What people are saying... What people are saying... Back to profile
Everything about the process was painless. The team was professional yet very willing to explain any questions or concerns I had. Just a super experience.
Anna R. - Castle Rock, CO | May 2021
Phil Forbes and his team were fantastic in their service and were great to work with.
Kyle F. - Prospect, KY | May 2021
Effort above and beyond to facilitate closing.
Kathi H. - Cincinnati, OH | May 2021
Phil and his team do a great job!
John D. - Aurora, IN | Apr 2021
I feel that Phil and his team went above and beyond to get our loan done
Jeffrey S. - Lynchburg, OH | Apr 2021
Very informative and responsive
Nicole S. - Maineville, OH | Apr 2021
Things went fairly smoothly with our refinance and the end result was even better than we thought!
Amber P. - Cincinnati, OH | Apr 2021
we have never had such a wonderful experience in processing a house loan.
Jason S. - Milford, OH | Apr 2021
Phil’s team was easy to work with an very helpful.
Chelsey B. - Haysville, KS | Apr 2021
They made the process so easy. They directed you every step of the way and explained the whys and whatnots.
Constance F. | Mar 2021
It was very easy and smooth process
Shelley S. - Milford, OH | Apr 2021
They are prompt and informative
Taylor M. | Feb 2021
Rate available and overall experience with the loan officer’s team
John M. | Feb 2021
quick and easy to deal with.
Eric B. | Feb 2021
Quick and easy from start to close.
Sean S. | Feb 2021
Phil Forbes and his team are amazing
Michael S. | Feb 2021
Happy with everything that was done to complete our loan.
Joshua D. | Feb 2021
Easy to reach people with question
Peggy L. | Feb 2021
Excellent communication and the process was easy and quick!
Michael V. | Aug 2020
Easy and quick to work with!
Chad W. | Feb 2021
Responsive & hard working, plus the folks I worked with did what they said they would do.
Brett S. | Aug 2020
3 times we have worked with Phil and his team, they are always on top of it, every detail and item thoughtfully taken care of
Douglas L. | Jan 2021
I like working with Phil Forbes.
James F. | Aug 2020
They were a great team to work with again... helped me through the process and were patient while trying to locate documentation.
Melanie D. | Dec 2020
Ease of use, knowledge of lender, competent
Gina P. | Jan 2021
Super easy process. Staff was very helpful and communicative.
Ahmed M. | Aug 2020
The process was pretty streamlined. I liked the checklist on the website.
Theodore H. | Sep 2020
Very Professional and accommodating
James A. | Oct 2020
Everyone did an awesome job and was able to close earlier than projected.
Matthew G. | Dec 2020
Everything was handled by Guaranteed even in the pandemic and they did a great job!
Raymond C. | Jan 2021
Phil is very personable and his team is top notch. It was a seamless and simple transaction.
Lisa Q. | Aug 2020
Phil Forbes is an excellent loan officer
Grant B. | Sep 2020
Phil Forbes has always been quick to answer my questions. Whether it be email, text, or phone call.
Jason F. | Oct 2020
Other firms couldn’t guarantee a close-by date. Phil Forbes and his team is AWESOME.
Paul D. | Dec 2020
Phil Forbes and his team were great
Sergio Z. | Jan 2021
Because they went over and beyond for my family and I from day one. Phil is the best. If you want a go getter, call Phil
Javon P. | Aug 2020
Very easy to work with no gimmicks or hassles
Timothy G. | Sep 2020
Phil and Mayra were amazing to work with. Great communication, and they make you feel like you are the only person they are working with.
Mechelle H. | Oct 2020
It is our second experience working with Guaranteed Rate. It was not stressful, accurate and fast and we feel very confident working with you
Ekaterina M. | Nov 2020
Quick responses to questions
Amanda K. | Dec 2020
Phil and his team are amazing
David B. | Jan 2021
Working with Phil is always easy! He makes sure that we fully understand all the options on the table so we can make the best decision for us!
Louis L. | Aug 2020
They were excellent and patient with me they deserved this excellent score
Joshua H. | Sep 2020
did a great job!! kept us imformed
Richard S. | Oct 2020
Excellent service and they made the process smooth.
Casey B. | Nov 2020
Phil is great to work with - always helpful and makes me feel as though he's provided me with all options, including the best possible scenario for me in my situation.
Aaron G. | Dec 2020
Phil Forbes was excellent!!
Martha R. | Jan 2021
Service and communication were great. Process was easy.
David C. | Jul 2020
Phil and his team are so efficient and great to work with. They make it so easy and answered every one of my questions. Overall great experience and we feel like we got the best deal possible.
Tad K. | Jul 2020
This is the second time we've worked with Phil Forbes. My mom has also used him twice too. The only reason I went to GR is due to Phil. He is the BEST!
Dennis W. | Jul 2020
Phil team did a great job helping us to get our loan as fast as possible so we can be in our house early during the pandemic time. The team was so professional and friendly. Thank you so much!
Kathryn Z. | Jul 2020
From beginning to end the process of obtaining the loan to signing of final documents was seamless
Jennifer A B. | Jul 2020
My experiences (as well as my family) with Phil Forbes
Bonnie M. | Jun 2020
Up front about details, good answers to questions.
Bradley K. | Jun 2020
The employees were patient and walked me through every question that I had!
Stephanie R. | Jun 2020
Very easy to work with, very professional, answered all questions and emails very quickly. The entire process was easy - especially for a new home owner.
Drew G. | Jun 2020
ease and speed of refinance
Carol R. | May 2020
I like Phil and he is honest
Marcia C. | Jun 2020
Phil has been a great communicator, way to work with and ready to help
Garrett P. | May 2020
Fast, friendly and easy to work with!
Melissa A. | Apr 2020
They were easy to work with and followed through with a great rate and great service.
Eric L. | May 2020
The team answers questions very quickly.
Andrew M. | Apr 2020
Paul and his team were fabulous, every step of the way they kept me informed. They made a stressful purchase much less stressful!
Jennifer B. | Apr 2020
Phil Forbes did a good job from beginning to the end. I like the communication flow and updates
Edith T. | Apr 2020
Quick responses from the team.
Pamela B. | Apr 2020
It was the best closing cost plus we have been very satisfied with Phil Forbes.
Sharon L. | Mar 2020
Phil Forbes' team was fantastic to work with, again!
Jie Huan F. | Mar 2020
My family and I love dealing with GRate. They made sure we understood everything happening with a refinance. Very great and helpful.
Brian C. | Feb 2020
Past experience with Phil Forbes and his team.
Marianna S. | Feb 2020
They were very responsive and made the process very smooth and easy!
Donald R. | Feb 2020
Phil Forbes and his team was very efficient and knowledgeable about everything
Jesse W. | Feb 2020
Excellent Customer Service
Michael S. | Jan 2020
Phil and his team are always there to answer questions and help in understanding the process - for a person like me that means a lot.
Douglas L. | Jan 2020
The team I worked with was AMAZING! Made everything so easy!
Lisa Q. | Jan 2020
Friendly, easy to work with
James B. | Jan 2020
Online portal to upload all documents, ability to review and e-sign most documents for closing, hassle free pre-approval process. Friendly service.
Jamie P. | Dec 2019
Great service! Phil is friendly and informative. Brenda was helpful with the process.
Jean H. | Jan 2020
Because you helped me get the house I wanted and you did it in a very timely manner.
Tammy C. | Dec 2019
Phil Forbes and his team are A+
Thomas L. | Nov 2019
Phil made the entire process very easy to work through, took the time to clarify any questions we had and was very responsive. Made the process very easy and made sure we were comfortable with the process.
Kristiina G. | Nov 2019
It was a great experience
John D. | Nov 2019
Phil handled everything very professionally and explained the process very well. He was on top of everything throughout getting my loan set up and approved.
Donald S. | Oct 2019
Phil Forbes was and is the best! He was very helpful and easy to work with.
Laura C. | Sep 2019
Working with Phil Forbes was very easy.
Michael C. | Sep 2019
Phil Forbes and his team (Brenda Brefeld, David Maggard, Nicole Ratcliffe) were great professionals who always made me feel as if I was their #1 client. They made the process very easy and always explained things thoroughly as they knew This was my first ever home purchase. They came highly recommended by my realtor, Jennifer Gonzalez, and I’m glad I made the decision to go with them. Thank you guys so much, I love my new house.
Matthew S. | August 2019
I am very pleased with Phil and his team.
Andrew M. | July 2019
Guaranteed Rate was the greatest loan process experience I have ever had from beginning to end.
Jeffrey G. | June 2019
Phil Forbes is the best! I would never have been able to enjoy my dream home without him!! He is lovely with his dealings and transactions, making a very stressful process enjoyable. I will always be indebted to him. Thanks so very much!
Jody S. | June 2019
Phil Forbes was great to work with. This this the second time we’ve used him and we would definitely use him again.
Samuel T. | May 2019
Phil Forbes and his team were fantastic! He was very knowledgeable, quick tor respond, and provided good advice in regards to the loan process.
Joel M. | May 2019
My loan officer kept me informed at every step and was on top of the game. The only issue is that the closing costs were higher than any other place I shopped around. But again if you are looking for good service you may just pay that and work with Phil.
Akram S. | May 2019
Phil and his team went above and beyond to help me get the house my family will enjoy for a long time. Phil was always there to answer any questions or concerns that I might have had along the way. We couldn’t be happier with out experience with guaranteed rate and will be using them in the future.
Joseph W. | May 2019
Phil was excellent. He walked us through every step of the process, and even when we made mistakes, he was able to work around our short comings to get our loan processed on time. He truly goes above and beyond! Professional, knowledgeable and fast. I highly recommend Guaranteed Rate!
Aboubacar T. | April 2019
Phil Forbes was amazing to work with and answered all my questions. He went out of his way to be at my closing.
Andrew M. | March 2019
Phil is top-notch, and always finishes ahead of schedule.
Payton P. | April 2019
The GR team, led by Phil Forbes, was tremendous. They made every step as easy as possible and set accurate expectations along the way.
Jennifer N. | February 2019
Phil Forbes was amazing and his assistant Brenda was as well. They made it super easy for me and they also answered every single question or concern I had without hesitation. Very pleased with them.
Kristin V. | February 2019
I have worked with Phil Forbes/Brenda and team on a few real estate transactions for clients and trusted him to help with my personal transaction. The experience was exactly what I expected, and I knew it would go smoothly. I will always use and recommend this team.
Kathryn S. | February 2019
Phil Forbes and the entire team were great to work with. The kept me informed and updated on every step in the process. I can’t say enough great things about Guaranteed Rate. I would highly recommend them to anyone.
Jack R. | October 2018
Phil is the BEST in the business. Phil and his staff where the most awesome group to work with.
Thomas L., October 2018
Phil made the entire loan process very easy.
Christopher B. | September 2018
Phil Forbes was extremely helpful, communicative, and organized. He provided a great experience that otherwise could have been painful! Thank you!
Carrie P. | October 2018
Phil and team were great to work with and answered all our crazy questions and helped us through the many times of us finding a house and then not finding a house! At the end of the day we found our dream home and they made the process of getting a loan smooth!
Scott L. | September 2018
Phil was extremely accessible and made the process very relaxed and comfortable. He was ready with answers to my questions and completed everything on schedule. Highly professional and very knowledgeable. Phil and his team earned my highest recommendation!
Cynthia L. | September 2018
Phil and everyone did a great job and made buying a home simple and easy for me. Thanks for all the behind the scenes work that him and your team did. Thanks everyone for such a great job.
Michael B. - August | 2018
Phil Forbes was very professional and dedicated to make sure my dream of owning my home was realized. I appreciated all his efforts and hard work.
Edith T. | August 2018
Phil Forbes and Guaranteed Rate made this new home purchase experience easy and hassle free. We'll be recommending Phil and the company to anyone we know that is in the market for a new mortgage.
Tommy G. | July 2018
Phil was fantastic from start to finish and even came to the closing to insure it went perfectly. He was available even on Saturday for questions.
James D. - July | 2018
Phil Forbes and his team are great. There are seven loans in total, Phil's team was very patience and detailed oriented. All were closed on-time and at quality
Hari K. | June 2018
Phil and team were great. Thanks!
Timothy T. | June 2018
Phil Forbes and his staff did an OUTSTANDING job working with our loan process. Phil took our calls and texts every time we had a question. Would definitely recommend their office to others.
Nicholas S. | May 2018
I've now worked with Phil Forbes on 4 loans. Phil and his team are easy to work with, and Phil is a great source of information. He's always willing to talk my questions through with me. This time around, I needed my closing numbers earlier than what is normal. I was going out of town for business, and the timing of my return made it unlikely I would be able to get to the bank to set up a wire in time before my closing. Phil's team were able to get me my numbers prior to leaving on my trip. I would recommend Phil to anyone needing a mortgage or refinance.
Anthony P. | April 2018
Phil, Brenda and the rest of his team were great. They were ultra responsive to questions we had, they saved me about 30 basis points over the best quote I was able to obtain on my own, and they even made the closing hassle free with the least amount of paperwork I have seen to refi or buy a house.
Scott F. | April 2018
The best experience I could have asked for. Very smooth. No major bumps during the process.
Kara E. | February 2018
Phil and his team did a fantastic job! I have 0 complaints and would definitely recommend them anyone looking for a Home loan!
Thomas H. - January | 2018
We appreciated the entire loan experience with GR! Phil Forbes was an excellent loan officer.
Gene J. | January 2018
You and your team did an excellent job! The entire process was pretty easy for us and you guys made yourself available at a moments notice! The Rate is awesome. Your Service has been exceptional. Your knowledge and expertise made us feel very comfortable throughout the entire process. You also did a great job of explaining things to us and giving us an unbiased opinion – which we truly appreciate I can’t think of anything you guys could have done better – we will definitely recommend you in the event we know someone looking for a home loan!
Thomas H. - Funded 1/2018
I was impressed with the fantastic personal service I received from the start of my home buying experience. I felt like Phil truly cared about me as a person and helped me understand the loan process every step of the way. My questions were always answered quickly and in terms I could understand. I have been in my new home now almost two weeks and I am so happy that Phil, along with your team at Guaranteed Rate, has made it possible for me to buy my new home. Thank you!
Jean H. - Funded 12/14/2017
Phil was an excellent loan officer. He and his team pushed through our loan in record time so that we could close on the house 2 weeks earlier than originally planned. His service and communication were excellent. I would be happy to use Phil again.
Neil W.| November 2017
Understanding and Helpful, what you want from a lender. Phil was great during our whole process, he worked with us as things changed and flowed throughout the process. Each step along the way was very transparent, easy to follow, and timely. He was knowledgable of the options that were available to us and willing to do what was best for our situation.
B. Wise - August | 2017
He walked me through this process from start to finish and made it so easy. He answered all of my questions in a timely manner when I needed help. I wish everyone was as nice and helpful! He took the stress out of the whole process.
Helped us watch rates, excellent service.
Very helpful! Completed both loans quickly.
Phil is always available by phone or email. He was prompt with responses to all of our questions.
Tammy & Kenny T.
I’ve worked with Phil for many years. He always does an excellent job and is very helpful and thorough. I look forward to working with him in the future.
Erin & Ryan N.
Phil was just the best ever. He listened and accommodated my schedule. Best of all, he was precise and used email and saved me lots of time in obtaining my loan. He was thorough and forgot no detail. He was flexible with problem solving and due to his extensive knowledge of the process he could always find a solution. I enjoyed working with him and I’m really enjoying my new home! My best to Phil.
Ginger & James R.
Attended our closing, expedited our application to have an on-time closing. I wish I had a ‘Phil’ for every aspect of life! I’d recommend anyone use him!
Julie & Shane M.
Phil Forbes is an excellent mortgage source. If I decide to purchase or refinance again I will call Phil to do my next mortgage. Excellent follow up and professionalism.
Ritchy & Jane T.
I think Phil is awesome! He made the whole financing process so easy. If I had a question, he always got back to me in a reasonable timeframe. There was absolutely no guess-work on my part. Thank you Phil!
Phil Forbes and I have been working together for 15 years. He’s on the short list for client referrals.
Brad & Diane C.
Phil did a really good job of moving things along quickly because we had a time constraint related to needing to move out of our former residence.
John & Susan R.
Everything! To narrow it down, Phil was always available, even after hours, to answer any questions/concerns that I had. I will work with Phil in all future transactions, no matter the bank, as long as possible ( until he retires:) ).
Professional, quick response, turnaround time, kept me notified the entire process.
Perry & Tonya L.
The process was well organized and was fast. Mr. Forbes was very knowledgeable and professional. He allowed me to have communication with him day/night.
David & Paula M.
Quick response time, attention to detail, very knowledgeable on why the mortgage business is the way it is. More than willing to take his time to explain it to you.
Phil was very flexible and accommodating, meeting me at my office, meeting in our home and very easy to get on the phone.
Tracey & John S.
Phil was very personal. It was nice to feel like a person. We were not treated like a number.
Steven & Liette M.
Phil was on top of our loan from start to close, easy to work with on a complicated loan.
Dustin & Amy H.
He was very organized and very helpful in step-wise procedures as far as what docs we needed to produce and what timing to expect.
David & Sharon D. - 07/2012
We really appreciated how easy it was/is to get a professional answer. Being first time home buyers we had a great experience and really appreciate all of the help we got from Phil.
Stephanie & Jason H.
Phil kept us well informed every step of the way. He was available to us no matter how small or minor the question, and he always took the time to explain.
Phil has first rate service! Very friendly and attentive.
Michelle C. - 12/2011
We felt that Phil was very up front. He was very fast at moving the paperwork forward and giving us assistance and feedback during the process.
Marc C. - 11/2011
Excellent communicator!! Delivered exactly as promised. Thanks Phil!
Erin Q. - 10/2011
Very responsive and knowledgeable. Got back with me on all questions in a very timely manner and explained all aspects of our loan in great detail.
Bridget R. - 11/2011
The level of customer service was excellent. Phil answered my emails and phone calls quickly, and was a wealth of knowledge.
Cathy C. - 10/2011
Phil kept the process going and provided fast responses.
Mark D. - 10/2011
Very professional and knowledgeable. Attentive to my mortgage needs and I felt valued as a customer.
Cynthia L. - 10/2011
He was awesome! We had a ‘special’ situation that he was able to address. If it wasn’t for him, we would STILL be renting.
Michael & Jenny M. - 05/2011
Phil has a great track record. He helping with my first mortgage as well as my refinance. Phil assisted me with professionalism, knowledge and great insight.
Paul C. - 05/2011
Mr. Forbes was very professional as well as making us feel as if every question we had was important to him. He always took our calls and visits to the office. It was as if we were his only customers!
John M. - 08/2011
While the rate was competitive, it was Phil’s commitment to understanding our overall needs and coming back to us with a complete package to address our needs that was the difference maker.
William & Winfred G. - 04/2011
Phil really helped me get the best available rate and researched all options to help me with finding the best option for my situation. He made the experience personal.
Tabitha - 03/2011
I was very impressed with how prompt Phil was getting our loan finished. He was always available to talk as well.
James & Patricia - 03/2011
He was easy to talk to and answered all of my questions.
Elaine G. - 03/2011
Phil worked with our HELOC bank to get our HELOC subordinated.
Dave C. - 02/2011
We’ve never had any banking/mortgage experience go as flawlessly as was this one!!
Gregg & Charlene S. - 02/2011
Attention to detail, foresaw challenges and dealt with them before the issue slowed our process.
Jon & Nell - 12/2010
Phil was quick to respond to every question and always went one step beyond.
Elisa W. - 11/2010
Phil made the entire process go so smoothly I was left amazed. Phil took the time to go over things with us on the phone. Additionally, he met with us after normal business hours one weekday evening for about 2 hours to go over page by page the application explaining it in detail. Phil drove about 45 minutes to be present at our closing and congratulate us in person before having to go to another appointment. I know that is not customary and shows Phil’s dedication and passion to service and his clients. I cannot speak highly enough of Phil and how simple he made this new process for us.
Josh & Marianna - 02/2016