What people are saying... What people are saying... Back to profile
Excellent customer service. Steven answered all of our questions within minutes and he spent a lot of time explaining to us the entire refinance process.
Habtamu T. - Newark, NJ | Oct 2021
Everyone was quick to respond and give me answers to questions I had in a very timely manner!
Deidra C. - Newark, NJ | Oct 2021
Simplicity and speed of the process.
Richard C. - Brick, NJ | Oct 2021
The use of technology to aid in the closing and the one stop shopping. I was able to get my home and flood insurance using your agents
Gregory W. - Stafford Township, NJ | Sep 2021
Steve was AMAZING! This is our 3rd loan with him (2nd refi). I called him earlier in the year to ask if a refi made sense and he explained why it didn't. Then he proactively got in touch when it made sense. Everything was super easy. Would refi again when rates drop to 2.0 :)
Aleksandr M. - Jersey City, NJ | Sep 2021
Easy process and quick to close
Ajo G. - Wayne, NJ | Aug 2021
responsiveness and great rate
Katherine F. - Hoboken, NJ | Jul 2021
I had no issues during the process from pre-approval to closing. Any questions I had were promptly answered.
Michael M. - Spring Lake, NJ | Jun 2021
Very fast responses and great service
Michael V. - Wall Township, NJ | Jun 2021
Competitive rates, very good service, easily accessible
Joydeep M. - Princeton, NJ | May 2021
The team was attentive and easy to work with. Steve was always available when we had questions or needed something done quickly.
Marc Y. - New York, NY | Apr 2021
Responsive team. Steve listened to my needs and found me a great refinance option. Closing was painless and fast.
Christine G. - Brielle, NJ | Apr 2021
Steve was very pleasant to work with and happy with my new rate!!
Zorina N. - Tenafly, NJ | Apr 2021
Rates were competitive. I was quoted a rate from the beginning as well as conditions and they were all met
Lavine S. | Mar 2021
As a 1st time home buyer, Guaranteed Rate made my experience a great one. Steven Luzzi (my point of contact) did an excellent job walking me through the process, answered all of my questions & was always available to provide me with insight, explanations, etc...
Daniel C. | Mar 2021
The entire process was much quicker and easier than in the past.
Timothy R. | Mar 2021
Friendly and responsive team, made the refinance process very easy
Joshua P. | Mar 2021
Everyone responded very quickly when I had questions.
Chetankum P. | Feb 2021
Everything was easy and well-organized, Steven''s response was always prompt and helpful.
Olga M. | Jan 2021
All the people we dealt with were great - professional and personable. The entire process was top notch
Suzanne P. | Feb 2021
Easy to communicate with and easy access to sign online and send documents online
Robert C. | Jan 2021
Great customer service and prompt response time.
Sean R. | Jan 2021
Steve was amazing to work with
Chelsea B. | Sep 2020
So simple and accommodating
Patrick D. | Jan 2021
My loan advisor Steve Luzzi is the best I've done business with.
Gautam N. | Sep 2020
Steve and his team came across as very transparent and informative.
Mohammad N. | Jan 2021
Each staff member I worked with was pleasant and helpful. Process was smooth and painless
Laura Q. | Sep 2020
Excellent customer service and rates
Richard L. | Dec 2020
They are simply the best. Always available, completely clear with everything that is needed, trustworthy, always looking out for customer needs.
Timothy O. | Aug 2020
Competitive mortgage rates, streamlined online application process, quick response
Samel C. | Sep 2020
I liked the way everyone from guaranteed rate responded with queries on my application and the whole process
Pravin D. | Oct 2020
They were responsive in a timely manner.
iman z. | Nov 2020
Steven Luzzi is an awesome lender. He has seamlessly completed my refinance process.
Varun P. | Dec 2020
Great people - very efficent
Cathy H. | Jan 2021
Easy, quick followup, great support.
Stacy S. | Jul 2020
1. The application process was efficient and streamlined. 2. Contacts were responsive, professional, and answered all of my questions. 3. I received a fair and competitive rate for my refinance loan. 4. The closing costs appear to be more than fair and lower than national average.
MICHAEL L. | Jun 2020
Seamless execution. Can lock in rates at right time
Sean M. | Jul 2020
doing the refi was very easy, no hassle at all
Michael S. | Jun 2020
Good service from Steve and his team
Christopher B. | Jun 2020
Jeffrey S. | Jun 2020
Easy Process. Clear communication
Stephanie S. | Jun 2020
Steve connected me with the best appraisal company. I had tried to refinance previously with a different company and the appraisers they used caused issues.
Daniel M. | Jun 2020
Easy closing. Good deal. VERY responsive team. I appreciated two things a lot: 1. Steve and the rest of the team were incredibly responsive in answering all of my questions quickly. 2. They were receptive to the fact that we did not want anyone in our house during COVID19 times and helped figure out the appraisal and signing to match.
Aleksandr M. | May 2020
Steve Luzzi is a 12, the rest of the team is a 9.9 So the average is a 10.
David T. | May 2020
a seamless transaction with no surprises
Ayman S. | Apr 2020
Very efficient. Also a better rate than going to a bank for a mortgage
Manuel C. | Apr 2020
Under the current situation they did everything possible to complete the loan
Barry M. | Apr 2020
Steve Luzzi and his team are great! The whole mortgage process - from getting a quote to closing - was very seamless and hassle free... but where my mortgage experience really stands out was the outstanding service that Steve and his team provided. Communication was great throughout the process. Highly recommended!
Nicholas P. | Oct 2019
They were very communicative throughout the whole process, they answered all our questions, and were very easy to work with.
Karl H. | Mar 2020
Helped me get a mortgage when no one else would, and Steve Luzzi and Tracey Walsh were amazing to work with.
Alexander S. | Feb 2020
Team was always available and did not play any games.
Jonathan G. | Feb 2020
very responsible and always trying to be flexible. also best deal guranteed
Seung Kwon H. | Feb 2020
Quick, easy, communicative through the process
Jeffrey S. | Oct 2019
Good communication with clients
Adekunle O. | Feb 2020
Our broker, Steve Luzzi, was really easy to work with and made himself available at any moment to answer questions.
Lisa O. | Jan 2020
Steve had been our loan officer since 2011 (our first home). Steve has made our home buying and mortgage refinancing experience easier.
Sreevidya K. | Oct 2019
Where my loan officer goes, I go. However from the time we started the loan process, it was EXTREMELY easy to upload the information needed and the notifications by email when more docs or verification's were needed, was also very easy. I am very busy, yet I didn't feel that this process was time consuming or annoying in any way.This is BY FAR the easiest complex process that I've ever encountered.
Rodney B. | Aug 2019
Great experience. I have worked with Steve Luzzi in the past, and he's never let me down. Would recommend him and his team to anyone in the market for a mortgage.
Terrance M. | July 2019
The lenders were extremely helpful and accommodating with the process. They were able to secure a rate quickly and provide everything needed for the early closing date.
Francisco C. | July 2019
Steven Luzzi made this first time home owners experience very easy. My fiancé and I had so many questions and Steven answered all very quickly. Passed his info on to home if our friends already.
Daisy M. | April 2019
Steve and Amy and Fawne were incredibly responsive. Steve in particular called me down repeatedly as I became anxious about this or that as it played out. Everything good! Thank you!
David T. | May 2019
The team at Guaranteed Rate was very patient and helpful to work out my loan details. Fawne Berkowitz was instrumental in pushing things along, staying top of all the moving pieces and ensuring things went smoothly.
Daniel C. | March 2019
This is my first time home purchase. Steven was recommended by my Agent; I contacted Steven a bit late night and didn't expect he would reply to me on that night. He responded me right away and set the time to call the next day for further discussion. After having discussed, he advised mortgage approval will take (3) weeks. As soon as I have registered my information and required docs, Steven and his team Jolene, Amy and Fawne processed step by step as promised. Amazing Team! Updated the status timely. I would like to say Steven and his team said exactly what needed for the loan process and the whole team did without any delay. Steven played his role as the Forward and as well as the Striker to score the Goal with full confidence. As Promised, the mortgage was approved and clear to close within (3) weeks, just due to new year holidays, the closing was successfully done on Jan 3rd, 2019 which was the best New Year Gift ever. No need to say that Guaranteed Rate was so professional, great teamwork, transparent, and did Excellent job for the client. I really appreciate the incredible team effort of Steven, Jolene, Amy, Fawne, and all Guaranteed Rate team!
Khin Z. | January 2019
I think the team was great, they made a very daunting process seem straight forward, They were very responsive and quick to answer the many questions I had a long the way - a big shout out to Steve Luzzi, Fawne Berkowitz and their team for helping us get our dream home!
Emma P. - September | 2018
Thanks for a wonderful job on the process of getting my loan.
Kirk M. | July 2018
Everyone I dealt with was efficient and got info to me as needed. Steven and the whole team seemed to know their jobs well.
Alan W. | July 2018