What people are saying... What people are saying... Back to profile
Nicholas Ballard and his team were incredible! Speedy service and great communication.
Tonya S. - Belmont, CA | Mar 2022
On a scale of 10, we give Chanelle & Nicholas 100. They have patiently gone above & beyond for YEARS to make our dream home finally come true after multiple lost offers in an extremely competitive market. Their customer service was consistently top notch & made us feel as though we were being treated as a close friend or family member with the attention to detail they provided. Chanelle kept the entire deal on schedule ahead of time & Nicholas always reached out with measured reassurance and kindness. Honestly, they even helped answer questions & guided us along the process in areas that were outside of their expertise. We genuinely thank them both profusely for being outstanding at their job every step of the way.
Kyle L. - Pescadero, CA | Mar 2022
Have to leave room for growth
Letty H. - Vallejo, CA | Mar 2022
They worked really hard on a tough refi… and made it happen!
Christina P. - Lagunitas-Forest Knoll, CA | Mar 2022
Because Nicholas is fantastic
Kyle C. - Los Angeles, CA | Mar 2022
Because of the outstanding service provided by Nicholas Ballard and Chanelle Gonzalez who are always professional and meticulous with all details. Most especially, we appreciate how they went above and beyond to help us secure and close two loans while we had an unexpected extended hospital stay.
Larry N. - Gold River, CA | Feb 2022
Fast, detailed, professional and always available for any questions
Simon U. - Larkspur, CA | Feb 2022
Good people, quick replies, easy to work with via phone, text and/or email.
Samantha P. - Mill Valley, CA | Feb 2022
Nicholas and team made the mortgage process fun and proactively guided us through every step.
Mark R. - Oakland, CA | Jan 2022
Nicholas Ballard and Chanelle Gonzalez were great and an A team. They facilitated the processing of my loan when they learned that I will be traveling out of the country. I closed even before my departure.
Josephine C. - Vallejo, CA | Jan 2022
They were very professional and efficient at getting my mortgage refinance done
Bradford S. - Belvedere Tiburon, CA | Jan 2022
Nicholas and Chanelle are outstanding! They expertly guided us through our loan process and we were able to close early. Buying a home was intimidating but Nicholas was really able to explain the entire process in terms we could understand. His team really wants to help you as much as possible. We had a tight time frame to close, including a holiday which really put the pressure on to get things done quickly. The whole team worked vigilantly and we were actually able to close early with a lower rate than anticipated. Nicholas and his entire team are invaluable assets to Guaranteed Rate.
William D. - Redwood City, CA | Dec 2021
Nicholas Ballard and Chanelle Gonzalez were great to work with. Very professional, Nicholas is extremely knowledgeable about different mortgage products and what was ultimately possible and Chanelle is an organizational wizard.
Thomas P. - Inverness, CA | Dec 2021
Quick response time and easy application process.
Kevin R. - San Rafael, CA | Nov 2021
Nicholas and Chanelle are the best. Always great to work with anytime.
Timothy P. - Tiburon, CA | Nov 2021
Explain the process every step of the way. They were on top of everything. Great service. Great rates.
Brian D. - Thousand Oaks, CA | Nov 2021
Nicholas and Chanelle guided me through the steps required to verify my multiple income sources. They were very quick to respond to any questions I had so that the process kept moving forward.
Jeffrey H. - Concord, CA | Oct 2021
Nick and Chanelle made the process so easy for me. The rate locked was better than any rates I had previous looked at. Amazing Team! Definitely would recommend them to family and friends!
Tami H. - Oakland, CA | Oct 2021
Nicholas was great and effective
Chi Hsi C. - Walnut Creek, CA | Oct 2021
They got the job done, fast.
Karl S. - Los Angeles, CA | Oct 2021
Always great to work with your team, and you have fantastic options!
Sarah S. - Novato, CA | Sep 2021
most excellent customer service and communication....top notch!
John D. - San Rafael, CA | Sep 2021
Because my broker was extremely thorough and always followed up
Timothy P. - Tiburon, CA | Sep 2021
Very thorough including follow up
Timothy P. - Tiburon, CA | Sep 2021
Fantastic experience working with Nicholas Ballard and Chanelle Gonzalez.
Philip M. - San Rafael, CA | Sep 2021
Awesome support and follow up, and of course, a great ratd
James M. - Oakland, CA | Aug 2021
Persistence and great assistance in securing my loan; I had a challenging situation but they helped make it work!
Lisa F. - Tiburon, CA | Sep 2021
Nicholas Ballard and Chanelle Gonzalez went above and beyond to get our loan closed. They are far and away the BEST team I have every worked with after owning 7 homes (which all had mortgages) and doing another 3-4 refinances along the way. Their level of service was extraordinary and they persisted for much longer than would be expected to get our loan completed. Their communication and customer service was flawless and their dedication to my challenging situation was truly amazing. I already referred a work colleague to Guaranteed Rate and she completed her refinance in Southern California and also said you were the best company she had ever worked with for a loan.
Suzanne G. - Kentfield, CA | Aug 2021
Nicholas and his team are responsive and tenacious in finding the best rate in the best amount of time. They always have the best customer service as well, Which makes the daunting task of a home loan or refinance loan easier to understand for a first time homeowner.
Christina A. - San Rafael, CA | Aug 2021
incredibly diligent, responsive and enjoyable to work with through this highly complex process
Steffanie M. - Novato, CA | Jul 2021
Very responsive to my questions and very friendly and engaged staff.
Andrew F. - San Jose, CA | Jul 2021
Nicholas Ballard and Chanelle Gonzalez are a spectacular team. I've been lucky enough to work with them both a second time and will definitely recommend them to my network. The whole experience was painless.
Brian B. - San Rafael, CA | Jul 2021
I love working with Nicholas and Chanelle. They make the whole process seem easy, quick and clear.
Karina J. - Sausalito, CA | Jul 2021
The service provided is very efficient,professional and friendly. Everything is explained and you are guided through the process. The team managed to provide us with a new mortgage even with our complex financial situation.
Vivienne S. - San Rafael, CA | Jun 2021
Nicholas Ballard and his team was so great to work with
Kevin O. - Greenbrae, CA | Jun 2021
Nicholas and Chanelle were helpful, responsive and communicative.
Helene O. - Alameda, CA | Jun 2021
Prior experience working with Nicholas/Chanelle and Guaranteed Rate - always a transparent and easy experience.
Patrick C. - San Francisco, CA | May 2021
Quality of service from Nicholas Balland and Channelle Gonzales
James S. - San Rafael, CA | May 2021
Process was super easy; team is very responsive
Robert M. - Scotts Valley, CA | May 2021
Nicholas and our team were thorough, efficient, and understanding. We felt very supported through an intense process.
David S. - Encino, CA | May 2021
Stellar service from Nicholas and Chenelle
Delia P. - Tiburon, CA | May 2021
Nicholas and Chanelle consistently went above and beyond to make sure my loan process was as smooth as it could be.
Erik N. - San Francisco, CA | Apr 2021
They are professional, knowledgeable, efficient, stay on top of timelines and are a pleasure to work with.
Amy Z. | Mar 2021
Always a good experience working with Nicholas. This is the 2nd time I have refinanced and he's been spearheading the assistanc.
Jyoteen M. - Los Angeles, CA | Apr 2021
Excellent responsiveness and customer service assisting me with a refinance.
Koa P. | Mar 2021
Process was easy and Nick did a great job of explaining everything well and making us feel confident.
Alden F. | Mar 2021
Because Nicholas and his team were honest, helpful, forthcoming, and organized. They were also extremely respectful and friendly.
Patricia K. | Mar 2021
They are very responsive and easy to work with
Jason F. | Feb 2021
Specifically for the agent and assistant I''ve been working with, they go above and beyond.
Christian P. | Feb 2021
Quick responses to our questions throughout the process. Very attentive to our situation. Very supportive all the way through.
Christopher M. | Feb 2021
Quick Close, streamlined process.
Ryan K. | Feb 2021
Outstanding service and great rate.
Robert H. | Feb 2021
Nicholas, Chanelle, Matthew and the team were great to work with. Great customer service and very knowledgeable
Karter K. | Feb 2021
Nicholas and Chanelle are kind, professional, responsive and all around amazing.
Annemarie D. | Feb 2021
My refinance experience was easy, fast, and fantastic!!
Thomasin G. | Feb 2021
Love Nicholas, Chanelle and the team. Great communication through every step made the process painless.
Katie A. | Feb 2021
Impeccable service provided.
Simon U. | Feb 2021
Excellent service, made a long, stressful process as easy as possible and across the board every person I interacted with was helpful, efficient and responsive. A++++
Winnie K. | Feb 2021
Nicholas Ballard and Chanelle provided superior support and customer service.
Stuart W. | Aug 2020
Agent was very helpful as a first time buyer
William A. | Feb 2021
your team made things as smooth as possible & i felt like i had your support & you had my best interest
Brigid M. | Aug 2020
Flawless communication, entire process was smooth and comfortable.
Robert D. | Aug 2020
Nicholas, Chanelle and the rest of the team were spectacular! They took time to explain everything carefully during each step, were responsive, and just generally were professional, communicative, organized, and seemed like they were working hard to make it happen...especially when there were hurdles (covid, fires, etc)
Katherine H. | Sep 2020
Timely, excellent service. Great communication
David B. | Nov 2020
service and follow through exceptional
LARRY N. | Aug 2020
Very efficient and friendly staff.
Nicolas G. | Sep 2020
Personalized service. Great advice. Transparent and educational.
Jennifer M. | Nov 2020
Excellent service. Communication allowed my refinance to run smoothly. Easy online programs made signing and transmitting docs very easy
Carole L. | Aug 2020
Nicholas and Chanelle kept me informed and guided me every step of the way during the process. Extremely helpful.
Betty W. | Sep 2020
Constantly communicating and fully transparent to avoid any surprises.
Jamie B. | Oct 2020
We trust Nicholas and Chanelle very highly
Thomas C. | Nov 2020
The service provided by Nicholas, Chanelle and rest of their team was excellent; professional, responsive and thorough.
Vito V. | Dec 2020
They made the refinancing process relatively painless.
David G. | Aug 2020
I have worked with Nicholas and Chantelle before.
Kevin R. | Sep 2020
Timely and insightful advice at all times.
Samuel J. | Oct 2020
Very friendly, and pleasant to work with. I really felt like they helped be get the best loan for me.
Kyle T. | Nov 2020
Great service and wonderful to work with
Marilyn H. | Dec 2020
Nicholas and his staff are always very quick and always communicating what I needed to do every step of the way
Chad W. | Aug 2020
Wow! Nicholas and Chanelle were wonderful. As first time home buyers, Nicholas walked us through all of our options and answered all of our questions with grace and patience. He understands the realities of our local market. Chanelle kept us on track by ensuring that we submitted the correct documents to keep our loan on track. They really worked tirelessly for us.
Victoria R. | Sep 2020
It was a very efficient process all around. So much easier than in my prior Refi experiences. Nicholas Ballard and Chanelle Gonzalez kept me informed at every step to expedite the process.
Wendy K. | Oct 2020
They were helpful and transparent.
Nina L. | Nov 2020
Personable and honest advisement.
Grant S. | Dec 2020
Nicholas and Chanelle were very personable and excellent to work with
Annalisa T. | Jan 2021
Excellent service, communication and follow-through. We felt like they really cared that we got the best rate possible
FREDERICK W. | Aug 2020
Me Ballard was the most professional, courteous and knowledgeable agent I have ever dealt with of all I have encountered in the course of refinancing my mortgage often in the last 20 years
Elliot N. | Sep 2020
Great attention to getting the best rate
ROBERTA M. | Oct 2020
They worked with me personally when others went some automated route which does not work with me
Lionel P. | Nov 2020
Nicholas and Chanelle provided superior service.
Ruth G. | Dec 2020
Ease of getting answers to any question, I also had the impression that I was receiving an excellent mortgage package.
Rita V. | Jan 2021
Very high quality of service in a challenging time for financial business.
KEITH B. | Jul 2020
I had a great experience working with Nicholas Ballard and Chanelle Gonzalez out of the San Rafael office.
Augustus A. | Jul 2020
Excellent service, very clear in explaining the entire process.
Richard B. | Jul 2020
Great, timely, personable service.
Chi Hsi C. | Jul 2020
Mostly due to Nicholas and his team but the site was easy to use and navigate.
John R. | Jul 2020
Very responsive and quick and communicative
Darcy L. | Jul 2020
Attention to details, and speedy response to any and all questions
Steve L. | Jun 2020
Excellent service and easy to work with
Wendy R. | Jun 2020
Excellent service, responsiveness, and transition/adaptation to the Covid-19 situation to effectively execute and complete our refinance process.
Koa P. | May 2020
Great customer service. Always available.
Natalie D. | May 2020
We rely on Nicholas Ballard and Chanelle Gonzalez for their thorough, personable support, their proactive communication and experienced guidance.
Karen J. | May 2020
Easy uploading & sharing of documents. Digital signatures. Strong communication from the team. We felt Nicholas & team we’re working really hard to keep our loan alive despite all the challenges in the market right now.
Joshua B. | May 2020
We had an amazing experience with Nicholas and Chanelle and team!
Katie A. | May 2020
Nicholas and his team did an outstanding job coordinating our refinance. Always clear and prompt with communication and pleasant to work with.
Wesley D. | May 2020
This is our 4th time working with Nicholas Ballard and Chanelle Gonzalez. They always do a great job, are reliable and trustworthy.
Ophir F. | May 2020
We received excellent support and guidance throughout this process.
Karen J. | May 2020
Outstanding communication & professionalism from Nicholas Ballard and Chanelle Gonzalez
Caitlin R. | Apr 2020
Nicholas Ballard is extremely knowledgeable and professional and his staff is really helpful and courteousness.
Peter B. | Apr 2020
Made the process easy. Felt like a team working together. Quick response time.
Alison d. | Apr 2020
Excellent team, support, knowledge and professionalism.
Jacqueline K. | Mar 2020
Superb service and communication.
Delia P. | Mar 2020
Because of Nicholas Ballard and Chanelle Gonzalez. They outstanding!!!
LARRY N. | Mar 2020
Follow thru. Great work getting optimal rates, terms etc
Brian K. | Mar 2020
All of the people we have dealt with our the upmost professional and explain all the steps of the process so well
Chad W. | Feb 2020
They went above and beyond to help me secure the lending I required.
Joseph L. | Feb 2020
Good communication all along the way
Steven W. | Feb 2020
Nicholas and Chanelle were fantastic. They were on top of things and helped us through the process quickly.
Deirdre H. | Jan 2020
As always the service is superb. Nicholas, Chanelle and collegues are amazing to work with.
Stephanus T. | Jan 2020
excellent communication and service
John K. | Dec 2019
Nicholas was great to work with!
Blake T. | Dec 2019
thorough, great communication
Darcy O. | Nov 2019
excellent and profesional service
Elliot N. | Nov 2019
Nicholas and Chanelle are very easy to work with.
Ryan B. | Oct 2019
Great service. Patient. Educational. Thorough and pleasant.
Jennifer M. | Oct 2019
This whole experience was just incredibly smooth. We can’t be more happy with having had Nicolas and Chanelle help us through buying our first home. You guys are awesome!
Christian P. | Oct 2019
Because of the superb people I worked with: Nicholas and Chanelle.
Karen L. | Oct 2019
Thorough and responsive communication to guide through the entire process swiftly and efficiently.
Karen J. | Sep 2019
Nicholas and Chanelle made this the smoothest process ever. They were amazing to work with and I will highly recommend them.
Annemarie D. | July 2019
Nicholas Ballard and Chanelle Gonzalez were a dream to work with. Not only did they thoroughly answer all of our questions as first time home buyers, but they helped us successfully navigate an HOA litigation issue and close earlier than expected in order to accommodate a planned vacation. I would recommend them without hesitation to anyone looking for a mortgage lender.
Elizabeth B. | June 2019
Nicholas and Chanelle were so helpful and patient. Nicholas also worked to find the best rate for my circumstance. I so appreciated their expertise and their kindness! I would definitely use them again and/or refer others to them!
Donna B. | April 2019
Great service. Explained things clearly and in a way that was not lowering. They went above and beyond to help me get my home for the best deal they could find.
Natalie D. | April 2019