{"id":2902,"date":"2025-01-24T13:13:28","date_gmt":"2025-01-24T19:13:28","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?page_id=2902"},"modified":"2025-04-24T12:01:36","modified_gmt":"2025-04-24T17:01:36","slug":"joe-lagiglia-lo-rate-alert","status":"publish","type":"page","link":"https:\/\/www.myoakleaf.com\/pl\/joe-lagiglia-lo-rate-alert\/","title":{"rendered":"Joe LaGiglia LO Rate Alert"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-right:15%;--awb-padding-bottom:40px;--awb-padding-left:15%;--awb-padding-right-medium:30px;--awb-padding-left-medium:30px;--awb-padding-top-small:40px;--awb-padding-right-small:40px;--awb-padding-left-small:40px;--awb-margin-top-small:0px;--awb-background-image:linear-gradient(180deg, rgba(0,59,92,0.75) 0%,rgba(0,59,92,0.85) 100%),url(https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/AdobeStock_494842872-1024x542.png);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-around fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row\"><div class=\"fusion-image-element sm-text-align-center\" style=\"--awb-margin-bottom:40px;--awb-max-width:200px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"369\" height=\"192\" alt=\"Olcm Logo Reverse Color\" title=\"Olcm Logo Reverse Color\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/OLCM-Logo-Reverse-Color.png\" class=\"img-responsive wp-image-2689\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/OLCM-Logo-Reverse-Color-200x104.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/OLCM-Logo-Reverse-Color.png 369w\" sizes=\"(max-width: 840px) 100vw, 369px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-right:50px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:44px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:44;line-height:1.23;\">Sign Up for Mortgage Rate Alerts or a Personalized Consultation<\/h1><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-color:var(--awb-color2);--awb-margin-top:20px;--awb-margin-right:15%;\"><p>With personalized advice and expert insights, Joe can help you navigate rate changes and uncover opportunities to save. Whether you're looking to refinance or take the next step toward your dream home, Joe's guidance ensures you're making informed decisions tailored to your needs.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type fusion-no-medium-visibility fusion-no-large-visibility\" style=\"--button_margin-bottom:30px;\" target=\"_self\" href=\"#signupratedrop\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Sign Up for Mortgage Rate Alerts<\/span><\/a><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;margin-bottom:40px;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-font-size:20px;--awb-text-transform:capitalize;--awb-text-color:var(--awb-color2);--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:700;\"><p>Don\u2019t wait\u2014connect with Joe now and get started!<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-around fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element md-text-align-left\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:250px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:250px;\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio\" style=\"border:6px solid var(--awb-color8);border-radius:50%;\"><img decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-jpeg.webp\" class=\"img-responsive attachment-full size-full wp-post-image\" alt=\"Joe Lagiglia Lifestyle Web\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-66x66.webp 66w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-150x150.webp 150w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-200x200.webp 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-300x300.webp 300w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-400x400.webp 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-600x600.webp 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-768x768.webp 768w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-800x800.webp 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-1024x1024.webp 1024w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/02\/Joe-LaGiglia-Lifestyle-web-jpeg.webp 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><ul style=\"--awb-size:18px;--awb-item-padding-bottom:20px;--awb-textcolor:var(--awb-color1);--awb-line-height:30.6px;--awb-icon-width:30.6px;--awb-icon-height:30.6px;--awb-icon-margin:12.6px;--awb-content-margin:43.2px;--awb-circlecolor:var(--awb-color4);--awb-circle-yes-font-size:15.84px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-envelope fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">josephl@myoakleaf.com<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-phone-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">630-936-3242<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-map-marker fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">24252 W. Main Street Plainfield, IL 60544<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">NMLS #703971<\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-bg-color:rgba(255,255,255,0);--awb-bg-color-hover:rgba(255,255,255,0);--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row\"><div class=\"fusion-menu-anchor\" id=\"signupratedrop\"><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-around fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:10px;--awb-padding-bottom:10px;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-image:linear-gradient(180deg, rgba(227,82,5,0.79) 0%,var(--awb-color6) 78%);--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-right:15px;--awb-margin-left:15px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:22px;\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-single sep-solid\" style=\"border-color:var(--awb-color3);\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:uppercase;font-size:1em;--fontSize:22;--minFontSize:22;line-height:1.5;\"><p style=\"text-align: center;\">Sign Up For<br \/>\nMortgage Rate Alerts<\/p><\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-single sep-solid\" style=\"border-color:var(--awb-color3);\"><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-bottom:5px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:16px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:16;--minFontSize:16;line-height:1.5;\"><p style=\"text-align: center;\">Know When Rates Drop<\/p><\/h3><\/div><\/div><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-space-around fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div 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for='input_5_22'>Email<\/label><div class='ginput_container'><input name='input_22' id='input_5_22' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_5_22'>To pole jest u\u017cywane do walidacji i powinno pozosta\u0107 niezmienione.<\/div><\/div><fieldset id=\"field_5_16\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full field_sublabel_hidden_label gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Name<\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_5_16'>\n                            \n                            <span id='input_5_16_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_16.3' id='input_5_16_3' value=''   aria-required='false'   placeholder='First Name'  \/>\n                                                    <label for='input_5_16_3' class='gform-field-label gform-field-label--type-sub hidden_sub_label screen-reader-text'>Imi\u0119<\/label>\n                                                <\/span>\n                            \n                            <span id='input_5_16_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_16.6' id='input_5_16_6' value=''   aria-required='false'   placeholder='Last Name'  \/>\n                                                    <label for='input_5_16_6' class='gform-field-label gform-field-label--type-sub hidden_sub_label screen-reader-text'>Nazwisko<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_5_3\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_3'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_3' id='input_5_3' type='email' value='' class='large'   placeholder='Email' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_5_4\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_4'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_5_4' type='tel' value='' class='large'  placeholder='Phone' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_5_17\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_17'>Zip Code<\/label><div class='ginput_container ginput_container_number'><input name='input_17' id='input_5_17' type='number' step='any'   value='' class='large'    placeholder='Zip Code'  aria-invalid=\"false\"  \/><\/div><\/div><div id=\"field_5_21\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_21'>What is Your Current Mortgage Rate?<\/label><div class='ginput_container ginput_container_text'><input name='input_21' id='input_5_21' type='text' value='' class='large'    placeholder='What is Your Current Mortgage Rate?'  aria-invalid=\"false\"   \/><\/div><\/div><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_5' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Sign Up'  \/> <input type='hidden' name='gform_ajax' value='form_id=5&amp;title=&amp;description=&amp;tabindex=0&amp;theme=gravity-theme&amp;styles=[]&amp;hash=d0b770a6d14584d73cc051e10260f642' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_5' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_5' id='gform_theme_5' value='gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_5' id='gform_style_settings_5' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_5' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='5' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='ODb6Xybt4CKvuVl1ZLQ67R1+mwsh7plgeum3Sx4sf87wfDlGR\/Ezfhyr0Dh9cJiwS3aav8ZTqkxUP5R0tTfunTMOEvKy+pZJbI2S6tYGx8BQWnI=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_5' value='WyJbXSIsIjNiZDFmNTNiMTU0YjA1Zjg4MDFlYjVjN2RiMThkNTY2Il0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_5' id='gform_target_page_number_5' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_5' id='gform_source_page_number_5' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_5' id='gform_ajax_frame_5' title='Ten element iframe zawiera logik\u0119 wymagan\u0105 do obs\u0142ugi Gravity Forms u\u017cywaj\u0105cych technologii Ajax.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 5, 'https:\/\/www.myoakleaf.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_5').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_5');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_5').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_5').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_5').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_5').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_5').val();gformInitSpinner( 5, 'https:\/\/www.myoakleaf.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [5, current_page]);window['gf_submitting_5'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_5').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [5]);window['gf_submitting_5'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_5').text());}else{jQuery('#gform_5').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"5\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_5\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_5\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_5\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 5, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        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calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color8);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:55px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:55;line-height:1.3;\">Don\u2019t Miss Your Chance to Save Big When Rates Drop!<\/h1><\/div><div class=\"fusion-text fusion-text-3\"><p>Sign up for personalized rate alerts and be the first to know when it\u2019s the perfect time to take the next step in your homeownership journey.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_end:28%;--button_gradient_top_color:var(--awb-color4);--button_gradient_bottom_color:var(--awb-color4);--button_gradient_top_color_hover:hsla(var(--awb-color5-h),calc(var(--awb-color5-s) - 5%),calc(var(--awb-color5-l) - 10%),var(--awb-color5-a));--button_gradient_bottom_color_hover:hsla(var(--awb-color5-h),calc(var(--awb-color5-s) - 5%),calc(var(--awb-color5-l) - 10%),var(--awb-color5-a));\" target=\"_self\" href=\"#signupratedrop\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Sign Up for Rate Alerts Now<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-padding-left:;--awb-padding-top-small:30px;--awb-padding-right-small:30px;--awb-padding-bottom-small:30px;--awb-padding-left-small:30px;--awb-background-color:var(--awb-color8);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-left:20px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-sep-color:var(--awb-color1);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:45;line-height:1.5;\"><em>Why Act Now?<\/em><\/h2><\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-clean-horizontal content-left content-boxes-icon-on-side has-flex-alignment contentBoxPadding\" style=\"--awb-alignment:stretch;--awb-body-color:var(--awb-color1);--awb-item-margin-top:10px;--awb-item-margin-bottom:10px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-content-padding-left:90px;border-color:rgba(255,255,255,0);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Icon-feather-clock.png\" width=\"70\" height=\"70\" alt=\"Icon Feather Clock\" \/><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Rates can change quickly\u2014timing is everything.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-content-padding-left:90px;border-color:rgba(255,255,255,0);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Icon-material-notifications-active.png\" width=\"70\" height=\"68.61\" alt=\"Icon Material Notifications Active\" \/><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Stay informed with real-time notifications tailored to your goals.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-content-padding-left:90px;border-color:rgba(255,255,255,0);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Icon-awesome-home.png\" width=\"70\" height=\"54.55\" alt=\"Icon Awesome Home\" \/><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Get exclusive insights to help you make smarter refinancing decisions.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch fusion-no-small-visibility\" style=\"--awb-bg-image:url(&#039;https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/AdobeStock_614431506.png&#039;);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-empty-column-bg-image fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/AdobeStock_614431506.png\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder\" alt=\"Adobestock 614431506\" aria-label=\"Adobestock 614431506\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27480%27%20height%3D%27621%27%20viewBox%3D%270%200%20480%20621%27%3E%3Crect%20width%3D%27480%27%20height%3D%27621%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-5 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-padding-top:20px;--awb-padding-bottom:20px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:100px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img decoding=\"async\" width=\"147\" height=\"147\" alt=\"Checklist\" title=\"Checklist\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Checklist.png\" class=\"img-responsive wp-image-2716\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Checklist-12x12.png 12w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Checklist-66x66.png 66w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Checklist.png 147w\" sizes=\"(max-width: 147px) 100vw, 147px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top:20px;--awb-margin-right:15%;--awb-margin-left:15%;\"><p style=\"text-align: center;\">Receive a free downloadable checklist with 10 simple steps to get ready for refinancing, when you sign up for rate alert notifications.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-6 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-no-medium-visibility fusion-no-large-visibility\" 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style=\"--awb-padding-top:20px;--awb-padding-bottom:20px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:2;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:100px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img decoding=\"async\" width=\"147\" height=\"147\" alt=\"Notification\" title=\"Notification\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Notification.png\" class=\"img-responsive wp-image-2717\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Notification-12x12.png 12w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Notification-66x66.png 66w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/12\/Notification.png 147w\" sizes=\"(max-width: 147px) 100vw, 147px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top:20px;--awb-margin-right:15%;--awb-margin-left:15%;\"><p style=\"text-align: center;\">Receive rate drop notifications tailored to your financial goals.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-8 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-flex-align-self-stretch fusion-no-small-visibility\" 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video=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/01\/signature_vid_-_j_lagiglia-1080p.mp4\" video_webm=\"\" start_time=\"\" end_time=\"\" width=\"600px\" controls=\"\" preload=\"\" autoplay=\"no\" mute=\"yes\" loop=\"yes\" track_tags=\"W10=\" preview_image=\"\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" class=\"\" css_id=\"\" overlay_color=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" border_radius_top_left=\"\" border_radius_top_right=\"\" border_radius_bottom_right=\"\" border_radius_bottom_left=\"\" box_shadow=\"no\" box_shadow_vertical=\"\" box_shadow_horizontal=\"\" box_shadow_blur=\"0\" box_shadow_spread=\"0\" box_shadow_color=\"\" alignment=\"\" margin_top=\"\" margin_bottom=\"\" \/][fusion_title title_type=\"text\" loop_animation=\"once\" marquee_direction=\"left\" marquee_speed=\"15000\" rotation_effect=\"bounceIn\" display_time=\"1200\" highlight_effect=\"circle\" highlight_width=\"9\" highlight_top_margin=\"0\" before_text=\"\" rotation_text=\"\" highlight_text=\"\" after_text=\"\" awb-switch-editor-focus=\"\" title_link=\"off\" link_url=\"\" link_target=\"_self\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" class=\"\" id=\"\" content_align_medium=\"\" content_align_small=\"center\" content_align=\"left\" size=\"4\" animated_font_size=\"\" fusion_font_family_title_font=\"\" fusion_font_variant_title_font=\"\" font_size=\"\" line_height=\"\" letter_spacing=\"\" text_transform=\"\" text_color=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" animated_text_color=\"\" text_shadow=\"no\" text_shadow_vertical=\"\" text_shadow_horizontal=\"\" text_shadow_blur=\"0\" text_shadow_color=\"\" text_stroke=\"no\" text_stroke_size=\"1\" text_stroke_color=\"\" text_overflow=\"none\" margin_top_medium=\"\" margin_right_medium=\"\" margin_bottom_medium=\"\" margin_left_medium=\"\" margin_top_small=\"\" margin_right_small=\"\" margin_bottom_small=\"\" margin_left_small=\"\" margin_top=\"\" margin_right=\"\" margin_bottom=\"\" margin_left=\"\" margin_top_mobile=\"\" margin_bottom_mobile=\"\" gradient_font=\"no\" gradient_start_color=\"\" gradient_end_color=\"\" gradient_start_position=\"0\" gradient_end_position=\"100\" gradient_type=\"linear\" radial_direction=\"center center\" linear_angle=\"180\" highlight_color=\"\" style_type=\"default\" sep_color=\"\" link_color=\"\" link_hover_color=\"\" animation_type=\"\" animation_direction=\"left\" animation_color=\"\" animation_speed=\"0.3\" animation_delay=\"0\" animation_offset=\"\"]\r\n\r\nAbout Joe\r\n\r\n[\/fusion_title][fusion_text columns=\"\" column_min_width=\"\" column_spacing=\"\" rule_style=\"\" rule_size=\"\" rule_color=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" user_select=\"\" awb-switch-editor-focus=\"\" content_alignment_medium=\"\" content_alignment_small=\"center\" content_alignment=\"\" disable_idd=\"no\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" class=\"\" id=\"\" width_medium=\"\" width_small=\"\" width=\"\" min_width_medium=\"\" min_width_small=\"\" min_width=\"\" max_width_medium=\"\" max_width_small=\"\" max_width=\"\" margin_top_medium=\"\" margin_right_medium=\"\" margin_bottom_medium=\"\" margin_left_medium=\"\" margin_top_small=\"\" margin_right_small=\"\" margin_bottom_small=\"\" margin_left_small=\"\" margin_top=\"\" margin_right=\"\" margin_bottom=\"\" margin_left=\"\" fusion_font_family_text_font=\"\" fusion_font_variant_text_font=\"\" font_size=\"\" line_height=\"\" letter_spacing=\"\" text_transform=\"\" text_color=\"\" animation_type=\"\" animation_direction=\"left\" animation_color=\"\" animation_speed=\"0.3\" animation_delay=\"0\" animation_offset=\"\" logics=\"\"]\r\n\r\nWith over 26 years of expertise in sales and marketing, Joseph LaGiglia has established himself as a leading figure in the residential mortgage industry. Joseph's exceptional skills and dedication to his work have earned him national recognition. He was featured in the Scotsman Guide as one of the top-producing residential mortgage originators in the country from 2020 to 2025, a testament to his proficiency in loan production. Furthermore, his outstanding services have been consistently acknowledged by The Herald-News, which voted him \"Best Mortgage Broker\" of Will County for ten consecutive years. Joe received the award of Best Loan Officer from a Community Bank, on behalf of the Illinois Mortgage Bankers Association. These accolades underline his commitment to serving his local community. An innovator at heart, Joseph is passionate about educating his clients on various cutting-edge lending products. His notable Buy Now Sell Later loan program is designed to transform contingent buyers into non-contingent ones, effectively streamlining the homebuying process. Additionally, he offers a unique bank statement loan for self-employed individuals, enabling business owners to utilize their actual cash flow for loan qualification rather than relying solely on tax returns. For property investors, Joseph provides tailored lending solutions that cater to a wide range of clients, from new landlords to seasoned investors.\r\n\r\n[\/fusion_text][fusion_title title_type=\"text\" loop_animation=\"once\" marquee_direction=\"left\" marquee_speed=\"15000\" rotation_effect=\"bounceIn\" display_time=\"1200\" highlight_effect=\"circle\" highlight_width=\"9\" highlight_top_margin=\"0\" before_text=\"\" rotation_text=\"\" highlight_text=\"\" after_text=\"\" awb-switch-editor-focus=\"\" title_link=\"off\" link_url=\"\" link_target=\"_self\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" class=\"\" id=\"\" content_align_medium=\"\" content_align_small=\"center\" content_align=\"left\" size=\"4\" animated_font_size=\"\" fusion_font_family_title_font=\"\" fusion_font_variant_title_font=\"\" font_size=\"\" line_height=\"\" letter_spacing=\"\" text_transform=\"\" text_color=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" animated_text_color=\"\" text_shadow=\"no\" text_shadow_vertical=\"\" text_shadow_horizontal=\"\" text_shadow_blur=\"0\" text_shadow_color=\"\" text_stroke=\"no\" text_stroke_size=\"1\" text_stroke_color=\"\" text_overflow=\"none\" margin_top_medium=\"\" margin_right_medium=\"\" margin_bottom_medium=\"\" margin_left_medium=\"\" margin_top_small=\"\" margin_right_small=\"\" margin_bottom_small=\"\" margin_left_small=\"\" margin_top=\"\" margin_right=\"\" margin_bottom=\"\" margin_left=\"\" margin_top_mobile=\"\" margin_bottom_mobile=\"\" gradient_font=\"no\" gradient_start_color=\"\" gradient_end_color=\"\" gradient_start_position=\"0\" gradient_end_position=\"100\" gradient_type=\"linear\" radial_direction=\"center center\" linear_angle=\"180\" highlight_color=\"\" style_type=\"default\" sep_color=\"\" link_color=\"\" link_hover_color=\"\" animation_type=\"\" animation_direction=\"left\" animation_color=\"\" animation_speed=\"0.3\" animation_delay=\"0\" animation_offset=\"\"]\r\n\r\nPersonal Quote\r\n\r\n[\/fusion_title][fusion_text columns=\"\" column_min_width=\"\" column_spacing=\"\" rule_style=\"\" rule_size=\"\" rule_color=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" content_alignment_medium=\"\" content_alignment_small=\"center\" content_alignment=\"\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" class=\"\" id=\"\" margin_top=\"\" margin_right=\"\" margin_bottom=\"\" margin_left=\"\" fusion_font_family_text_font=\"\" fusion_font_variant_text_font=\"\" font_size=\"\" line_height=\"\" letter_spacing=\"\" text_transform=\"\" text_color=\"\" animation_type=\"\" animation_direction=\"left\" animation_color=\"\" animation_speed=\"0.3\" animation_delay=\"0\" animation_offset=\"\" logics=\"\"]\r\n\r\n\"At Oak Leaf Community Mortgage, we're not just about closing loans; we're about opening doors to new possibilities. My mission is to guide each client, whether they're buying their first home, investing in real estate, or pursuing unique financial goals, towards a future where their dreams and financial stability align. Together, we're building stronger communities, one mortgage at a time.\"\r\n\r\n[\/fusion_text][fusion_menu_anchor name=\"ClientTestimonials\" class=\"\" \/][fusion_title title_type=\"text\" loop_animation=\"once\" marquee_direction=\"left\" marquee_speed=\"15000\" rotation_effect=\"bounceIn\" display_time=\"1200\" highlight_effect=\"circle\" highlight_width=\"9\" highlight_top_margin=\"0\" title_link=\"off\" link_target=\"_self\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" content_align_small=\"center\" content_align=\"left\" size=\"4\" text_shadow=\"no\" text_shadow_blur=\"0\" text_stroke=\"no\" text_stroke_size=\"1\" text_overflow=\"none\" gradient_font=\"no\" gradient_start_position=\"0\" gradient_end_position=\"100\" gradient_type=\"linear\" radial_direction=\"center center\" linear_angle=\"180\" style_type=\"default\" animation_direction=\"left\" animation_speed=\"0.3\" animation_delay=\"0\"]\r\n\r\nClient Testimonials\r\n\r\n[\/fusion_title][fusion_testimonials design=\"classic\" navigation=\"yes\" speed=\"\" random=\"\" margin_top=\"\" margin_right=\"\" margin_bottom=\"\" margin_left=\"\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" class=\"\" id=\"\" backgroundcolor=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" testimonial_border_top=\"\" testimonial_border_right=\"\" testimonial_border_bottom=\"\" testimonial_border_left=\"\" testimonial_border_style=\"solid\" testimonial_border_color=\"\" border_radius_top_left=\"\" border_radius_top_right=\"\" border_radius_bottom_right=\"\" border_radius_bottom_left=\"\" testimonial_speech_bubble=\"show\" fusion_font_family_testimonial_text_font=\"Open Sans\" fusion_font_variant_testimonial_text_font=\"400\" testimonial_text_font_size=\"\" testimonial_text_line_height=\"\" testimonial_text_letter_spacing=\"\" testimonial_text_text_transform=\"\" textcolor=\"\" fusion_font_family_name_company_font=\"\" fusion_font_variant_name_company_font=\"\" name_company_font_size=\"\" name_company_line_height=\"\" name_company_letter_spacing=\"\" name_company_text_transform=\"\" name_company_text_color=\"\" navigation_size=\"12\" navigation_color=\"\"][fusion_testimonial name=\"- Joe S.\" avatar=\"none\" image=\"\" image_id=\"\" avatar_position=\"above\" avatar_size=\"\" image_border_radius=\"\" company=\"\" link=\"\" target=\"_self\" alignment_classic=\"left\" testimonial_icon=\"\" testimonial_icon_alignment=\"left\"]\r\n\r\nAs 30+ year real estate investors who purchase distressed 1-4 family properties to rehab and sell to primary resident buyers, it is essential to have a lending relationship that we can depend on who fulfills our acquisition and construction funding needs. Joseph LaGiglia, Angie Petrizzo, and the whole team at Oak Leaf Community Mortgage, who is powered by North Shore Trust and Saving, is our \u201cpartner\u201d in the true sense that old school community banking used to be known for. With rates and fees well below the traditional funding sources in our business, and having the confidence through our experience to know if they say they will close our loan they do, we are able to be a leading solution to homeownership needs within the communities we are focused in. Thank you OLCM for another successful closing.\r\n\r\n[\/fusion_testimonial][fusion_testimonial name=\"- Hannah S.\" avatar=\"none\" image=\"\" image_id=\"\" avatar_position=\"above\" avatar_size=\"\" image_border_radius=\"\" company=\"\" link=\"\" target=\"_self\" alignment_classic=\"left\" testimonial_icon=\"\" testimonial_icon_alignment=\"left\"]\r\n\r\nI would 10\/10 recommend Oak Leaf Community Mortgage to anyone!! I have been in the financial services industry for more than 15yrs and these guys (and gals) knock it out of the park! Joe LaGiglia and crew are one of kind, they truly care about your situation and work hard to ensure you are in the right product\/timing\/finances for your needs. They are extremely responsive, friendly and knowledgeable and make the home buying experience a breeze. Using Oak Leaf is a no-brainer...you won\u2019t regret it!\r\n\r\n[\/fusion_testimonial][fusion_testimonial name=\"- JP M.\" avatar=\"none\" image=\"\" image_id=\"\" avatar_position=\"above\" avatar_size=\"\" image_border_radius=\"\" company=\"\" link=\"\" target=\"_self\" alignment_classic=\"left\" testimonial_icon=\"\" testimonial_icon_alignment=\"left\"]\r\n\r\nI recently refinanced with Joseph LaGiglia at Oak Leaf and could not be happier with the process. I was told, upfront, the time to refinance was extended due to the low rates prompting many to refinance. He offered a solid rate and locked it in after initial paperwork was completed. I received multiple phone calls from members of the team to update me on the process. A small, but communicated snag, was hit and my closing was pushed back one week. Joe was empathic on the process as he walked me through the final days until close. At close, I asked the title company about the rate and was told, \"That is a good rate for a 15 year, and you are at a 30!\" Communication is vital, and the team at Oak Leaf was beyond my expectations. If rates ever go this low again, I will call. I recommended Joe\/Oak Leaf to my friends and family.\r\n\r\n[\/fusion_testimonial][\/fusion_testimonials][fusion_button link=\"\/client-testimonials\/\" title=\"\" target=\"_self\" link_attributes=\"\" aria_role_button=\"0\" alignment_medium=\"left\" alignment_small=\"left\" alignment=\"left\" modal=\"\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" class=\"\" id=\"\" color=\"custom\" button_gradient_top_color_hover=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" button_gradient_top_color=\"var(--awb-color4)\" button_gradient_bottom_color_hover=\"\" button_gradient_bottom_color=\"var(--awb-color4)\" gradient_start_position=\"\" gradient_end_position=\"\" gradient_type=\"\" radial_direction=\"\" linear_angle=\"180\" accent_hover_color=\"\" accent_color=\"\" type=\"\" bevel_color=\"\" bevel_color_hover=\"\" border_top=\"\" border_right=\"\" border_bottom=\"\" border_left=\"\" border_radius_top_left=\"5px\" 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marquee_speed=\"15000\" rotation_effect=\"bounceIn\" display_time=\"1200\" highlight_effect=\"circle\" highlight_width=\"9\" highlight_top_margin=\"0\" title_link=\"off\" link_target=\"_self\" hide_on_mobile=\"small-visibility,medium-visibility,large-visibility\" sticky_display=\"normal,sticky\" class=\"letsConnect\" content_align=\"left\" size=\"3\" text_color=\"var(--awb-color1)\" text_shadow=\"no\" text_shadow_blur=\"0\" text_stroke=\"no\" text_stroke_size=\"1\" text_overflow=\"none\" gradient_font=\"no\" gradient_start_position=\"0\" gradient_end_position=\"100\" gradient_type=\"linear\" radial_direction=\"center center\" linear_angle=\"180\" style_type=\"default\" animation_direction=\"left\" animation_speed=\"0.3\" animation_delay=\"0\"]\r\n\r\nLet\u2019s Connect!\r\n\r\n[\/fusion_title][fusion_builder_row_inner][fusion_builder_column_inner type=\"1_1\" layout=\"1_1\" align_self=\"auto\" content_layout=\"column\" align_content=\"flex-start\" valign_content=\"flex-start\" 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sticky_display=\"normal,sticky\" text_color=\"var(--awb-color1)\" animation_direction=\"left\" animation_speed=\"0.3\" animation_delay=\"0\"]\r\n\r\nWe\u2019re here to answer your questions and get you started on your mortgage journey.\r\n\r\n[\/fusion_text][gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\" \/][\/fusion_builder_column_inner][\/fusion_builder_row_inner][\/fusion_builder_column][\/fusion_builder_row][\/fusion_builder_container][fusion_builder_container type=\"flex\" hundred_percent=\"no\" hundred_percent_height=\"no\" min_height_medium=\"\" min_height_small=\"\" min_height=\"\" hundred_percent_height_scroll=\"no\" align_content=\"stretch\" flex_align_items=\"flex-start\" flex_justify_content=\"flex-start\" flex_wrap_medium=\"\" flex_wrap_small=\"\" flex_wrap=\"wrap\" flex_column_spacing=\"\" hundred_percent_height_center_content=\"yes\" equal_height_columns=\"no\" container_tag=\"div\" menu_anchor=\"\" 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transform_translate_y=\"0\" transform_rotate=\"0\" transform_skew_x=\"0\" transform_skew_y=\"0\" transform_origin=\"\" transition_duration=\"300\" transition_easing=\"ease\" transition_custom_easing=\"\" motion_effects=\"W10=\" scroll_motion_devices=\"small-visibility,medium-visibility,large-visibility\" animation_type=\"\" animation_direction=\"left\" animation_color=\"\" animation_speed=\"0.3\" animation_delay=\"0\" animation_offset=\"\" last=\"true\" border_position=\"all\" first=\"true\"][fusion_modal name=\"MortgageCalculator\" title=\"Mortgage Calculator\" size=\"large\" background=\"\" hue=\"\" saturation=\"\" lightness=\"\" alpha=\"\" border_color=\"\" show_footer=\"no\" class=\"calcModal\" id=\"\"]\r\n<div style=\"width: 100% !important; height: 100% !important; min-height: 70vh;\"><iframe class=\"responsive-iframe\" src=\"https:\/\/a.surefirecontent.com\/interactives\/housepaymentver2\/index.php?d=aHR0cHM6Ly9hcGkudG9tbnguY29tL2FwaS9wdWJsaWMvdmlkZW9EYXRhL2xpdmUvTURPR21KVUJPP3VzZXJJZD1HZ2dCbFRh\"><\/iframe><\/div>\r\n<div>\r\n\r\nUse our calculator to figure out your loan amount, interest rate and length of mortgage. Taxes and insurance amounts are not required but are useful in determining your total payment amount. Calculations performed using this calculator are an estimate, are for your convenience, and are not an offer to lend. Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and the total amount paid when comparing to your current situation.\r\n\r\n<\/div>\r\n[\/fusion_modal][\/fusion_builder_column][\/fusion_builder_row][\/fusion_builder_container]","post_title":"Joe LaGiglia","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"joe-lagiglia","to_ping":"","pinged":"","post_modified":"2025-11-18 15:12:46","post_modified_gmt":"2025-11-18 21:12:46","post_content_filtered":"","post_parent":0,"guid":"https:\/\/live-olcm-2024.pantheonsite.io\/?post_type=loan-officer&#038;p=177","menu_order":4,"post_type":"loan-officer","post_mime_type":"","comment_count":"0","filter":"raw"}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Joe LaGiglia LO Rate Alert | Oak Leaf Community 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