What people are saying... What people are saying... Back to profile
Tom Banducci was responsive, attentive to our needs and great to work with. He had right closing period and he stayed on top of the entire process. His team was great!
John S. - Palo Alto, CA | Dec 2021
Working with Tom Banducci at Guaranteed Rate was a pleasure. He worked tirelessly with us for over 18 months while we navigated an exceptionally rough seller's market. His communication, dedication, and advice proved to be spot on. The technology powering Rate, the ease of uploading documentation, and the clarity of where I was at in the process also helped give me confidence. Very happy with this experience.
Tres S. - San Francisco, CA | Nov 2021
Tom Banducci was a great help throughout the process, his knowledge & expertise was really helpful due to our unusual circumstances. He's someone who can understand the issues and how to remedy them. We were able to do 3 refi's in quick succession fairly seamlessly.
Clare H. - San Francisco, CA | Oct 2021
Excellent support from Tom Banducci
Clare H. - San Francisco, CA | Oct 2021
Quick underwriting, effective communication, excellent broker who took time to listen to my needs/questions and clearly communicated with my real estate agent. Thank you, Tom Banducci and team. Hoping I can give you many referrals!
Jayson E. - Burlingame, CA | Apr 2021
Great communications and very quick turnaround. However, the rate could be lower in order to be a no-brainer recommendation.
Alan T. - Oakland, CA | Jun 2021
I really enjoyed working with Guaranteed Rate. The level of collaboration and transparency is something that I really appreciated and set you guys apart substantially from the other financing partners that we had conversations with.
Idan B. - San Jose, CA | Apr 2021
Tom Banducci is reliable and great to work with.
Sonya G. | Mar 2021
Great customer service by Tom and team.
Linda B. | Dec 2020
Tom and everyone who worked with me to execute this re-fi were amazing. Attentive and detailed. My original mortgage was held by rocket and I will never consider working with anyone besides Guaranteed moving forward and I also immediately sent details for family and friends.
Michelle H. | Aug 2020
High rate of responsiveness; excellent communication
Alexandra F. | Sep 2020
competitive rates, very responsive and helpful people
Eric L. | Nov 2020
Tom Banducci helped us when we bought the house and after talking to other companies I went back to him because I trusted him
Rose A. | Dec 2020
Helpful. Knowledgeable. Patient.
Steven S. | Jan 2021
Exceptional service. Made everything as easy as possible.
Andrew M. | Jul 2020
Great service from Tom Banducci
Elizabeth M. | Jul 2020
Tom has been with me every step of the way and always available to answer my questions.
Eric P. | Jun 2020
This is my 3rd refinance with Guaranteed Rate. Each time I’ve found the team to be very responsive and helpful (answering questions, dealing with unique conditions, etc). They are not too pushy as some lending offices can be and have good rates. Easy to work with and friendly.
Lucinda T. | May 2020
Tom is easy to work with, very helpful, and will explain terms in a simple understandable way.
Randee T. | Feb 2020
because they made the process smooth and were really helpful
GONZALO G. | Jan 2020
Received excellent customer service
Tracy G. | Sep 2019
Tom Banducci was amazing and went above and beyond for us on several occasions. We had a very quick timeline and escrow. He worked in some weekends for us, he took time explaining things to first time home buyers, and kept us updated via email and text. Could not have asked for more. The rest of the loan team was very helpful as well. I would definitely recommend Tom to others.
Erin J. | Aug 2019
Tom is great. Can't believe how knowledgeable and helpful he and his team are!
Andrew J. | April 2019
We worked with Tom Banducci and can't say enough great things about how he serviced us as clients. He kept us informed at every step and worked to get us closed within 25 days. He is a real asset to Guaranteed Rate!
M. Yakel - 10/1/16
Very professional, easy to understand, and best of all -- got what we wanted!
A. Jones - 11/1/16
Tom Banducci and his team got us a good loan at a good rate (significantly better than the competition), and did it on schedule. Communication was prompt and clear, electronic document signing made things convenient. We haven't officially close yet (later today), but assuming things go as expected, closing will have been smooth and hassle-free.
G. Serre - 2/1/17
Tom Banducci was so phenomenal could not have done it without him.
Joseph B.– San Bruno, CA | JULY 2015
Tom Banducci is great! He knows the mortgage business extremely well, has a lot of experience in the type of transaction we did (condo conversion refi), and is wonderful to work with. I can't speak highly enough about about him!
Kaye R. -- San Francisco, CA 6/16/2014
Tom, is one of the most knowledge Mortgage professionals I know. He has made home purchases for my clients a possibility, when there were doubts about getting a loan. He has refinanced my income properties at incredible rates, terms and conditions.
Nick M., 8/29/13
Just closed my first home purchase and it has been a great experience to work with Tom on the loan. As a first time buyer, Tom was extremely patient and professional to deal with. We went through several properties until I finally secured the one. Tom was very responsive for pre-approval documents. In dealing with the mortgage lender, appraiser and the title company, every step of the way Tom responded speedily, and with the attention to details. I couldn't be happier with his superb service.
Wiley W., 8/29/13
I have re-financed with Tom Banducci twice. He has always been very conscientious and professional. He is patient while explaining the various options available. I have a two-unit building, and am self-employed, usually a double-whammy, but with Tom's help, everything proceeded very smoothly. In addition, Tom has a great sense of humor and a calm demeanor which, of course, makes the whole process mush less stressful. I have recommended Tom to friends; I wouldn't do that if I hadn't had such successful outcomes.
Jan R., 8/31/13
Tom did a fantastic job for me in refinancing my property. I have an owner occupied 4 unit building that I had spent 5 years trying to refinance and could not find any institution to touch it as the mortgage is over $2 million. Tom knew on our first meeting that he had lenders and the loan would hinge on appraisal, and made the process easy and efficient. I am self-employed and he also was able to use funds from both my business and personal accounts for reserves in the qualification process. I will certainly use him again when in the market for a real estate loan. I highly recommend him.
Kurt A., 9/3/13
We enjoyed working with Tom Banducci. He made the potentially tedious process of re-financing our home go smoothly and expeditiously. He was always there to walk us through the difficult steps of the process and his experience with the ins and outs of re-financing was invaluable.
Jane & Tony V., 9/7/13
We very much appreciate Tom's work in helping us through the financing process for purchasing a property. Tom was courteous, proactive, and most helpful. We strongly recommend Tom and GMC to anyone seeking to purchase a property.
R & G Chopra, 9/18/13
Tom Banducci knows his stuff! He recently did a refi for me and did a great job. He went over all the details and made sure I could understand them. I've known Tom for over 25 years and he is a stand-up guy.
Darrell F., 10/7/13
Tom Banducci was very helpful in helping me achieve my goal of owning my first home. I was a single person with 1 line of credit which created a few obstacles when trying to obtain a loan, however Tom made the process a lot easier for me & I was able to close the deal on my house in a short period of time. I highly recommend Tom for anyone looking for a reliable & efficient mortgage broker.
Kevin S., 12/16/13
Approximately one year ago, I asked a friend for an important referral. I needed a mortgage broker who could handle a complicated/difficult refinance of my home. My friend unequivocally recommended Tom, without hesitation. It is hard to describe how happy I have been working with Tom. He made what can be a tedious and challenging experience a pleasurable, and need I say, successful one.
Maximillian D., 1/6/14
Tom worked with our 6-unit building through a TIC conversion to condominiums. We thought it to be a good idea to go with a single broker for all our loans, but we had no idea how much difference it would make. Our TIC conversion required all six of our new loans to close on the same day which is no easy task in this day and age. Tom was instrumental in getting this to happen for us by working with all of our owners, the different lenders involved and title company to guide us to a successful outcome. He is professional, knowledgeable, patient (extremely helpful in our particular case) and has
Bill S., 2/5/14