As a Vice President of Mortgage Lending and Award-winning loan originator, I know that nobody should go through the home buying process alone. Over the past 32 years, I have been guiding buyers through the financial portion of the home buying process starting from a quick pre-approval to mortgage application right up to the day of closing & beyond. I care about the fact that this is a very important financial decision for you and my experience helps me to understand your goals, allowing me to analyze the best way to structure your loan and determine the best mortgage product for your specific situation, whether you are a first-time buyer or an experienced homeowner.


I take time to help you understand the home buying process by keeping you informed with solid communication throughout the process. I have the experience, knowledge and skills needed to help you achieve your financial goals from start to finish when buying or refinancing your home.

VP of Mortgage Lending

Tricia Schultz is your Crystal Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tricia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tricia at (847) 232-2720 for more information!

Tricia Schultz at Rate (NMLS #200934)

Jerry DuPaw is a distinguished mortgage professional with over two decades of experience in the industry. His commitment to helping homebuyers achieve their financial and housing goals is evident through his work as the Producing Branch Manager at the Rate Algonquin Branch. Jerry's expertise spans a wide range of client needs, from first-time homebuyers and refinancing to individuals seeking Jumbo loans, new construction, renovation loans, and Home Equity Conversion Mortgages for those aged 62 and older. He is particularly dedicated to supporting Veterans with programs such as "Zero Down for Heroes" and offering "No Lender Fees for Vets," showcasing his commitment to those who have served.




Jerry's involvement with the Consumer Credit Counseling Service of Northern Illinois, where he served on the board for over 12 years, including a seven-year term as President, highlights his dedication to making a positive impact in his community. His leadership was instrumental in steering the organization through various challenges, ensuring it continued to serve those in need effectively.




Away from his professional endeavors, Jerry is a devoted single father to two teenage daughters, cherishing every moment spent with them. Whether it's participating in their activities, exploring shared interests, or enjoying quality time together, these moments are invaluable to him. The DuPaw household is also home to beloved pets, each contributing to the family's dynamic and bringing additional joy and fulfillment to Jerry's life. This blend of professional achievement and personal happiness underscores Jerry's well-rounded approach to life, making him a respected figure in both his professional and personal circles.

Producing Branch Manager

Jerry DuPaw is your Crystal Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jerry is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jerry at (847) 815-5628 for more information!

Jerry DuPaw at Rate (NMLS #631478)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Alicia Cardoso is your Crystal Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alicia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Alicia at (312) 752-1524 for more information!

Alicia Cardoso at Rate (NMLS #938248)

Crystal Lake

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3 Loan Officers in Crystal Lake, IL