
Larry was an amazing help with the home buying process! The process went smooth and easy with his guidance.
Tommy Louch
Larry is a Go-To Loan Officer. He is simply amazing to keep us up-to-date loan status and paperwork. We went through almost a year of challenges to close the loan, but Larry was persistent enough to go above and beyond with us to finally close our dream home. If you're first home-buyer or having foreign status, Larry is definitely a person to reach out to!
Van Tran & Nhan Nguyen
Larry was fantastic to work with on the purchase of our new home. I worked with Larry to set up a new mortgage loan through First American and couldn’t be happier with his service and First American Bank. Larry was extremely responsive and timely in answering our questions and helping us through the home loan process when needed, and he stayed that way throughout the entire process to closing (which happened on time). I would work with Larry again in the future and would recommend him for loan servicing. Thanks so much Larry!
Leo Petrucci
I opened a HELOC with Larry; he made it an easy and enjoyable experience. I highly recommend working with Larry.
Kim Scott
First American Bank had the best rates. Larry did an amazing job and helped out the entire process.
Steve Mieszaniec
Even though Larry and I have never met in person, he was very thorough on executing our loan. He was responsive in a timely manner to get back to us with any questions or concerns re our heloc. Would definitely recommend Larry M to other friends and or clients. Very pleased with the overall experience. Larry nailed this loan. Thank you again. C.L.
Christopher Luczak
I had a great experience working with Larry. He is very professional, communicative, and knowledgeable. He helped our transaction move quickly and smoothly. I highly recommend him.
Mitchell Karbin
Larry was beyond excellent to work with during the purchase of our new home. He is more than willing to go out of his way to answer any question you may have through the closing process and explain it all in a way you can understand. This was helpful considering this was our first home and a lot of new information we needed to learn. Another bonus is Larry is incredibly accessible. I felt like I could call him anytime and he would help me with just a worry that I had.
Anthony Anderson
Larry made the process efficient and provided great explanation/support navigating an already stressful process.
Elizcia Carrera
First American Bank is wo derfhl, but, most of all Larry Minutillo, he explains everything, is very patient Friendly, knowledge, the best banking experience.
Patty Cekis
Larry was wonderful! Extremely kind and professional from day 1 all the way to the closing table. If you are looking for a lender, look no further!
Kristin Brady
Larry made the HELOC process so simple. He was very attentive, explained things clearly, and provided outstanding personal service. I would strongly recommend him as a mortgage lender.
Joel Kuchan
Mr. Larry Minutillo was very professional and helpful through out my loan process. He always kept in communication with me and answered all my questions. I had a great and positive experience with Mr. Minutillo. Thank You for all your help!!!
William Rodriguez
Larry and his assistant Pat were very diligent in moving the process along. I appreciated their concern and open communication style.
Thomas Giebel
Larry is wonderful to work with! We were referred to him for a HELOC. From the very beginning, he helped us understand the details, process and requirements. He kept in touch with us every step of the way and was very responsive to any inquiry we had. He truly is a trusted advisor and we highly recommend working with him!
Allie H
Larry helped me with my refi every step of the way. I had a lot of obstacles in my way which delayed the process for over a year. Larry did not give up and helped me through it all!
Lisa Martin-Eatinger
Larry was great through every step of the process of buying our home! Always helpful and answered all our questions quickly. It can be a stressful process to buy a home but he made it simple and enjoyable. Highly recommend next time you need a home!
Abby Hartman
Larry was a pleasure to work with. He answered all of my questions promptly and made sure I did everything I needed to do.
Clara Sauerman
My husband and I recently opened an equity credit line with help from Lawrence. He was very professional, always available by phone, kept us informed at every step of the process and made every part of the process as easy and convenient for us as possible. Thanks Lawerence for keeping us on track and making things so clear. We are very happy.
Suzy Brown
We highly recommend Larry as he was very attentive to our needs, prompt with the entire process and always communicated in a timely and precise manner.
Sylvia Castellon
Larry helped me apply for a HELOC. He helped make the process clear and understandable while helping me through each step.
Craig Jakobsen
I have had the best loan experience working with Mr. Minutillo. He was always accessible, and kept me informed through every step of the loan application process through completion. I would highly recommend Larry and First American to family and friends.
Antonio Jimenez
Larry was truly exceptional! His expertise and commitment to our needs made the loan process a breeze. He turned what could have been a daunting task into a seamless experience. I wholeheartedly recommend their services for anyone navigating the loan process.
Ryan Fitzpatrick
Larry Minutillo was a pleasure to work with for my mortgage. I felt that I was a bit needy with so many questions, but he assured me that it was just part of the job. Larry made the process very comfortable and quick. I would definitely recommend First American Bank and Larry Minutillo to others.
Kathryn Zemaitis
Larry was wonderful to work with. Easy, efficient, and worry free process. Thanks again!
Tina Hristova
Larry is the best! We’ve worked with Larry for years, first to refinance our home mortgage and then later for a HELOC for home renovations. Larry is exceptionally knowledgeable and really goes out of his way to ensure you are not only getting the best quality service but also the best possible outcome to our home finances. And as busy as he is, Larry always makes time for us and follows up to see if we need anything or have questions. we’re thankful to have someone we can trust!
Erica Zuniga
Larry was a perfect communicator and extremely detailed. He worked with us to overcome some unusual circumstances regarding our refi that bundled our existing mortgage and Home Improvement line of credit. We could not be more pleased with his attentiveness and attentions.
Rick Baumgarten
Larry was very knowledgeable and helpful during the entire process. He answered all my questions and was very supportive. I would highly recommend him and will use him in the future.
Sandy Everds
Larry came to me as a recommendation through my financial adviser. After years of listening to First American Bank radio commercials, it all rang true. Larry was excellent. He thoroughly explained the HELOC process. He was my only contact at the bank, short of the notary at the closing. It was neither complicated nor stressful. I would recommend Larry without reservation. He is a pro and cares about what his work and clients.
Karen
Larry did a phenomenal Job and was attentive and professional throughout the entire process! I highly recommend!
Vince Barraco
Larry made our financing experience seamless and very convenient. He answered all of our questions and concerns. The process was smooth and painless. We would recommend First American Bank for all banking needs. We've been a customer for more than 20 years and will continue to bank with them. Thank you, Larry!
Rob Biedermann
Larry Minutillo processed our home loan for us (we had previously worked with him on our mortgage refinancing prior to our move & purchasing our new house in Florida). I can say with 100% certainty that Larry is the consummate professional. He is on time, detail oriented, and extremely well organized. He tells you everything that you will need to make the closing to go through in a timely manner and will stay in touch to answer questions even in the evening & on Saturdays. Without hesitation I would recommend Larry to finance a new purchase on a home or refinance your current mortgage. We are so glad to have had the opportunity to work with him.
Carolyn D
Larry was a wonderful partner on an out of state home purchase. Very responsive and knowledgeable throughout the entire process. He and his team made it quick an easy for an efficient transaction and timely close.
william james
Best Mortgage experience I ever head. Larry made everything quick and easy always gets right back to you with answers to any questions. Thank You Larry
Thomas Orsi
Larry was great to work with and very responsive to my needs. I felt I was in constant communication with him throughout the loan process whether it be via phone, text or email. Highly recommended if you are in need of financing.
Jim Ramberg
Larry is a constant source of calm and consistency. At every turn, Larry is quick to provide answers and to offer hands on guidance to our clients. I would recommend him highly!
Tracey Rapp and Associates
Larry is great and I recommend that you work with him if you have the opportunity. He doesn’t oversell or undersell, he just gives you the facts. He is responsive. He keeps you updated. You can tell he’s a good person. Thanks Larry!
Jassen Cho
One of the best loan officers I've worked with. Process was fast, easy and professional.
Enda McGrath
Larry was wonderful to work with. As a real estate agent, I'm looking for a loan officer who is accessible, responsive, communicative, and knowledgeable. Larry is all of the above and more. Most importantly he got the transaction closed quickly. I would highly recommend him to my other clients.
Jamie Rossi
Larry Minutillo is a phenomenal loan officer. Very responsive and knowledgeable, with the skills to close loans in multiple states. When we ran into an unexpected title issue two days before closing, Larry and his team handled the issue with ease and care, with clear and quick communications. We were able to resolve the issue between all parties and close on time. I highly recommend Larry for home buyers in both Illinois and Florida!
Annette Worth
We had to buy a house for my elderly father. My father did not have the funds to purchase on his own. So, we turned to Larry who turned us onto a program so that we can get a lower interest rate on the property. Larry made things easier and made the deal happen. We did not have any problems. Unlike other horror stories Larry ALWAYS called back and he showed up at the closing to make sure everything matched as promised. Kudos to Larry!
Robert Groszek
Larry handled my loan in a very professional manner. He explained every important detail of the loan. Answered many questioned I has . I felt I was in very good hands. very quick on closing my loan I would highly recommend him to all my friends.
Ginny Dubberke
Working with Lawrence J. Minutillo was a pleasant experience. He guided us through all the processes and followed up frequently. I would certainly recommend him to others.
John Lauderbach
Larry is the best! I would recommend him out of anyone to help with a purchasing, refi, HELOC investment. He's very knowledgeable in this industry. He's also just a great person. Thanks Larry for all your help and just being you!
Brittany Vallas
Larry was a pleasure to deal with during our loan processing, he was very responsive and clearly explained all of the steps in the process. He made the entire process go very smoothly, and he was very easy to deal with, I highly recommend him.
Mary Lezon
Larry was incredibly easy to work with. He was organized and clear about the entire process. If you need help with a mortgage he is the best I have worked with
David Mousseau
Larry went above and beyond to get my mortgage loan to close successfully. He is highly committed and personally engaged with me every step of the way and was very responsive with calls and emails whenever I had questions, even on weekends! This is not a common trait and I highly recommend his services and will be happy to have him as my mortgage loan officer in the future, should the need arise.
Chi O.
We received excellent customer service from Larry. He always provided fast responses to our many questions and was there for us at all hours of the day. We highly recommend him.
Nancy Mose
Larry was great to work with—fast, responsive, and helped us get exactly what we needed!
Beth Shepherd
Great source of information. Knowledgeable and very responsive. Larry was a great guide throughout the entire process. I look forward to working with him again in the future. And I've already recommended him to friends.
Kenneth Varner
Larry truly exceeded our expectations during a recent real estate transaction for a client our law firm represented. His professionalism, timely communication, and deep understanding of the mortgage process made the experience seamless for our buyer. Highly recommend for his outstanding service and dedication!!
Isa Ranjha
Mr. Minutillo was very helpful getting us a bridge loan to get finished with one bank and finally paying off everything within three years. He got us the best rate, a great deal and great to talk to and work with.
Dan Schmitt
Larry was great, very attentive and informative. Made the loan process easy. Highly recommend.
Jason Brushaber
Larry Minutillo was excellent. He was knowledgable, helpful, respectful and efficient.
Patricia Eitz
I was getting discouraged about mortgage lenders and then I met Larry. He walked me through my options and helped me make a great decision on how to refinance my condo for the cash I needed. I got a good rate and lots of good support as well. I highly recommend him!
Jennifer Mueller
Larry is a great person to work with. He is very professional and personable.He’s quick to respond to messages and made the whole loan process a breeze.
Kim Boyd
Larry is amazing and dedicated in delivering superior customer service for his clients! From beginning to end, Larry was phenomenal to work with in securing our loan. We worked with him on a challenging loan scenario and he's a champion!
AK M
Larry is great to work with! He is very knowledgeable, diligent, patient, and trustworthy! He makes himself available whenever I need to ask questions about the home loan and he gives me direct answers. He facilitated a smooth application process all the way to closing of my loan. My wife and I are very happy and satisfied customers! We are highly recommending Larry Minutillo for any of your Mortgage Loan needs! Thank you again Larry! -Leo Geronimo
ric ger
My husband and I had the pleasure of working with Larry for our HELOC. We've been through a few banks prior with no luck on getting the funds we needed. Not only was Larry efficient and professional but we both could not believe how quickly Larry got us closed. From start to finish the process only took 6 business days. To us there is no one else that we will ever go to for financial services. We look forward to working with him in the future. We have already referred him to our friends, co-workers and family. Thank you again, Larry!
Telly Dambra
Larry was great. Knowledgeable, responsive and kept me on track. He even sent someone to my house Friday night to sign paperwork!
Amy Calvert Garrigues
Larry continues to amaze us with the speed, accuracy and quality of the mortgage process. This is the third loan Larry has handled for us. You are dealing with a pro whose mission is to serve your best interests in a timely manner. First American has designed and built a mortgage loan application processing system that works for you. We uploaded pdf of all the necessary documents. The system allows you to pick up where you left off. No need to do it all at one time. Turnaround time on the application to appraisal was a couple of days. Application to commitment was about two weeks.
Peter Desmond
Larry was extremely helpful and a pleasure to work with! We had a very quick turn around before closing and he ensured everything went smoothly.
Jonah Goughnour
Larry was very responsive and knowledgeable throughout the application process. I would recommend him to anyone who is looking for a mortgage or other home loan product.
Manuel LINDEKEIT
Larry is the best! He is knowledgeable and responsive (day or night, weekdays or weekends). He fights for his Clients to get the best deal possible. I had a complicated situation for a refinance with a divorce and Larry worked with my lawyer and went way beyond the call of duty which took the stress away from me and made the process seamless. I will recommend Larry to friends and only use Larry going forward.
Joe Kreitzer
Larry’s attention to detail and responsiveness was greatly appreciated. I wouldn’t hesitate to recommend Larry as he went above and beyond. His transparency and attention to detail in our transaction was top notch as well.
David Stanhope
I had an excellent experience dealing with Larry who helped me set up my HELOC. The process was seamless and Larry was very responsive and helpful.
K Adler
Larry is fantastic! He explained every step in the refi process & was able to get me an amazing interest rate. Larry is personable & gets to know his clients. I never felt like I was just another number to him. I highly recommend Larry for any mortgage needs.
Chris Galvanauskas
We worked with Larry from out of state and he made our entire process smooth and seamless. His communication was clear and punctual, the document upload/sharing process was easy, and despite not knowing him before, I felt like he cared about us through the whole process. Highly recommend!
Piers Kowalski
Larry was awesome to work with. He was super patient and answered all of our questions with detail. He never pressured us to make a decision but weighed out all of options. Ultimately, he was on our side throughout the loan process. Thanks Larry!
Gaby Wagener-Sobrero
Larry Minutillo was thorough in communicating to complete my mortgage loan; dealing with all the paperwork, documents and lawyers. He was with me through the closing date and signing documents; and he didn’t have to. Yes, I am satisfied with my mortgage rate. So thank you Larry for all your help.
Monina Esguerra
Setting up a HELOC with Larry was such a smooth and educational process. He answered all my questions and concerns. From the first phone call to the closing Larry was always a phone call away with any question I had. He was always very flexible with my crazy work schedule. 10 out of 5 stars.
Rj Nelson
working with Larry was really good experience he keep me up to date with getting a home equity loan was able to answer all my questions that i had right away by email or phone call same day . definitely will recommend him if any one need help. thank you again Larry
ricardo zayas
My home needed some major updating and a loan to pay for it. Larry Minutillo at First American Bank assessed my financial situation and advised me to apply for HELOC. Larry was so professional and pleasant to work with as he patiently walked me through the entire loan process which only took a few weeks. Thanks to Larry and his great advice, my remodel project is underway with an affordable loan to pay for it!
Basila Deany
Larry is a very dedicated and attentive loan officer. He really went above and beyond to help me with my loan application. He is personable and responsive. I would highly recommend reaching out to him.
Geoff Zoeller
We had the absolute BEST experience working with Larry Minutillo at First American Bank! From start to finish he explained everything and was more than happy to answer any questions. He made the whole process so quick and simple! It was such a major difference from the first company, Rocket Mortgage, that we had originally contacted. We had such a negative experience with Rocket that we were nervous to work with another lender. Larry put those nerves to rest after the first phone call. He always thoroughly explained everything and checked in with us multiple times along the way to make sure everything was proceeding smoothly. Larry is honest and upfront. If we needed to get in touch with him, it was as easy as dialing his number or sending an email. He always answered, no run around. We’re so thankful Larry was recommended to us. He not only got us the loan amount we were looking for but he got us a lower rate, affordable monthly payments and no closing costs. It was a night and day experience from the previous lender. It was so refreshing to work with someone so genuinely nice and eager to help. Someone you can trust, that has honest work ethic and integrity. We are so grateful for Larry’s guidance, professionalism and expertise. There would be no hesitation to work with him again or recommend him to anyone. Larry you rock! Much thanks!
Katie Mondello
Very great experience. Great communication, amazing follow ups and always there to answer all our questions.
Andreas & Erika Frey
Larry was a joy to work with and the entire process from the application to closing was very smooth.
Imran Hasan
He made the whole process very easy and I was able to close my loan very quickly too thanks to him.
Lynn Haschak
Larry is absolutely amazing. Larry has been my loan officer for not one but two loans and I would recommend him to all of my friends. He is very attentive, answers all questions in a timely manner and is very good at putting you to ease because loans are a tricky and potentially scary thing. GO WITH LARRY!!!
CoachJennMyzia
Throughout the decades of owning my home, I sought the convenience of equity loans for remodeling projects and for big ticket purchases. Recently, I advised my daughter to get an equity loan to remodel the kitchen and baths in her home only to find that the big banks no longer offer them. In our search, we were connected with Larry Minutillo from First American bank who quickly understood my daughter’s financial needs and offered a great deal on a zero-fee home equity loan. Larry made the process effortless and kept in contact with us every step of the way. With my years of experience, it was obvious that we were dealing with a seasoned loan professional who knew the answers to our questions and didn’t have to say let me find out and I’ll call you back. At one point, I was talking to Larry on speaker phone and my brother overheard the conversation and said, “He sounds like a really nice guy” and I responded, “He sure is.” Thanks to Larry’s expertise and warm friendly personality the loan closed last week, and we are thrilled.
Rita Deany
Larry was extremely professional and always here to help at anytime of the day if i had questions. 10 out of 10 experience, made the whole process quick and easy.
BIackOps lI
Larry was fantastic to work with. My mortgage had some unique challenges and Larry was able help me work through all of them to a successful outcome. I would highly recommend Larry!
Gary McLaughlin
Larry was communicative, prompt, and professional. The process was much easier and quicker than I had anticipated. I was very pleased with the service I received from Larry.
Christopher Nelson
First time getting a home loan made easy! Mr.Minutillo was a great recommendation, very accommodating and great at his profession. Will definitely be returning for future projects.
Romario Mendoza
It was great having Larry on my team during my condo purchase. He provided great knowledge and expertise throughout the process. I am grateful for his assistance and would definitely recommend.
Gustavo Chaves
Larry Minutillo shepherded me through the whole process of refinancing my mortgage. I was very nervous about doing this without some help and he worked very hard to get my monthly payments to where I was comfortable with them and keep the interest rate as low as was possible at the time. He even made it a point to come to the closing so we could meet in person. I highly recommend contacting him if you are in the market for a mortgage. You won't be disappointed. In addition to doing his job most efficiently, he's a very nice guy!
Roberta Heiman
Great guy who helped us with our mortgage refinance and home equity line. A patient man who walked us through all the steps, sometimes more than once. Made our first time mortgage experience a lot less scary than we thought it would be. Highly recommend.
Edward Scribner
I highly recommended Larry for mortgage loans. He is super dedicated, experienced, and patient. My mortgage process went smoothly thanks to his timely responses and helpful reminders. He also explained everything clearly and patiently.
Thao Cao
Larry is great - communicative, diligent, and timely with all loan related needs. I am glad we found him and would recommend him to any friends or family!
Ryan Moline
As a first time home buyer, we had a lot of questions and Larry helped us through the mortgage process and felt like we got a great deal! We truly had a great experience with Larry & his team. What I appreciated the most was their expertise, attention to detail, fast response and professional customer service has made them the best lender to work with. They kept us up to date with updates and any new change to the process of our loan, and even worked on our loan during the weekends. To top off our experience, upon closing on our home, Larry surprised us with a special bottle of wine from Napa Valley. Thanks again for everything Larry, we will be certain to tell all of our friends and family members about you!
Anais Avitia
Just closed on vacation property. Larry & 1st American Team were top notch - very knowledgeable and ultra-responsive. Highly recommend!
Ray Ellingsen
Larry is professional, responsive, and extremely knowledgeable -- highly recommended.
Charles Roichek
We had a great experience with Larry on our home equity loan. No pressure, timely communication, and very respectful. We will be doing business with First American and Larry again.
Mike Siegel
Larry was excellent to work with, we were anxious as this was an out-of-town loan, but he made the process so seamless. Excellent job and was very informative throughout the whole process.
Valerie Buss
Larry was so helpful with our home equity loan! He was really patient with us too, we had multiple salary changes and job changes that required him to keep re-submitting our paperwork. He helped the process go smoothly and is so friendly. Everyone at the St.Charles branch has been great as well. Daphne helped us at our closing and I really couldn’t have asked for a better experience. Thank you!!!!
Elizabeth Schwebemeyer
Larry was the perfect loan officer for my clients. Throughout the process he was transparent with important information, diligent in finding creative solutions to any issue that arose, and highly communicative with all parties. He made the loan side extremely easy!
Amanda Stolee
Great service and communication! I had a situation in which I needed to close quickly over the holidays and Larry facilitated a really smooth transaction.
Michael Kupkowski
We needed a loan for a 2nd home in Florida. The process was more complicated than the usual local loan, but Larry was great in explaining our options and finding the best available rate. It was much better than the first option offered by a Florida broker I dealt with for the construction loan. Larry and Patricia stayed on top of each step we needed to complete so that all of the documentation was completed on time. We would definitely recommend Larry and the support staff.
Bill Friis
Working with Larry made everything run smoothly. He explained the process step by step and always followed up on document signing and deadlines for signatures. We were on a tight schedule regarding timing of a construction loan and transfer to a regular mortgage and Larry made sure all the paperwork was done on time so we did not incur extra charges on the construction. A true professional I would not hesitate to use in the future.
Carol Friis
Larry is absolutely fantastic! He was recommended by my realtor and I spoke to him just to get a second opinion on my potential mortgage. I was planning to go with Rocket, as I did for my first house, but Larry's service was unmatched, AND he was able to get me a great rate and a lower amount of money down at closing! What really makes Larry stand out is his availability - you can email or call whenever and you know you will get a reply very quickly. Having a local mortgage loan officer makes the process so much easier, since you are dealing with just one person the whole time (rather than getting passed around) and he knows all the quirky Illinois rules.
Lita Sacks
We closed on our mortgage with a smile on our face. The entire process was flawless, and we were kept in the loop throughout the entire process. Larry was outstanding, and has the type of work ethic that makes him an terrific representative of his bank.. Thank you Larry for caring, and treating us with respect.
Franci Galinsky
I worked with Larry over the past two years on a refinance and home equity. Larry is a true professional, always responds quickly, knows his business solid and offers great advice and suggestions. He is very pleasant to work with and I’m glad I worked with him as he did everything quickly and efficiently! I’d recommended Larry.
Juan Cortez
Having grown up in Chicago (but living in Las Vegas for 18 years before moving back in 2021), I’ve always enjoyed the funny tongue-in-cheek commercials First American Bank had been running on the radio for decades. When I decided to seek a HELOC for the home we bought with cash, so that we could make improvements to the home without digging into our retirement savings, First American Bank came to my mind immediately. Larry Minutillo was quite prompt in responding to my inquiry on-line on a Sunday afternoon. He emailed me immediately and said he would call within two hours. Indeed he did and he made the entire process smooth and simple. Make First American Bank your “go to” for your banking needs with total confidence.
Jean Borre
Larry was professional but still personally involved from the start of what can be a very daunting procedure. Thank you so much Larry. Kathy
Kathy McGuinn
Just bought my 1st home using Lawrence J. Minutillo, III at First American Bank, he was more then helpful and always available to answer my many many questions day/night weekday_weekends it didn't matter when I reached out. I'm very thankful!
Lisa P
Great lender! Assisted in a client's first-time home purchase and offered many great loan packages. If shopping for a home, give Larry a call!
Amanda Surber
Larry Minutillo did an excellent job for clients of mine. He truly helped them win a multiple offer. I highly recommend him.
Debbie Croft
Larry was very helpful to me over my never-ending search for a house. He checked in with me weekly, kept me updated on the rates, and helped me figure out calculations. He is very knowledgeable and caring. I highly recommend Larry!
Gina Panozzo
Larry was very helpful and was available when we call. I will be doing more business with your bank. Al Clark
Alfred Clark
Larry helped us on every step. He made the process quick and simple. I would recommend him first to my friends and family!
dana holland
Larry made the whole loan process smooth as silk. He exhibited patience while my wife and I found our vacation home. He kept us informed of the next steps in the process and the technology to upload, review, sign, and approve documents was convenient. It blew me away that Larry attended our closing 2 hours from his home. An awesome experience! This is my 3rd loan with First American, the previous 2 being home equity loans. Thank you Larry!
Mike Cavanaugh
Larry was a dream to work with. He was so diligent in making sure we closed on time and made sure we got all our questions answered in a timely manner. He took the time to explain the process to us in a clear and concise way. Home buying is stressful and scary. Larry made the process easy and exciting.
Kelly Burnett
I applied for a HELOC with First American Bank on November 1, 2022; after having a terrible experience with Fifth Third Bank. I closed on my HELOC with First American Bank on November 25, 2022. The whole process from A to Z was easy as it could be, and I closed in less than 30 days. Larry Minutillo, my Loan Officer with First American Bank, is as professional as they come; very knowledgeable in Mortgage Banking procedures and a very personable gentleman. Because of this excellent experience with Larry and First American Bank, I will probably be closing all of my banking accounts currently with Chase Bank. J. David Stokes
J. David Stokes
I was introduced to Larry through my buyer/client. Larry was awesome to work with! He was always available and made the closing process simple and easy for the buyer and he kept me informed the entire time. Kudos to a great job, customer service and professionalism.
Alex Tzallas
Larry was the absolute best!! He really took his time to help me take my first step into my first home. It took a pretty long time to buy my home, but Larry was with me every step of the way, so helpful, patient, and always checking in to make sure everything was going smoothly. I know he made sure I got the best possible outcome and I'm truly grateful for how well he worked with my realtor and I. As my friends and family say, he's invited to the cook out! :)
Ashley Schraub
Larry Minutillo was great to work with. Helpful and available at every turn.
Dale Bottcher
Larry was fabulous from start to finish. Highly recommend. First Am also has convenient locations around the city of Chicago and surrounding areas.
Skate Eighty8
We have used Larry Minutillo for our 1st mortgage and now our HELOC. He is truly the best around. He is very knowledgeable, honest and diligent. He wants the best for his clients and will go to bat for them. Anyone who has gone through the mortgage process knows how painful and stressful it can be… Larry walks by your side through the entire process, start to finish. Highly recommend him!
Michele Mieszaniec
Larry is an amazing banker, very responsive, relationship focused, so friendly, returns calls quickly even on weekends and evenings, he is very rare as a banker and it is such a pleasure to deal with him. I would highly recommend him at First American Bank
A G
From start to finish Larry was pleasant, informative & responsive. It was a pleasure working with him.
Carol Skordalos
Lawrence is very responsive to calls and emails and was able to get the loan closed on time!
Marc Gugliuzza
Larry was great! Answered all my questions and concerns when setting up my HELOC. The paperwork was easy to sign and the portal easy to access. Larry was very accessible and kept me in the loop throughout the whole process. He was able to find me a local branch to execute the Closing paperwork & they were great too (Kyle LeGrone 33 S Wacker Chicago) Such a pleasure to work with Larry, I highly recommend First American Bank BECAUSE of Larry Minutillo. Thanks Larry! Tammy Mauriello
Tammy Bichon Mom
Really good experience. I was kept informed of everything along the process. Larry is professional, knowledgeable and very personable. I would definitely recommend working with him.
Janet Vasilenko
Larry was amazing from start to end and even communicated after closing to insure everything had gone well. Larry is professional, dedicated and efficient . He explains his products very well and provides you with a variety of options. Throughout exploring the product that best fit my situation I never felt pressured which was a huge plus!
Miguel Maldonado
Extremely knowledgeable and helpful. Great communication regarding all questions and inquiries.
Jan Seratt
Larry is exceptional and easily one of the best bankers I’ve come across. He strives to make the experience an enjoyable one. His extensive knowledge and patience made us buy our first home with ease. He simplified everything and we were ready to close in less than 20 days coupled with really competitive pricing. Thank you Larry for being a thorough professional, You deserve a 1000stars and more.
Gizelle Colaco
It was good working with Larry. First off, he always returned my calls. He really knows his job and more. He was always prompt and efficient. He was very professional and accessible. I closed in less than twenty days because of him. I was more than happy.
Adrienne Casey
Larry helped me out to get HELOC from First American Bank. He is very kind and responsive that I got prompt and comprehensive answers for my questions even over weekends. Thank you so much Larry, it was a great experience for me to work with you.
Mustafa Kadioglu
My family and I are so very grateful for all the help we recieved from Larry during our home purchase. He was very helpful, very detailed, and very patient with all of our questions. We were first time buyers and didn't know where to begin. Larry thank you so much for everything! It has been a pleasure! We are so excited to be in our new home. We would not have been able to this without you.
Maria Teruel
I'm telling you -- Larry (Lawrence) Minutillo is exactly what you've been looking for! We tried working with two, maybe three other lenders before finding Larry and right off the bat, we knew we had FINALLY found the guy for the job. He was friendly, understanding, and confident. We had a difficult lending situation with my unique job and paychecks and my fiancé's complicated half contract/half salaried job. Larry didn't even blink at the challenge and never gave up on us. He helped us secure the home of our dreams! I rave about him and my experience with him and First American Bank to all my friends and family. Consider yourself lucky to get a lender who cares as much as he does. Thank you so much, Larry!
Kristen Beck
Thank you Larry! Easy, efficient and thorough process with Larry! I recommend him highly!
catherine carey
Did my 5th transaction with Larry. Minimal effort on my side, maximum on Larry's, quick and easy. Highly recommend.
Yuriy Sadovskyy
Larry and his team was so responsive and helped us make sure we were on time during the entire process for our financial loan of our new home. Would absolutely recommend and a pleasure to work with!
Jenisa Leagnavar
I would highly recommend Larry as a loan officer. He was very professional and kept me informed of what I needed during the whole process. Also he was always quick to respond when we had questions. So nice to find someone so good at his job!
John Wielosinski
Happy to have Larry work on this deal. It was a very complex file and he handled it with complete care from start to finish. Highly recommend.
Crystal Tran Team
Larry was great from beginning of process to the end. Not having moved in many years the process was very different. He informed me of everything needed and where along in the loan we were. He was always very friendly and put me at ease when I felt stressed. I would highly recommend him as a loan officer.
Barbara Wielosinski
Larry is exactly what you want your mortgage loan officer to be- available and responsive. He is proactive in identifying new opportunities. Larry will walk you through all the details, if necessary. Besides being extremely good at his job, he is also a nice and friendly guy.
Bryan Robson
Larry Minutillo puts 100% of his effort into servicing the loan. He never stops looking for the best options for his clients and his level of service is phenomenal. Not only has he helped me personally refinance, but as a Realtor, I have referred him to my clients with rave reviews about his level of service and competitive loan options. It's nice to feel like someone is in your corner guarding one of your most lucrative assets.
Rada Duvall
We had excellent experience with Larry Minutillo. Not only was he very knowledgeable but he was also so friendly and approachable. No question was too small or silly. Excellent communicator and constantly updated us throughout the process. I would definitely recommend him to others whether its their first time or more experienced borrowers.
Rosa Ramirez Richter
Larry is the best! He was with me every step of the way, guiding me through the process as a first time home buyer. I had A LOT of questions throughout and it was a great feeling knowing I could trust the knowledge and expertise he offered. I also appreciated how incredibly responsive Larry was. He always answered my calls, texts and emails promptly! It truly was a wonderful partnership and I will be forever grateful!
Nicole Incandela
Just completed a residential real estate transaction with Larry and the process was very smooth and extremely professional throughout. Highly recommend Larry and his team.
Mark Schottler
A realtor friend of mine referred me to Lawrence J. Minutillo for a client who needed a mortgage on a somewhat complicated transaction. I had not worked with Larry before, but I can tell you he will be my first call for future loans for a client or me. Larry worked through each step of the closing in a timely manner, always reporting back to me so I knew exactly what was going on and what was needed, and he also kept my client up to date. The client was also very impressed with Larry as well.
Sandra Burns
I worked with Lawrence on a loan application. He provided excellent customer service by paying attention to details and expertly guiding me through the process. He was always quick to respond to my messages and offered recommendations when needed. I would definitely recommend his services.
Zapha Wint
Larry is the best Mortgage Loan Officer I have ever dealt with. Of the many properties my wife and I have purchased, over 50 years of marriage, Larry made this last property purchase the best. He is hard working, fair, thorough, reaching in depth to make sure your needs are satisfied. I just wish there were more stars we could give him! Deborah and George Woods, MD
George Woods
Larry is the BEST Loan Officer EVER! My husband and I needed to open a HELOC and Larry helped guide us through the entire process. His knowledge, professionalism, and most importantly trustworthiness is top-notch. When we had questions, he called back promptly even past office hours. To top it off, we were most impressed with the timeline from application to funding of less than one month. That indeed is GREAT customer service. I can’t say it enough you’re the BEST…thank you for everything.
Sandra Macaraeg
Larry was awesome from beginning to the end of the process. I would definitely recommend him.
Patrice Johnson
Our client used Larry Minutillo. We were all really pleased with his quick responses and getting her through in a timely manner thanks to the crazy market of real estate. He was very thorough!
Becky Gerig The Gerig Team - REMAX Choice
Larry was absolutely great at answering all of our questions, helped us throughout the entire process and was there at the ready whenever we needed any confirmation or explanation, often well beyond traditional business hours and always with exactly the demeanor you would hope for when you’re going through a loan process. We could not recommend him more highly!
William Roberts
Larry was really great to work with on our refi. He is knowledgeable and proactive without being too pushy. I also find that he translates "mortgage speak" rather well so that you understand the nuances a bit better. Also, we hit a snag with some missing paperwork from a past refi, and Larry went above and beyond to resolve.
Laura Goeglein
Larry worked very very hard to make our refinance easy and stress free. I will like to work with Larry again if need be and also recomend him to people I know
Joseph Asiegbu
I am so happy we worked with Larry for our refinance. He and his team were awesome and made the whole process so simple for us. We started and completed the whole refinance within a month.
Arzije Jusufi
It was great working with Larry on my home purchase. He made everything so much easier and went above and beyond every step of the way.
Julie Delvecchio
I have worked with Larry for many years and every single time that I’ve done any refinance or anything that’s got to do with loans he’s been able to assist me and not only assess me but educate me on what my options are to allow myself to feel comfortable on the decision that I’m making to understand what I’m getting into and what my best options are I am hundred percent satisfied with this man helping me out and anything to do with loans I have work With him for many years don’t look any further this is the right man he will help you to make the best educated decision on anything you like to do . Thank you Larry
DANIEL “Vamoscontodo” CORTEZ
Pleasure doing business with you Larry, you really went out of your way to help me with getting everything in order, thank you!
Eric Frank
I appreciate working with Larry Minutillo at First American Bank - he helped me with a condo refinance as well as a home equity line of credit. He's responsive, proactive. He researched what docs were needed and then communicated that clearly. When there was an issue, he was proactive in addressing it (before I even noticed) and took care of it. The rates were also very competitive and clear.
Carrie J
Larry was great to work with. .He made sure I understood the process throughout and helped whenever he could.
Eric Annafi
Larry Minutillo is great at what he does whether it’s your first mortgage or refinancing. We just refinanced and he made it so easy for us to get through the process. In the end he is saving us money and that’s the most important thing for me.
Ketan Mirani
Larry Minutillo is excellent to work with. Works very hard and is a rare 24/7 communication type guy - which I appreciated in keeping my mortgage moving through the process. Very knowledgeable as well as professional and got me the best terms of any bank on my second home refi. I highly recommend Larry and First American Bank for the best possible bank mortgage service!!!!
John Perkins
Larry has been my "go to" guy for all of my clients mortgage needs. "His experience and product knowledge are infinite" and he treats all of my clients with the utmost respect - Patrick - Patrick Real Estate Group of IL
Patrick Brushaber
Larry is extremely knowledgeable and worked around my crazy schedule. He is patient and would take the time to run though options with me in detail. I’d highly recommend him to any of my friends or family!
Megan Kamarchevakul
I can't say enough about the fantastic help Larry was to us during the lending process. He was so patient with all of our questions and was so quick to respond to them no matter what time of day. Larry truly removed the stress from the process.
Carrie Hurley
From start to finish Larry went the extra mile to make my refinance a reality. Larry is kind, dedicated, a great proactive communicator, and as approachable yet professional as they come. I highly recommend Larry for all your lending needs!
James Caruso
I'm telling you -- Larry (Lawrence) Minutillo is exactly what you've been looking for! We tried working with two, maybe three other lenders before finding Larry and right off the bat, we knew we had FINALLY found the guy for the job. He was friendly, understanding, and confident. We had a difficult lending situation with my unique job and paychecks and my fiancé's complicated half contract/half salaried job. Larry didn't even blink at the challenge and never gave up on us. He helped us secure the home of our dreams! I rave about him and my experience with him and First American Bank to all my friends and family. Consider yourself lucky to get a lender who cares as much as he does. Thank you so much, Larry!
Kristen Beck
I'm telling you -- Larry (Lawrence) Minutillo is exactly what you've been looking for! We tried working with two, maybe three other lenders before finding Larry and right off the bat, we knew we had FINALLY found the guy for the job. He was friendly, understanding, and confident. We had a difficult lending situation with my unique job and paychecks and my fiancé's complicated half contract/half salaried job. Larry didn't even blink at the challenge and never gave up on us. He helped us secure the home of our dreams! I rave about him and my experience with him and First American Bank to all my friends and family. Consider yourself lucky to get a lender who cares as much as he does. Thank you so much, Larry!
Kristen Beck
Larry has made our refinance process one of the best we have ever had. He was consistent with communication, told us what to expect and helped us successfully complete the refi process when other mortgage companies couldn’t. I highly recommend him!
Susan M Barber
I was very apprehensive about the process of refinancing. This was the easiest experience I could have imagined. His outside of “9-5” availability ensured I didn’t have to take time away from work. Larry and his team took all my stress and worry away with the seamless system they have set up. I will recommend his service to everyone I know who may be in the process of refinancing their home.
Casey Burns-Thompson
Larry helped us refinance our home to take advantage of great interest rates. A year later, he contacted us to let us of know of a great promotion we were eligible for. We ended up taking advantage of this to do some home upgrades, and Larry went the extra mile to ensure we got the best possible rate on our loan. He has gone above and beyond every time and is great to work with. I would definitely recommend him as a loan officer and First American Bank as a lender for any of your financial needs!
Luke Palumbo
Larry was great to work with! Excellent follow up and we got a fantastic rate on our refinance. I highly recommend working with Larry.
Kerry Murphy
Larry was fantastic. I had some issues pulling all my paperwork together, and he really helped me a lot. Also, I really felt like he was interested in making sure that I got the mortgage that was right for me. Other banks that I tried to work with were far less helpful, and treated me like I was just another file. Couldn’t recommend Larry highly enough.
Blah Murphy
We worked with Larry recently on a home purchase. Originally we were going to refinance and then decided to sell and buy something else instead. Larry did not skip a beat in our decision changes. He was responsive and informative. Any questions we had, he had the answers or found the answers quickly. I would definitely recommend Larry to anyone for their mortgage needs.
Tina D
We tried a fairly complicated refinance with other banks with much frustration and no success. Then we tried with Lawrence and were given Amazing attention, or requests for information we’re answered quickly and completely. And the variety of items wet needed to supply were clearly laid out. I’d recommend him highly and would use him again.
Cinnamon Cooper (cinnachick)
Lawrence Minutillo helped me refinance my house. He is very professional and helped streamline the process to make sure everything closed efficiently and in a timely manner. His passion helped me always feel that he was on my side and he pushed for the best rates. He went over and beyond to fight for my file and always keeping me informed along the way on the best way to respond. I am happy with his performance and eagerness to help at all times. I highly recommend Larry.
djaris yao
Larry made the refinance process seem less. He was very responsive to all of my questions. He was honest and upfront about the fees and got us a good rate.
Elizabeth S
100% recommend Larry to help with mortgage refinancing... From day one , he was very efficient in answering all my questions and concerns. He made the entire process very easy . Thank you Larry M. for all your help and look forward to working with you again in the future !
Silvia Mendoza
Larry is such a great agent. I appreciate all of the work that he did to make my loan possible.
Karis Youngblood
I just recently refinanced my mortgage with Larry! I can honestly say this has been one of the best experiences I have had with any bank so far. Larry made it very easy to understand the process and walked us through it step by step. If you need any help purchasing or refinancing! Larry is the most professional and knowledgeable loan officer you will find.
Nahla Razqo
LARRY IS THE BEST MORTGAGE LOAN OFFICER I'VE EVER WORK WITH. HE WAS IMMEDIATE, EFFECTIVE, AND ENGAGING. THE PROCESSES WERE TIMELY AND HE AND HIS TEAM ENSURED I HAD ALL THE NEEDED INFORMATION THROUGH THE LOAN APPROVAL PROCESS; UP TO THE CLOSING ON BOTH MY PURCHASE AND SELL OF MY OLD HOME.FIRST AMERICAN BANK'S MORTGAGE LOAN PROCESSING IS AMAZING. LARRY AND HIS TEAM HAVE OUR FULL ENDORSEMENT! BRYAN AND MARIA DELMONICO
Maria Delmonico
I had a great experience working with Larry. Very professional, efficient and to the point service. Terms, fees and dates were as promised. Communication and exchange of documents were simple, fun and time saving.I will definitely reach out to Larry again if I need financing and would recommend his service to others.
Margaret Garcia
Larry was the absolute BEST to work with! He’s extremely responsive and will work diligently to get your loan closed as quick as possible.
brittani sanders
Refinancing our loved home with Larry Minutillo was such a breeze!!! Larry took the time to listen to our needs and budget, he calculated the best outcome for us and helped us understand the refinance process from start to finish!! We had many questions while filling out our application and not only was he available, but he was also patient with our questions! Best part, no surprises! All dates, lockdown rates and fees as promised. We are very blessed to have found him. My husband and I are grateful & would give him 10 stars if we could! Thank you Larry!!! Torres Family!
Michelle Torres
Larry was great to work with, he was friendly, knowledgeable and always very accessible to answer our questions throughout the process. We enjoyed working with him and would recommend his services to friends and family.
Kristen Green
I had a great experience working with Larry. Very professional, efficient and to the point service. Terms, fees and dates were as promised. Communication and exchange of documents were simple, fun and time saving. I will definitely reach out to Larry again if I need financing and would recommend his service to others.
Margaret Garcia
Anyone who has ever done this knows it can be a tedious process. Larry Minuttillo at First American Bak made the process a pleasure. Beyond the competitive rate I was offered he and his team were super responsive to any questions I had. Best test of quality is would you go back. I would use them again.
EM S
Larry was a great helping me and my family refinance our mortgage. Easy to work with abs great communication. Made the process effortless!
Selma Kalamperovic
I had the pleasure of doing my Home refinance with Lawrence J. Minutillo From First American Bank . He made the whole refinance process go smooth he was there step by step in explaining the process and helping me with submitting what documents I needed. I would highly recommend anyone who is looking to refinance to please give him a call. Thanks Lawrence for everything I am extremely happy with my new rate at 2.125% @ 15 years. Thanks again for helping me.
Windycity Bull
Larry is a very knowledgeable man,he responds very fast at any questions or concerns. I am glad I got to work with him for my loan.
Nehat Baca
There’s no one else you need but Larry, absolutely no one! He took on my 3 month long dilemma from my previous loan officer who was so unprofessional and wouldn’t communicate at all and Larry found the perfect loan with an amazing interest rate, worked his magic and closed my condo fast and efficiently. Now I have my new home just in time for my newborn baby. Honestly he’s the best loan officer you’ll ever have so don’t shop around just call him up today and know you’re in the BEST hands! I can’t thank you enough Larry, you’re the best! He’s the best!
Lorna Ilene
Larry was a joy to work with. He went above and beyond, was incredibly patient with me throughout the entire process, was insanely helpful when we had a personal emergency and helped my husband and I navigate through that process ensuring there was no risk to the timeline of our rate lock-in, and he did all of this while navigating through the year we know as 2020. In addition to everything, Larry helped us organize a refinance that included an out-of-state signing, and we were able to complete our end from the comfort and safety of our own home - something very important to my husband and I during Covid times. And did I mention his amazing personality? We shared a few laughs along the way. Thank you for all of your help, guidance and support! Dare I say, I'm a little (just a little) sad it's over - and who would have thought ANYONE would say that about a refinance.
Michelle
I cannot say enough about Larry. He was on the ball at all hours of the day and night to assist me in getting this fantastic mortgage rate. He is smart, efficient, courteous, knowledgeable, He is one of the few professionals I would recommend to everyone. If you need a new mortgage go to Larry Minutillo at First American Bank!
Rosine Andre-Trippel
Larry was great to work with through our mortgage process. Expect transparency and timely responses to any of your questions. Larry kept us informed and on track to have a successful close.
Kevin Condon
Larry was quick to respond to all our inquiries, secured us a great interest rate, and worked after hours to ensure everything was in a place for a smooth transition. I recommend both Larry and First American Bank for your mortgage needs. Thank you!
Carrie Wall
Thank you for the making this process sooooo easy! I appreciate the time you spent with me on all my options. I already gave your name to my son and another friend. Anyone I hear even thinking of refinancing I will send them your way.
Susan Walz
Folks: What a great Experience! Larry Minutillo and Staff at First American Bank were outstanding!! From locking in my rate at the appropriate time to making sure all documents were in my possession to sign, made this task so so easy!! I appreciate professionalism and Larry and staff were all that and more!!! I would have given them 10 Stars if it was available!!! Sincerely Roy
Roy MacLaren
Larry knows his stuff, and was very easy to work with. Highly recommended, and will certainly work with him again.
Osman Ahmed
Larry was great! Applying for mortgages can be very frustrating but Larry did everything possible to make it less frustrating. He was so very helpful! I highly recommend him!
Jojo Ford
He was Awesome. He helped me with refinancing my parents home. Any questions we had no matter the time or day he was there to answer them. If you’re looking to buy or refinance your home go with Larry Minutillo at First American Bank and tell him Cristina R recommend you to call him. Thank you Larry for all the help. 10 Stars
Cristina Razo
Larry got the job done after two other lenders failed. He and his team worked tirelessly to get our approval. The biggest name may sound like they are headed into the universe, but if you want a loan done at a great rate, work local and see Larry.
Tom Adams
Larry was very helpful during the process of our refinance. Will definitely recommend his services in the future.
Laura Hellmer
I don't think many people out there have the experience where they can say it was fun working with their loan officer but working with Larry is fun! He felt like he was on my team helping me in a very competitive housing market - he made changes quickly, was very responsive, and ensured a smooth process. My agent, attorney, and title company all commented on how easy it was to work with Larry. He delivers a high level of customer service at all aspects of your loan processing. 10/10!
Kelly O'Shea
The experience working with Larry was a pleasure. He was on top of the process the entire way making the refinancing very simple. Highly recommended!
John S
Larry was easy to work with despite the fact that my wife and I are both self-employed, which makes home loan paperwork more complicated. We are very grateful for his help and the help of FirstAm in getting our refi done at a much lower rate with much lower closing costs than a number of other competitors.
Rick Wemple
Larry was far the best contact I had for First American, every question I had, he answered, it did not matter what time or what day it was, he will answer. I loved the fact that when i will send an email to Larry he will respond within 2 hours max. I wish more people could be like him. to be honest he is the reason why I went through with the loan. every explanation was clear enough that i understood instantly. Thank you Larry for all the help. I will definitely recommend you to my friends and family.
Ernesto D
Larry Minutillo refinanced my condo in Lincoln Park, All I can say is Larry is the consummate professional. On time, detail oriented, and very organized Mortgage broker. He tells you what you need to make the closing to go through in an expedited fashion,and works very hard in your favor to get you the best rate in the marketplace. Without hesitation I would recommend Larry M to refinance/ new purchase home or condo. Pat G. Lincoln Park
PATRICK GOSS
Larry was super helpful through the whole process. Super detailed oriented. He was really easy to talk to. I never felt like he was pushy. He was very direct and honest with all of his reponses to my many questions. This can be a very confusing complicated process and Larry made it easier. I highly recommend him!
Jennifer Kraft
For our home refi, Larry was the utmost professional from beginning to end. He made the process easy and pain-free, and answered all our questions with detailed explanation and clarity. Many thanks to Larry and everyone at First American Bank for their excellent customer service.
william johnson
Thank you Larry for being helpful, efficient, communicative and detailed so that I could refinance - It was a painless process because of you :) appreciated
Dawn vassar
Larry is the best-he takes care of everything from start to finish and super easy to communicate with through the loan process. We refinanced our home during the pandemic and Larry went above and beyond-to ensure that we could do a wire transfer instead of securing a cashier's check and making sure we could complete most of the refi virtually. He emailed us at 10 at night to make sure everything was ok. Thank you, Larry!
Gabi Zolla
Larry was wonderful and super responsive every step of the way for our refinance. He made everything so easy, even through quarantine times. HIGHLY recommend Larry and his team at First American Bank for any mortgage and refinancing needs!
melanie trombley
Larry and his team did a tremendous job with our refinance. The customer service was excellent and we received a great rate. I would highly recommend Larry if interested in obtaining or refinancing a mortgage.
Joe DeMarco
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The staff know my wife and me by name and we're always treated courteously and professionally. I see no need to bank anywhere else.Share Your Story
First American has been our bank going on almost 20 years. Never an issue- always friendly no matter which location. Great customer service!Share Your Story
