What people are saying... What people are saying... Back to profile
Competitive rate. Knowledge of team on options that I could take or siad another way...a consultative approach. Speed of overall process.
David P. - San Jose, CA | Oct 2021
Excellent service, quick phone call and email returns
Susan M. - Novato, CA | Oct 2021
Good communication and ease of transaction
Leah M. - Nicasio, CA | Oct 2021
Very painless process. Rob Spinosa was very flexible
Mark S. - Novato, CA | Sep 2021
Worked with Rob Spinosa and his team before, and received excellent service throughout the whole, quick process.
Lynn E. - Novato, CA | Oct 2021
Efficient processing of our application. Readily responsive and available staff for questions that we had.
Todd J. - San Rafael, CA | Sep 2021
Great speedy experience with team Spinosa
Dennis J. - Dublin, CA | Sep 2021
Did an excellent job, very professional, quick and readily available for any questions
Vivian S. - Corte Madera, CA | Sep 2021
All of the people who worked with me were professional, accurate, patient, and efficient.
Elizabeth T. - Petaluma, CA | Sep 2021
I have already recommended Guaranteed Rate to a number of friends and family.
James B. - Tiburon, CA | Aug 2021
The level of service, efficiency and customer service was beyond my expectations. I had never dealth with such an efficient group of people. They were simply outstanding!
Angela D. - San Anselmo, CA | Sep 2021
Robert and his entire team were extremely helpful in completing this process. We were especially thankful that all of them were so kind and so patient with us.
Lucille A. - Elk Grove, CA | Aug 2021
Rob Spinosa and team were excellent. Fast to respond to any questions I had and helpful in understanding the context for various document requests.
John S. - Mountain View, CA | Aug 2021
Excellent customer experience with good, proactive communication throughout the process.
John C. - Los Gatos, CA | Aug 2021
Excellent customer service, very attentive, and worked through the inevitable issues that crop up with a non-standard loan application.
Joshua G. - Berkeley, CA | Aug 2021
Excellent customer service
Ming W. - Kentfield, CA | Jul 2021
Exceptional, professional service and expertise.
Minette V. - Richmond, CA | Jul 2021
Every step of the way was a positive experience and the staff were very helpful.
Jacob F. - Santa Rosa, CA | Jun 2021
Very efficient, courteous and they made the process pretty simple.
Margaret P. - Larkspur, CA | Jun 2021
Everyone is very helpful and responsive. I have worked with Rob Spinoza in the past and he is a pleasure to work with.
Lery C. - Oakland, CA | Jun 2021
Rob and his team have been extremely responsive to our needs through purchase of our house and recent refinancing.
Glenn M. - Los Gatos, CA | Jun 2021
Quick professional knowledgeable courteous service!
David V. - Fairfax, CA | Jun 2021
Robert Spinosa and his entire lending team were fantastic to work with. I got the best rate out there for my refinance and the entire process was quick and seamless. All my questions were answered thoroughly and in a timely manner. I can't speak highly enough about my experience with Rob. I look forward to doing business again with the Rob, his team and Guaranteed Rate. Thanks to everyone!
Marisha H. - Morgan Hill, CA | Jun 2021
Rob was very professional and answered all our questions very patiently.
Anup M. - Milpitas, CA | Jun 2021
Rob Spinosa and his team were incredible! Rob called to check in periodically (but never obtrusively) until I was ready to start making offers in earnest. His team helped me with preapproval letters in a very hot market, making sure I could come in with competitive offers every time. When I finally had my offer accepted, they were incredibly responsive throughout the loan approval process, and made everything easy to understand and lightning fast. I could not be more pleased with the service.
Tamara F. - Pacifica, CA | May 2021
jamie and Amy have been really helpful in getting the transaction done
Swarnendu G. - San Francisco, CA | May 2021
Efficient turn around time - my cash out refi was completed in 2 weeks.
Lawrence T. - Elk Grove, CA | May 2021
The team I work with is always very prompt and friendly.
Anthony G. - Novato, CA | May 2021
Customer service, efficient process, "fair" and transparent pricing.
Daniel T. - San Mateo, CA | Apr 2021
People were very supporting during the process
Christian R. - Redwood City, CA | Apr 2021
Excellent service from Rob Spinosa as always
Matthew G. - Walnut Creek, CA | Apr 2021
Excellent support throughout the process
Jeremy C. - Santa Monica, CA | Apr 2021
I was very impressed with the team that worked with me
Gloria B. | Mar 2021
Efficient and responsive handling of refinance and answered all questions.
Stephen S. | Mar 2021
Very efficient, excellent rates and gets the job done.
Steven H. | Mar 2021
Did an outstanding job and pleasant to deal with.
Dylan M. | Mar 2021
Great Team. Good Rates. Easy online process.
Vincent T. | Mar 2021
They made the process quick and efficient
Paul R. | Feb 2021
Smooth communication. Expertise on the entire team.
Andrew K. | Feb 2021
Rob Spinosa and his team are outstanding and go out of their way to help, explain, and guide you through the process.
Kimberly P. | Feb 2021
Overall great responsiveness. reasonable rates
Barbara S. | Feb 2021
My questions were always answered
Joseph T. | Feb 2021
It was a seamless process handled, professionally, and quickly from end to end.
Ellen R. | Feb 2021
friendly, efficient and knowledgable
Vanessa S. | Feb 2021
Very responsive and proactive in making sure we have complete our deliverable for our timelines
Roy G. | Aug 2020
Rob was very good with communication. Liked the upload platform for requested documents.
Paul B. | Jan 2021
Everyone I interacted with were very professional and a pleasure to work with
Alexander B. | Feb 2021
Absolutely amazing team. Made the process so easy!
Carlee W. | Dec 2020
good customer service and process was easy
Julie S. | Jan 2021
ROB SPINOSA AND JAMIE WILEY ROCK!
Michael S. | Aug 2020
I liked everyone who worked with me. They were all knowledgeable and attentive
Lien T. | Sep 2020
Rob Spinosa is smart, knowledgeable, responsive, and kind. His team is very efficient.
Stephen S. | Dec 2020
Great service, very attentive in response
Kenny K. | Jan 2021
Overall, I had a smooth, clear and easy process to refinance my home. Instructions, requirements and communications were clear and follow up, if needed, was prompt. This was my second refinance experience with guaranteedRate because it worked great before, so why change what was not broken?
Jorge A. | Aug 2020
The process with Jamie was great! Loved the app!
Hilda M. | Sep 2020
Although the loan process took a long time Rob Spinosa stayed on top of things and kept me informed. Also, he was always available to answer questions.
Linda H. | Oct 2020
Friendly, professional people that were easy to work with.
Brian F. | Dec 2020
Good rate, easy communications.
Kristoffer R. | Jan 2021
Good customer support. Good communication about process and timelines.
John R. | Aug 2020
Jamie Wiley was super responsive, professional and knowledgeable. As the process slowed through the bowels underwriting and loan processing, Jamie kept it going internally and kept me in the loop the whole time. Seamless refi experience due to 100% of his effort
Tom N. | Sep 2020
Great rate. Good communication, helpful, fast
Jeffrey B. | Oct 2020
Efficient, personable, got the job done.
Alberto C. | Nov 2020
Rob is the best! He makes the process very easy and helps you all the way through to the end
Jonathan H. | Dec 2020
Outstanding customer service before during and after the entire process. Rob, Jamie and the team handled things perfectly!
David N. | Jan 2021
They did a great job of working with underwriting to get the approval needed.
Steven H. | Aug 2020
Rob and Jamie were very helpful in these trying times
Stephen J. | Sep 2020
Rates were good. Customer service was excellent
Ken W. | Oct 2020
Because it has excellent customer service and makes the process easy for getting all the paperwork done.
John K. | Dec 2020
Easy process, good communication from all team members
Caitlin F. | Jan 2021
Everything from start to finish was seamless. The online platform made it easy to follow and Rob and his team worked around the clock to deliver.
Natalie B. | Jul 2020
Rob and his team were easy to work with, quick to respond to my questions, and the process was relatively painless.
Aenoch L. | Jul 2020
The communication was excellent. Jamie Wiley did a great job answering all of my questions.
Richard N. | Jul 2020
got me the loan. fairly easy process.
LeRoy L. | Jul 2020
Their customer service and product delivery were outstanding!
William K. | Jul 2020
They did a great job and made our refinance very easy. Kept us well informed all the way through the process.
James M. | Jun 2020
they put things together far easier than I had anticipated they worked with all those involved with a positive "we can do this" attitude every step of the way
Charles C. | Jun 2020
The communication was consistently clear and responsive. My questions and concerns were answered thoroughly and thoughtfully.
Eric V. | Jun 2020
Rob and his team were fantastic to work with, and I feel like I got the best rate I could.
Eileen R. | Jun 2020
Rob Spinosa and his team were responsive and professional. They answered all of our questions clearly and in a timely manner.
Philip G. | Jun 2020
Very clear and easy communication, trushworthy.
Rachael B. | Jun 2020
Fast response time, great service team, competitive rates.
Christopher E. | Jun 2020
All the people we worked with were efficient and very helpful
Janette R. | May 2020
They made the refinancing process easy.
Teresa H. | May 2020
Good results, friendly staff
Rene S. | May 2020
Jamie Wiley who is the Licensed Sales Assistant that I worked with is knowledgeable and prompt when responding.
Hugo Jude F. | May 2020
The team was responsive, worked quickly, and throughly explained the process to us.
Morgan T. | May 2020
Communication and following up from Rob Spinosa himself all the way to his entire team that supported my refinance loan.
Lawrence T. | May 2020
It was a positive experience from initial contact to closing. Everything was clearly explained and all of the people we worked with were very responsive to our questions.
Janis L. | May 2020
Because of our broker, Rob Spinosa.
Thad A. | May 2020
Totally painless process during a particularly time.
Timothy P. | May 2020
Rob has always been in touch with me regardless of a drop in rate. Really makes a customer feel as though they are more than a number.
Carina V. | May 2020
The entire process flowed smoothly, with great communication throughout.
Gregory Y. | May 2020
They did a great job with my father, he referred them to me and I was equally as happy with their performance.
Dylan M. | May 2020
Rob Spinosa and his team worked efficiently to get our loan completed despite the challenges of the pandemic restrictions. Couldn’t have been easier.
Patricia S. | Apr 2020
We're very happy with the job.
Chris G. | May 2020
Excellent, convenient and efficient service.
Susan P. | Apr 2020
The team that helped me did a great job. I chose 9 out of 10, because I didn't do research to see if there was someone better. I just stick with the same loan person I've been working with over the years.
Shinehah B. | Apr 2020
Rob and his team have been great -- working extra hard to get my first mortgage and now my refi pulled together to save me money in very difficult times.
David P. | Apr 2020
The process was very easy, fast, and the representatives I worked with were total pro's, very kind, helpful and great to work with.
James H. | Mar 2020
Great staff. Very helpful. Pleasure to speak and work with...
Jacob F. | Mar 2020
The whole team is efficient, knowledgeable, and quick to respond.
Herve L. | Mar 2020
They were such an expert and friendly multi person team - all communicating with each other and me that I could not have been happier
Carla W. | Mar 2020
Easy process, fast service, knowledgeable advisors
Lisha B. | Mar 2020
I felt incredibly informed throughout the entire process. Even when information wasn't readily apparent, I was able to call Rob personally and get immediate clarification or reassurance. That is extraordinarily valuable!
Alexander C. | Mar 2020
Rob and his team are great!!!
David A. | Mar 2020
Rob was able to get us the best rate that I believe was possible
Matthew G. | Feb 2020
I am not that savvy when it comes to navigating through online sites. Guaranteed Rate made it extremely easy and comfortable to use.
Janet S. | Feb 2020
Rob Spinosa was able to find a program that worked with my specific situation, was timely in follow up, and worked with me through a 6 month home search process. There was some confusion during the documentation, but Rob and Debbie Barrett's extra care offset that.
Jae S. | Jan 2020
Successful outcome despite change in circumstances, solutions were made available and good choices presented.
Jorge A. | Jan 2020
The whole process was easy and Rob and his gang were super responsive
David A. | Dec 2019
Wrap around services Complete satisfaction with all four of the very helpful people ready to answer any question I had.
Carla W. | Dec 2019
Rob was conscientious, thorough and extremely easy to work with
Tom M. | Dec 2019
Efficiency, availability, professionalism, getting ‘er done.
Ford C. | Dec 2019
Great to work with. On the ball. Quick to respond.
Matthew Z. | Oct 2019
You're just organized anf thoughtful.
William G. | Oct 2019
Zephrin L. | Oct 2019
Because of Rob Spinosa. His service is incredible.
Michael L. | Oct 2019
Digitized most of the process; fast; efficient; personal and honest. 9 of 10 only because there is a significant cost (and maybe it's low but I can't say). Experience-wise, 10 of 10 - Overall, would not hesitate to recommend only GR. Comment re: "how easy" - expected it to be difficult gathering docs and it took a while but was about what I expected.
Michael S. | Oct 2019
Rob Spiosa’s Fine service and that of his team
Irene L. | Sep 2019
Rob is great and easy to work with. Very easy process and would love to work with again.
Brian E. | August 2019
Rob and his team were great. They made this entire process very easy for us. Would recommend them again in a heartbeat.
David E. | August 2019
Yes, we would certainly use Guaranteed Rate again, if the need arose, and in the meantime highly recommend Rob Spinosa and his team to anyone thinking of a home loan. We deeply appreciated Rob's many explanations about home loans and the approval process, and the responsiveness of the entire team (Debbie Barrett, Stacy Chadwell, Theresa Bui, Michael Lewis, Katie Van) through the approval and closing process. The ring of professionalism extends to: the secure methods for transferring all the information needed for approval; GR's co-ordination with the Escrow officer and even our insurance agent, on our behalf; and GR's complete management of the interaction with the underwriter, especially in the 'climactic' stage, saving us a lot of trouble. If we were to really try and mention something that could be improved upon, it would be to perhaps provide us upfront with a list of steps to the closing, over the last few days of the process. (This is probably something that the Escrow officer controls; nonetheless, we had got used to receiving all pertinent information from GR!) Thank you all again!
Ramaswami K. | Aug 2019
I have been working with Rob and his team for years and trust his guidance.
Darin G. | Aug 2019
Great team to work with! Rob is super responsive and helpful! Love how easy it is to use the website check list to organize all the documents needed. This really cut down on time and confusion on my side Thank you!!!
Gayle E. | August 2019
Rob and his team were extremely attentive and always available for a quick response when we had questions.
Carolyn K. | July 2019
Excellent service! Quick response to your questions. Rob is very dependable and you can count on him. Very honest and no hidden fees. Answers calls right away. Highly recommended!
James S. | August 2019
Rob Spinosa and his team were a pleasure to work with. They made the loan process very easy and kept us updated on the progress of the refinance. Any questions we had were answered immediately. I would be very confident in referring other people to Rob and his team.
Michael L. | July 2019
I was extremely impressed by Rob Spinosa and his team. They were able to secure the loan with the most favorable terms. I was extremely impressed by the speed and ease of the process.
Lindsay T. | July 2019
Rob was so patient with all of my questions and very knowledgeable. His whole team made themselves available at all hours and made me feel like I was there only client.
Angelica A. | July 2019
This was our second time working with Rob Spinosa and his team. Although we had an offer from another company, he negotiated and provided an even better offer. Specifically, the amount of education we receive from Rob and the amount of transparency he provides makes this experience pleasant and absolutely recommendable.
Hamed Z. | July 2019
Great communication, quick response. Easy process. Good team.
Brendhan G. | June 2019
Rob and Debbie and Theresa, and all the other people on the Rate side we’re super easy to work with, very professional and efficient, answered all my questions when I had them, and facilitated getting me the best rate possible based on my finances!
Peter C. | May 2019
Great, fast and easy service. Rob and his team did an excellent job and were very responsive.
Gregg L. | February 2019
Rob Spinosa was a pleasure to work with. Our home buying experience was a lengthy and emotional process, and Rob was there when we needed him. He was kind and supportive, and was never bothered by our questions. Securing a loan through Guaranteed Rate was relatively painless and we’re happy with our loan product. Thanks for great service!
Susan P. | January 2019
Areas of improvement would be communication within the group as it seemed they were not in one location. Towards the end, I felt pressured from Carmen Rayo to sign documents just to close within 21 days. Aside from that, it was an incredible experience. Rob is very knowledgeable, and I trusted we could complete the transaction without any issues. Very happy all in all.
Susy E. | November 2018
Rob Spinosa is extremely knowledgeable and helpful; he was there every step of the way to answer my questions promptly. Highly recommended!
Herve L. | October 2018
Rob and his team were great to work with. He helped us understand the loan options available to us and made it easy to understand. The document requests were simple to fulfill. Everything was handled in a timely fashion, and all of our questions were answered immediately. We look forward to working with Rob again on our next loan!
Michael L., October 2018
Thank you Ryan and your team for everything you have done for us, Cash has referred us to you and a million thanks to him for having us work with professional and straightforward people that always looking to provide the best service and satisfaction to their clients. Thank you.
Walid R., October 2018
Rob and Carmen ( and the entire team) were amazing. They went above and beyond to make what due to " our circumstances," could have been an arduous process easy and rewarding. Rob, in particular, was always on his game. Concise, accurate and always with reach, moments away and aware of every step and issue. Impressive and guess what... he "just happens to be a great person." Many thanks, Jack & Lorrie
John C., October 2018
We had a great experience with Rob. We had a few job changes in the middle of our house search, but Rob was great on giving us the detail in each situation as to what house we could afford and was quick to respond to provide us pre- approved information to give us a leg up in our house search to give us a leg up on the competition. Marin county is a hot market and without his expertise we wouldn't have been able to land our house. The process was easy and smooth and I really appreciate Robs responsiveness and expertise in the loan process. Much appreciated. I would give him two thumbs up.
Brian E. - May | 2018
The team was excellent. I couldn't be happier. I will be back for any future loans for sure! I'm in safe hands with Guaranteed Rate, thanks again!!
Jonathan H. | August 2018