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I know you have a lot of options when it comes to home loans, and I appreciate you contacting me. I'll review your information and reach out to you as soon as possible.

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Hi, I'm Al and I'm a Bank of America lending specialist here to help with your home loan needs.

On this page, you'll find tools and resources to help you understand your home loan options. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible.

Let's work together

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224-504-0150
Rafael Soto

Rafael Soto

Community Lending Officer Assistant Vice President NMLS ID: 1387592
515 E Townline Rd, Vernon Hills, IL 60061
Many ways to apply
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Current Mortgage Rates

Mortgage rates
Rafael Soto
Visit Bank of America's mortgage webpage to see current rates in your area.

If you want to talk about your options, set up a time set up a time and I can go through them with you.
Rafael Soto

Rafael Soto

Community Lending Officer Assistant Vice President NMLS ID: 1387592 515 E Townline Rd, Vernon Hills, IL 60061
Call me today

Hi, I’m Rafael. Summer is a busy season for home buying — are you looking for a new home? I can help you get prequalified in minutes, so you'll have an estimate of how much you can afford. I can also help with refinancing or accessing your home's equity. Check out my website for information and tools to get started, or contact me to talk about your homeownership goals. I'm here when you need me.

Get started
Get started
Schedule an appointment
Get a call back from me

Awards

  • Pinnacle Award

Additional Languages

  • Spanish

My events

Homebuyer Workshop Saturday, July 12, 2025 | 09:00 a.m.–10:00 a.m. 515 E Townline Rd
Vernon Hills, IL 60061 Speaker: Teri GarzaRSVP for Homebuyer Workshop
Find more events

Easy-to-use calculators

These mortgage calculators may be able to help you understand how much you can borrow or what costs may come up along the way.

I'm here for you

As a Bank of America Lending Specialist, I want to make sure that we find the right home loan for you.

These resources can help you learn about each step of the home loan process, whether you're looking for a home, hoping to refinance or interested in accessing your home's equity. If you have any questions, feel free to reach out to me at any time.

Homebuyer
Insights

Discover recent trends in homebuyer attitudes, behaviors and preferences.
Learn more

Better Money
Habits®

Build your financial knowledge with educational videos and articles on common home loan topics.
Explore

Real Estate
Center®

Find your future home by city and state or ZIP code.
Search now

Down Payment
Resources

Search for down payment help in your area.
Learn more

Help where you need it

Home Loan Navigator®

When you apply for a home loan with me, the Bank of America Home Loan Navigator can help you track your loan status and more.
Learn more on Home Loan Navigator

First-Time Homebuyer Online Edu-Series

Get tips, tools and more from Bank of America specialists as they chat with Buzzfeed's Hannah Williams.
Watch videos from the First-Time Homebuyer Page

Online and Mobile BankingFootnote 1

It's easy to manage your Bank of America home loan account with secure access from your laptop, tablet or smartphone.
Find out more about Online and Mobile Banking

Let's get together

Homebuyer Workshop Saturday, July 12, 2025 Learn more about Event
Homebuyer Workshop Saturday, July 12, 2025 Learn more about Event