About Services Process Client Stories Get in Touch

Frankfort Mortgage Professional  ·  NMLS #790795

Your home loan shouldn't
feel like a gamble.

I've spent my career turning one of the most consequential financial decisions of your life into a process that's transparent, strategic, and genuinely calm.

Start Your Application Explore Options

15+

Years Experience

500+

Families Served

A+

Client Rating

Professional mortgage lending office in Frankfort, Illinois

"Chaney made what should have been stressful feel straightforward."

— Recent Frankfort Homebuyer

Scroll
Chaney Abbott, mortgage professional serving Frankfort and surrounding communities

2010

Year Licensed

About Chaney Abbott

A mortgage professional who actually cares about the outcome.

I started in mortgage lending because I saw too many people walk into a closing without truly understanding what they were signing. That shouldn't happen. It shouldn't happen to anyone.

Based in Frankfort, I work with first-time buyers navigating their first offer, families refinancing to access equity, and investors building portfolios. Each situation is different, and each deserves a strategy that fits — not a one-size-fits-all product push.

At Guaranteed Rate, I have access to a broad suite of loan programs and competitive rates. But what I bring to the table isn't just access — it's judgment. I tell you what I think, even when it's not what you want to hear, because your long-term financial health matters more than a quick close.

NMLS Licensed #790795
Guaranteed Rate Affiliate
Frankfort, IL Based

What I Offer

Mortgage solutions built around your life, not a spreadsheet.

First-Time Home Buyers

The purchase of your first home is equal parts exciting and overwhelming. I walk you through every step — from pre-approval to closing — so you feel confident at each stage.

Learn more

Refinancing

Whether you're looking to lower your rate, cash out equity, or shorten your term, I analyze the numbers honestly — including the costs — so you know if refinancing actually makes sense for you.

Learn more

Investment Properties

Building a real estate portfolio requires a lender who understands investment strategies. I structure loans that work with your growth plan, not against it.

Learn more

FHA & VA Loans

Government-backed loans can be the smartest choice depending on your situation. I explain the tradeoffs clearly so you can choose the program that truly fits your circumstances.

Learn more

Rate & Term Analysis

Understanding the real cost of your loan — beyond the rate — is where most people get caught. I break down closing costs, points, and long-term savings in plain language.

Learn more

Construction & Renovation

Building or renovating requires specialized financing. I guide you through construction-to-permanent loans and renovation programs so your project is funded from start to finish.

Learn more

The Process

From first conversation to closing day — here's what to expect.

I've streamlined this process so there are no surprises. You'll always know where you stand, what's next, and what I need from you.

01

Consultation

We start with a conversation — not a sales pitch. I'll ask about your goals, your timeline, and your comfort level with risk. Then I'll recommend the loan structure that actually fits your situation.

02

Pre-Approval

I pull your numbers, run the analysis, and deliver a clear pre-approval letter. You'll know exactly what you're approved for and what your monthly payment will look like — no guesswork.

03

Underwriting & Appraisal

Once your offer is accepted, I manage the file. The appraisal is scheduled, documents are gathered, and I stay in constant contact with underwriting to keep things moving.

04

Closing

You'll review every line item before you sign. I explain what you're signing and why. When it's done, you'll have your keys and the peace of mind that came from knowing exactly what you agreed to.

Client Stories

The results speak for themselves.

"We were nervous about our first purchase — didn't understand half the terms. Chaney took the time to explain everything until it made sense. We closed on time and couldn't be happier."

M.R.

Michael & Rachel

First-Time Buyers, Frankfort

"I refinanced my home during a tricky rate environment. Chaney found a structure that actually saved me money instead of just lowering the rate on paper. That's the difference."

D.T.

David T.

Refinance Client, Crete

"As a veteran, I needed someone who understood VA loans inside and out. Chaney made the process seamless and fought to get me the best terms possible. Truly outstanding service."

J.H.

James H.

VA Loan, Frankfort

Get in Touch

Let's talk about your next move.

Whether you're just starting to think about buying, ready to refinance, or somewhere in between — I'm here. Reach out and we'll have a conversation about what makes sense for you.

Phone

(630) 364-7570

Email

chaney.abbott@rate.com

Office

20 Kansas St Ste 200
Frankfort, IL 60423

NMLS

#790795

Send a Message

I'll get back to you within one business day.

Is this your business?This is my business