What people are saying... What people are saying... Read more
Great service, fast responses and the most important thing for me all remote!
Oriel B. | Apr 2020
Nicole, Karen, Michael and the rest of the team were amazing answering questions, timely responses, explaining exactly what they needed from me and walking me through the process, I felt very safe the whole time having a secure place to upload my documents and sensitive information. Awesome team!
Rose B. | Apr 2020
Nicole and her team were once again amazing. This is the second refi I've done with her and things keep getting better. The team is incredibly responsive, communicates clearly, and is a pleasure to do business with. Guaranteed Rate's tools and infrastructure are so easy to use. I've referred two friends that worked with Nicole and they also walked away pleased with the process.
Cornell N. | Apr 2020
Nicole and team were very responsive. We were able to get our mortgage refinanced in less than a month, despite all the challenges surrounding the coronavirus pandemic.
Gaynelle G. | Apr 2020
Professionalism. Very sensible team to work with. Requested the right level of information. Diligent and the same time very helpful. Easy for any customer to notice how the team was committed to providing an awesome experience.
Ranganathan B. | Apr 2020
Process was easy and straight forward. The team we worked with was awesome.
Joseph D. | Apr 2020
Efficient, clear, and so professional!
Maria Elisabeth H. | Mar 2020
Nicole and her team are amazing. They coordinated everythings so fast and closes my refinanced loan less than 1 month. The whole process was streamlined and Nicole was so helpful to clarify so many things for me. The rate is truly guaranteed.
Ngoc P. | Mar 2020
Good and fantastically quick process and courteous friendly service
Yvonne B. | Mar 2020
Because they are the best, shows you every step of the way with professionalism and care
Rose G. | Mar 2020
Nicole is great. Helped me manage the emotional rollercoaster ride
Kenneth I. | Mar 2020
Efficient, prompt and stress-free service.
Alma C. | Mar 2020
Very easy to work with. Great service
Norvin V. | Mar 2020
Very prompt replies and service
Tanmay I. | Feb 2020
Great team, easy to work with, adapted to my hours.
Julia L. | Feb 2020
the service was nearly perfect.
Neil B. | Feb 2020
They were very helpful throughout the entire process (including answering questions before we even applied) and had strong communication with us
Benjamin W. | Feb 2020
I've worked with Nicole Santizo for 20 years. Nicole is fast, brilliant and always looks out for my best interest. 5 stars everytime service
Toya J. | Jan 2020
Very competitive rate and streamlined process.
Sujoy B. | Jan 2020
Proactive to reach out, very friendly
Jonathan S. | Dec 2019
Excellent service and great people
Norvin V. | Dec 2019
Great rates, great service, and good communication to walk me through the entire process
Girish B. | Dec 2019
Prompt response! Meeting timelines efficiently
Joseph T. | Nov 2019
Nicole Santizo was incredibly attentive, proactive, and responsive throughout the process. She applied pressure internally where needed to smooth out the process, got us an incredible rate, and we closed quickly.
Stephen B. | Oct 2019
Everything was easy and smooth!
Christopher G. | Sep 2019
Nicole, Justin, Debbie and Andre were all super helpful and a joy to work with!
John F. | Aug 2019
Nicole is awesome.. worked with her twice and will definitely look forward to working with her again.
Karthick I. | August 2019
I enjoyed working with Guaranteed Rate. My primary reason for choosing them was that they gave me the best rate. Additionally, they also made the whole process smoother, by keeping it all online accessible. They were quick to respond to queries or doubts. I am satisfied with the end result and would recommend them to others without hesitation. I would like to offer one feedback. There were a few times when I felt rushed to get them some data. I would have liked to be asked for time sensitive responses/paperwork without being reminded how I was causing delays for some or the other reason.
Prachi S. | August 2019
This is the 3rd transaction we have done with Nicole/team and they are extremely detailed, organized and pleasant to work with. Obtaining a loan is a stressful endeavor and Nicole/team make the whole process simple and easy.
Allen I. | August 2019
Nicole and team was just great, having worked with other loan agents for finance/refinance I could compare how easy it was to work with them and saw they are not cutting corners, every small details were asked on my credit report and statements for documentation and even after that the loan was funded in 20 days. Amazing!!
Sumith P. | August 2019
Guaranteed Rate closed my lone from initial chat with the agent to final closure in very quick time. We felt very comfortable and open while talking to the agent. Everybody on the team are cooperative, experts, approachable, and quick to respond.
Sushant R. | May 2019
The process was clear and comfortable. The team was responsive and mostly proactive with sharing information. Nicole and Debbie were fantastic in these respects!
Maria Elisabeth H. | June 2019
Guaranteed Rate closed my loan from initial chat with the agent to final closure in very quick time. We felt very comfortable and open while talking to the agent. Everybody on the team are cooperative, experts, approachable, and quick to respond.
Sushant R. | May 2019
The team of Nicole, Debbie, Andre and everyone else who helped were amazing. Not only were they hard working, knowledgeable and diligent, but extremely kind and caring. I always felt they had our best interests at heart. Their follow through and keeping us informed from day one has been nothing short of amazing. They helped me keep my home and I am eternally grateful.
Karen E. | May 2019
There were times that it felt like I was told one thing, and then another. I appreciate there is a lot to pull this off, but there were times I was told one thing and then another.
Thomas B. | June 2019
Great job again from the team! Nicole has a good overall management plan and her team delivers a knock out performance. I was going through a lot of other important things in March and April and Nicole and her team made it so easy for us to work with them. I did not have to fret about every little detail or spend too much time chasing down paperwork. Excellent job. I will be very happy to recommend Guaranteed Rate to my friends and family.
Keshav C. | April 2019
This team was unbelievably helpful and went above and beyond. They made the whole process easy and actually fun. I will definitely recommend them to anyone I know looking to buy or refinance a home.
Kristin B. | April 2019
We've used Guaranteed Rate several times now for both new home purchases and refinances and it's the great service from Nicole and her team that's made us pick GR each time. I would definitely do the same again for any future loans and also recommendations to friends.
Vijay R. | January 2019
Nicole and Debbie were SO amazing to work with (along with the rest of the Guaranteed Rate team)! My husband and I were first time home buyers, and they made the process so easy and relaxing for us. They answered any and all questions we had with urgency. There was never a moment we felt overwhelmed or unsatisfied. We would strongly recommend Guaranteed Rate to all of our friends and family!
Crystalyn Y. | December 2018
Keep up the good work.
Jaya R. | January 2019
Debbie, Amy, and Justin on Nicole's team were outstanding. Guaranteed rate is the best lender I have worked with who close loans ahead of schedule without hassle. We have done several transactions with them and every time experience has been better than previous. Highly recommend Nicole and her team at Guaranteed Rate.
Lohit R. | November 2018
Nicole and her team were great and very responsive for our questions and made sure the whole process went on without a hitch. Thanks!
Jyostina T. | October 2018
Nicole and Debbie were SO amazing to work with (along with the rest of the Guaranteed Rate team)! My husband and I were first time home buyers and they made the process so easy and relaxing for us. They answered any and all questions we had with urgency. There was never a moment we felt overwhelmed or unsatisfied. We would strongly recommend Guaranteed Rate to all of our friends and family!
Crystalyn Y. | December 2018
I'd like to Thank Nicole, Amy, Justin and Debbie for their excellent support. Here I've to appreciate Nicole, very much. She responded to emails even after office hours, and it saves a lot of our time.
Tamizhparithi P. | October 2018
Nicole and team were wonderful. I have been in touch with Nicole for over 3 years when I started my house search. She had some great advice for me and I have never considered another bank since. Her team is also wonderful. They are on top of everything and manage the complex process with so much ease. Overall a superb experience.
Keerti N. | September 2018
Nicole Santizo is an outstanding loan officer. She made the process easy for us.
Srinivas R. | September 2018
I was extremely impressed with the speed and the professionalism of this company. Everything was explained to me clearly and quickly, the window for this loan took such a short time that I’m still in shock that it’s done already. Nicole is an asset to guarantee rate, and I wouldn’t hesitate to use her again and will share her details with all of my friends if they’re looking for a loan.
Jerry G. | September 2018
It was pleasure working with Nicole and team. Loan approval is painful process but Nicole and team made it less painful with their constant support. During whole process they were very transparent. Thanks once again for your help!!
Sagar K. | September 2018
Great team, replies came back quickly, there were no surprises.
Julia L. | August 2018
Nicole Santizo is the best loan officer I have ever worked with. She made the process so easy and accessible. She worked seamlessly with our realtor and made it possible for us to purchase our dream home. I will recommend her and Guaranteed Rate to anyone I know who is planning to buy a home. Thank you Nicole, and thanks to your great team including Debbie Angulo, Chad Mahoney, and Jennifer Maloney. Thank you Guaranteed Rate!
Chunying X. | August 2018
Nicole Santizo was very pleasant, knowledgeable and compassionate to the needs of her clients. She was able to walk us through from start to finish and straightened some problems we had before closing of escrow. Together with her team, the loan process in acquiring our new home was a smooth and stress-free experience!
Alma C. | August 2018
Nicole and her team were awesome to work with. We had a tight deadline and her team did an incredible job to hit it. We got a very good rate as well. I would recommend her services to all of my friends who will be applying for a home loan.
Gaurav B. | July 2018
Nicole and her team made my first time home buyer experience an awesome one. Way to to Nicole. You ROCK!!!
Venkata S. | July 2018
The team is very helpful at every stage of the home buying. They are always available to answer any questions that we had. thank you very much for all the support. We could not have done this without your help!!
Prajwal U. | July 2018
I would like to rate this team 20 on a scale of 10! Absolutely fantastic!! Team's responsiveness is unmatched. Nicole, Chad, Debbi, Jennifer, Holly, Santizo, we can't thank you enough for helping us secure our first home.
Manjunath C. | June 2018
Nicole ad her team (Debbie, Peter, and Chad) were great to work with. They were super responsive and kept us in the loop throughout the process. Very much appreciated! Our loan was unique (e.g., working with the 3rd party), but they made this process about as easy as I could imagine given the complexity.
Julia M. | May 2018
Great help from Nicole & Team. Very friendly & knowledgeable people.
Mayank P. | June 2018
For any refinancing needs, I plan to connect with the team that helped me, as they were the best team I could have hoped for. Thanks Nicole and team!
Jatin G. | May 2018
It was a pleasure working with Nicole and team. They made the entire homebuying experience a smooth and memorable one for us. Everyone in the team played their role to perfection, and their professionalism is of the highest quality. Each member is highly experienced, collaborative, resourceful, and always alert. Whenever a challenging situation presented itself, they knew the corrective course of action and quickly implemented it. They all went above and beyond call of duty to take us to the finish line on-time. We highly recommend Nicole and team to anyone who like us are serious about winning competitive bids and close the sale on-time.
Oviya and Mani | May 2018
Nicole was a true professional.
Brent H. | May 2018
Nicole & her team are fantastic. Each person we worked with was extremely professional and helpful. This was our first loan and Nicole did an incredible job explaining each and every detail throughout the process!
Noel S. | April 2018
The most fantastic group of loan agents and officers. Made it possible for me to close well ahead of time, meeting the pressure that was being put on me by the seller’s agent. I look forward to working with the team again (in lesser pressure circumstances) if I need any other loans ever again. Thanks Nicole, Debbie, Peter, Jordan, Chad!
Jatin G. | April 2018
Nicole came with a solid recommendation and she lived up to it. She closed our loan in 19 days and was very helpful.
Chandrashekar V. | April 2018
Nicole Santizo and her team are "Awesome"! They were there to help Mike and I with any questions we may have. They made the loan process very smooth and explained what would be happening at each step of the way. I would definitely, refer Nicole to my family and friends. Mahalo!!
Joy R. | April 2018
Nicole was very fast in execution right from PreApproval till Funding of Loan. Firstly, she got pre approval within overnight. Secondly she was very agile in entire loan process, appraisals and funding. She met me the day I got offer accepted and patiently explained me all the process and provided guidance. Nicole provided excellent suppport in overall process and got me best possible results. Jordan and others in her team are very good as wel to help with loan execution and in terms of working with under writer and got all the disclosures signed from me and worked with me to get additional documents. They are great team to work with and thoroughly professional.
Aarun Sailyendran M. - April | 2018
Thanks to the awesome work of Nicole and team, we closed the loan in 21 days. Everything went smoothly and looking at the current market conditions, I think Nicole got us a very competitive rate. Thanks again for all your efforts.
Sahil S. - March | 2018
Very nice customer service and very knowledgeable staff. Loved working with them.
Sushanth T. - Funded 3/6/18
Closely involved in closing the deal. Always prompt in communication. All staffs are very helpful.
Arijit M. | February 2018
The Guaranteed Rate team and especially loan officer, Nicole Santizo, were extremely professional and dedicated to the customer's needs. Keep up the good work Guaranteed Rate!
Indradip G. | February 2018
Had a great experience working with Nicole and the others in the team including Chad, Jordan and Peter. Would definitely want to work with them again and will recommend others to do the same as well.
Vijay R. | February 2018
Nicole and her team did an amazing job. We were able to get a good rate and close quickly. Thanks!
Jimmy P. | January 2018
Thanks to Nicole and her team. You all made it easy!
Chris L. | January 2018
Very professional, very proactive. Most of the things were done on-line without need for face to face. Liked the fact that the signing was done at my home. Good rate as well.
Gannesh B. | January 2018
Nicole and Chad are great. They are highly dependable each time.
Nithin R. - December | 2017
The team is always on top of the loan experience. In addition, they work to make it as painless as possible. Great job.
Eric S. - Funded 12/14/17
Hi Nicole, I would like to thank you and the great team for having the process so smooth and in professional manner with high sense of urgency and dedication. We will definitely use "Rate" again in the future many thanks to the Super-Team! Kind regards, Tali and Vadim
Vadim B. - December | 2017
Nicole and her team has been pretty awesome and I have already recommended two of my friends with her. Will continue to do business with Nicole and team.
Anoop K.N. | November 2017
Every person in Nicole's team including Nicole was wonderful to work with. They responded to my questions promptly with great details, and made the process look much simpler.
Ramakrishnan S. | November 2017
Considering our past credit and many other issues we had during the re-fi process Nicole and her team guided us and never gave up on us through many many obstacles. In the end, we could not have asked for a better group of people helping us and we ended up getting a better rate than expected! Thank you Nicole Santizo and crew!
Sheldon R.| November 2017
Nicole Santizo and her team are killing it! Great communications, super-responsive and a lot of patient to explain every detail. I highly recommend
Alon S. | November 2017
Nicole Santizo and everyone on her team are amazing!!!
Clifford D. - Funded 10/18/17
Nicole was extremely helpful and even more patient in explaining all our questions as a first time home buyer! Nicole and her team were by far the best people we have dealt with in terms of seamlessly procuring our mortgage. They helped us from start to finish with documents, questions, preparations etc. I would recommend Nicole and her team to anyone who is looking to take away a big stress and get some GOOD HELP during their home buying process which is pretty brutal in Bay Area anyways!
Twinkle A. | October 2017
Nicole and her whole team were helpful and knowledgeable throughout the process.
Laura T. | October 2017
Great experience. Nicole and staff were super helpful and on top of things.
Karthick I. - Funded 10/2/17
This refinance was absolutely the easiest one for me. Information provided was very clear and to the point. Follow ups from the team were phenomenal to have everything done on time.
Venkata S. | September 2017
Very professional and helpful in gathering documents. 2nd deal I did with Nicole.
Michael P. | August 2017
Nicole Santizo was fantastic. We would recommend her services to our friends.
Dilip R. - Funded 7/27/17
Good service and attention to detail.
Umesh C. - Funded 8/14/17
All those I worked with were timely with answering my questions. Everything was processed on time as promised. Thank you for getting everything taken care of for us to close on time.
- Donald R. - Funded 8/11/17
Nicole Santizo is THE BEST. Guaranteed Rate is fortunate to have her. I came to know Nicole 12 years ago when she helped finance the purchase of our first home. Through several refinances including the purchase of our second home, we have stuck with Nicole because of her extraordinary customer relationship & communication skills (as well as the requisite business & technical knowledge). And of course, with this recent transaction, Nicole (and by extension - her team) was as outstanding as ever. Thanks to everyone that supported this closure. Much appreciated.
- Edward K. - Funded 8/11/17
I will use GR as long as Nicole Santizo is a loan officer with you.
Karen L. - Santa Cruz, CA | JUL 2017
Satisfied customer. Nicole and team were very informative right through the process. They made the whole journey from pre-approvals to loan closing a smooth experience.
Ashish D. - San Jose, CA | JUL 2017
Nicole, Chad, and Peter were extremely helpful in the entire home buying process. Not only were they very communicative, they also answered all our questions and explained each step carefully so that we had a better understanding of what needed to be done.
Kevin H. - San Jose, CA | JUN 2017
Overall, our loan officer was very professional, approachable, kind, and helpful.
Vinodth M. - Santa Clara, CA | JUN 2017
Nicole's team was exceptional. Great speed and professionalism. We were extremely happy and satisfied.
Nicole and her team were extremely helpful and made my loan process pretty simple. I would highly recommend Guaranteed Rate to my friends.
Manu P. | 6/9/2017
I loved working with Nicole Santizo, my loan officer. I knew her from a past escrow I was miraculously able to close with her help. I reached out to her this time, as well, and she was very prompt, honest, and gave me all the relevant information I needed and shared also her opinions on what made sense in the decision-making process. I was on travel during the escrow process this time, and Nicole and her team worked with me and we were able to close the loan without any hiccups.
Nithin R. | 5/19/2017
Stacy, Chad, Peter, and Nicole did great job refinancing my loan to get better rate and making sure we closed on time. Highly recommend this team for mortgages.
Lohit R. | 5/24/2017
I was very happy with the service provided by my loan officer, Nicole Santizo, and her team. They are very prompt to answer questions/concerns and are readily available. They understood my requirements and provided me the best possible quote, especially when compared to what was available in the market. I was very pleased to work with Nicole and her team at Guaranteed rate, and I would definitely recommend her to my friends and family.
Sheeba B. | 5/22/2017
Very easy process, competitive rates, and friendly people.
Deanna G. | 5/8/2017
Everyone at Guaranteed Rate was very helpful and guided me through every step of the process. My loan officer, in particular, was extremely helpful, taking extra time to send follow up emails and explain documents in detail for my benefit. I felt very comfortable that they knew the trade and were trustworthy. I will definitely recommend Guaranteed Rate in the future.
Nick L. | 3/13/2017
Submitting all documents electronically worked very well. Huge plus!
James H. | 3/27/2017
Nicole Santizo is superb.
Wow - what a service! Nicole, Shawn, and their team members are excellent. They all beat my expectations. I've never had such a smooth process. Thanks!