What people are saying... What people are saying... Back to profile
Mike was great. On top of everything
Angelo S. - Salem, MA | Jul 2021
Very responsive, great service, and very helpful and understanding
Mark M. - Bridgewater, MA | Jun 2021
You guys started to help out since day one.
Francisco P. - Boston, MA | Jun 2021
Mike C and Marianne were incredibly helpful, kind, patient, detailed, and responsive.
Pamela W. - Boston, MA | May 2021
Extremely helpful through out the whole loan process. The website used was accessible for my blind wife. Michael was very kind and friendly.
Ronald B. - Palmer, MA | May 2021
Hard working dedicating team with guidance during the entire process.
Norma R. - Mansfield, MA | Apr 2021
Loan officer, loan programs, ease of use (documentatoin)
Philip A. - West Stockbridge, MA | Apr 2021
The process was very easy and the team was great to work with.
Riku K. | Aug 2020
It was a very positive experience working with professional and efficient personnel. Everyone did what they said they’d do in a timely matter.
William P. | Feb 2021
Superb communication skills, all by email, excel, voice, video conference, email, and in-person. Knowledgable and experts in the field. Kind, understanding, patient
Christiana K. | Aug 2020
Always answered when I called
Mark D. | Oct 2020
Exceptional services, generosity in explanation and honesty in details.
Maher S. | Dec 2020
Totally satisfied with the service
Harlene D. | Jan 2021
Mike is the best. Second time I have worked with him and he will be the only person I work with in the future.
Shaun C. | Apr 2020
Mike Ciavarini is the best!
Patrick S. | Jul 2020
Great Customer Service. Very Reliable.
Eric M. | Mar 2020
Digital process is very efficient
Karrie F. | Oct 2019
I have used GR multiple times and have had a great experience.
Cynthia P. | Oct 2019
Quality of the product and service
Kevin F. | Oct 2019
Simply put, the best. Made me feel comfortable and at ease throughout the whole process.
Sean H. | Sept. 2019
This was my fourth mortgage with Guaranteed Rate and Mike. Each mortgage has been a easy and pain free.
Jeffrey B. | May 2019
Working with Mike C was great. Very very knowledgeable loan officer. Made it happen for me and my family!! Thank you again mike!!
Kyle C. | August 2018
Mike was the best loan officer I could find, I tried local banks, credit unions, and big banks. Not only does Mike possess knowledge about programs other banks/credit unions don't have like Mass Housing, Unison and construction, he will spend the time to spreadsheet out scenarios to help pick the best option for you. Mike was there to help me plan not just for my first mortgage but my holistic project plan, couldn't be more satisfied with his work with me.
Matthew K. - July | 2018
Smoothest easiest process have had to ever go through for a major purchase. Mike and his team is top notch!
Mark D. | June 2018
Mike was the best loan officer I could ask for, extremely personable with a personality that made sure you knew how on top of things he was. I feel like I have gained a friend through this process and will be recommending Mike to anyone I know looking for a home. He is one class act and there is nobody else like him!!! Thank you!
Gregory R. | MAY 2018
It was very reassuring that Mike was always available to answer our questions. He is extremely knowledgeable in every aspect of the mortgage process. It was a pleasure working with Mike through what can be a very stressful process.
Ashley C. - Holliston, MA | JUL 2016
Mike C. was fantastic. Everything went very smooth. The whole team that dealt with my loan was very helpful and professional.
Matthew S. -Hopedale, MA | MAR 2016
Michael Ciavarini was intuitive and understands numbers crucially via his background in maths. In addition his YouTube video of understanding the paradox of a mortgage was extremely helpfully in unlocking the correct loan with the best potential for us. Coupled with a per-determined spreadsheet he created for his clients, making it very transparent when inputting your hypothetical numbers for a potential home.
Raoul E. – Somerville, MA | AUG 2015
Michael Ciavarini and your whole staff were A+! From my experience you are running a well-oiled machine. Keep up the good work!
Joseph B. – Medfield, MA | May. 2015
Mike really made the process flow. Made it a very easy process.
Bonnie A. – Shirley, MA | May. 2015
Micheal was excellent and clearly explained all aspects of the loan and the overall home buying process. He also excelled at explaining how the various numbers and rates related to each other, which demystified some of the more confusing concepts and made it very clear where I stood with respect to what I could afford.
Ian F. -- Charlestown, MA. 9/18/2014
“It was a great experience working with Michael and Guaranteed Rate. I've already suggested that my friends, who are currently in the market, reach out to your team!”
Vanessa S. – Winthrop, MA – 7/2014
“Michael Ciavarini explained the process very clearly, always kept me in the loop and was available when I needed him. I really appreciated his honesty and integrity, both trait that seems to be rare in a world of ever increasing greed and deception.”
Peter L. -- Shirley, MA. -- 5/ 2013
Hey check out the glowing review from Steven about Michael! "My thanks to Michael Ciavarini who made this refinance of many I have done the best experience ever! He is a consummate pro who really understands this business. Always on top of every stage of the process and ensures everything will go through without a hitch. His enthusiasm abounds! His staffs are top notch professionals. Best rates but level of competence, professionalism, and overall smoothness of the process, I would definitely use GR again and recommend them to friends!”
Steven C.-- Natick MA. -- 02/2013
As always everything went smooth and quite fast. This is my third time with Guaranteed Rate! I have recommended five of my clients; I have my own businessâ€¦ Michael Ciavarini is always so pleasant and professional! I will continue to send him referrals.
Elizabeth S. Dorchester, MA 2/2012
Michael Ciavarini was very helpful and pleasant. Great people skills. He gets the job done fast and efficient. He is the best. I have already recomended three people.
Elizabeth S. - Milton, MA 12/2011
Everything went great. Michael Ciavarini played a key role in the purchase of our first home. He takes the approach as a trusted advisor, not someone that is trying to sell you a loan. He made us aware of different programs out there such as the PMI buyout up front. His spreadsheet helps you understand where every cent is going and you can work different loan scenarios out. Also anytime I was curious on what the rates where I could shoot him a note and heâ€™d get back to be with the current rates (big bank's won't do that for you!).
Matthew R. - Foxborough, MA 1/2012
Mike, You are at a level in your business that I only dream and aspire to be at in my own, the pleasure was all mine. Partnering with you and guaranteed rate is the solution to the last big hurdle in my business plan and this weekend I'll be restructuring and reorganizing the website to get your stuff integrated up there as quickly as possible.
Jake Jacobs, Realtor with Keller Williams, MA
I would absolutely use Guaranteed Rate again. Mike Ciavarini was awesome! I heard about Mike from Tom Cataldo, our former insurance guy who has since retired. Tom was right about Mike- he worked very hard for us. We are grateful for his professional services- even when he was supposed to be on vacation. He emailed and called to be sure our closing went smoothly.I have already told everyone about Mike and Guaranteed Rate. In fact, I credit him for allowing us to send our son to his first-choice college this year.
Maureen A. 7/2011
Michael Ciavarini played a key role in the purchase of our first home. He takes the approach as a trusted advisor, not someone that is trying to sell you a loan. He made us aware of different programs out there such as the PMI buyout up front. His spreadsheet helps you understand where every cent is going and you can work different loan scenarios out. Also anytime I was curious on what the rates where I could shoot him a note and heâ€™d get back to be with the current rates (big bank's won't do that for you!)...If we ever need any type of lending in the future Michael would be my first call.
Matt R. - Foxborough, MA 12/2011