Trust me when I say that if you need a mortgage loan, you MUST call Yossi Notik! I just closed on my first mortgage loan, and I would never do this again without calling Yossi first. When I started working with Yossi, I had been in escrow for 9 months already. There had been some unavoidable complications with my transaction, and then the bank that I was originally working with majorly screwed up my first 2 mortgage applications (their fault, not mine). I was dangerously close to the seller canceling the contract due to those bank errors. This is when I called Yossi. He was extremely understanding of my predicament and my urgency to obtain a commitment letter asap. He fast-tracked my application and I was able to get my commitment letter within a couple of weeks to meet the deadline in my contract. I was a first-time homebuyer, but whether or not this is your first time buying a home or your 10th time, you need to call Yossi. Because I first dealt with a bank on my own before working with Yossi, I can tell you that the difference is in the customer service and the ease of the transaction. I almost lost my sanity in working with the bank on my own. They kept losing my paperwork, I had to email them constantly to make sure they were doing their job, as things kept getting overlooked, and sometimes it took me days and sometimes weeks before I could get a response to my emails and voicemails. In dealing with Yossi, I simply provided him all the information he asked for and did not need to do anything else except to wait for the commitment letter. He is extremely knowledgeable about his business, very responsive and understanding of his clients' needs, and is a very pleasant person to speak with. He will give you honest advice, answer all your questions, and explain everything about the process to make it as simple for you as possible. I really can't say enough good things about Yossi and my experience working with him. Please do yourself a favor and call Yossi when you need a mortgage broker. I absolutely guarantee that you will not regret it! read more

As a first time home buyer, my husband and I were just starting to familiarize ourselves with the enormous process of home ownership and a mortgage. We were lucky enough to receive Yossi Notik's name as a recommendation. I called him and we began the process of obtaining a quote through his bank. Yossi was not only knowledgeable, but was very accommodating in listening to my concerns and explaining the step-by-step process in a way I could understand, while alleviating my concerns and mitigating my anxieties. No question was too simple and he explained information in such a professional and friendly manner, you felt like an active participant throughout the entire process. Any question via phone or email was answered expeditiously and he maintained a level of reassurance that was comforting, especially when you are embarking on such a long-term and serious commitment. The additional support we received from Yossi was that he was very careful and diligent about explaining the pros and cons of every option we had, again, making us an objective, active participant. Even though we have since moved into our new home, I know that I can contact Yossi at any time and he would be as friendly and helpful as ever. If you are looking for a personable, reliable, competent and professional broker, especially as a first time buyer, I highly recommend contacting Yossi Notik. I will be recommending Yossi to friends and family and when it comes time for us to consider another home purchase, we will undoubtedly be contacting him again! Trust me - contact him and see for yourself! yossi@guaranteedrate.com read more

Yossi Notik recently helped me secure a mortgage, at a great rate, and I could not be happier with our interactions. Yossi was recommended to me by two different friends, both of whom said, "Is it strange that I LOVE my mortgage broker?" When first hearing this I thought yes, that does sound a bit odd, but after my experience with Yossi I completely agree. Yossi worked tirelessly to get us the best possible rate and made the process as smooth as possible. He was incredibly proactive and very responsive, always making himself available when my husband or I had questions or wanted to run something by him. We had a lengthy, complex purchase, and Yossi went above and beyond for us, always encouraging us to stay positive and keep our spirits up, and demonstrating that he had everything under control and was moving the process forward. When we first started the process, Yossi mentioned that he took pride in helping to educate homebuyers on the mortgage process. He absolutely demonstrated this, and was more than happy to provide us with all the background info we wanted and always thoroughly answered our questions. Beyond just educating us, he was a really sound advisor with a good business sense and a practical approach to dealing with any issues that arose. I highly recommend Yossi and Guaranteed Rate to anyone who is looking for a mortgage broker's services. I will absolutely use Yossi again in the future. Yossi is truly a professional, and really is a pleasure to work with. I have already recommended Yossi to a few friends in the area, who have been extremely pleased as well. read more

I can't recommend Yossi enough. He stuck with my partner and I through our long process of searching for and buying our first home in NYC, taking the time to explain everything we had questions about, and always with enthusiasm and inclusiveness. He continually made himself not just available, but always accessible. He has given us real, human time and contact to absorb all of the numbers and regulations that just felt so abstract and overwhelming to comprehend. And he made these exchanges feel manageable, coherent, and even enjoyable. He never misses details, always responds, stays on top of everything, offered the best referrals, maintains consistently impeccable professionalism and approachability, and billed us fairly and transparently for his outstanding service. I feel so lucky to have had his help and support in this important transition in our lives, and have already recommended him to friends. It is a joy to see them, at the beginning of their home ownership process, encounter the same wonderful qualities that have made our experience with Yossi so fabulous. I read all these reviews before we began our loan application, and felt reassured I was in good hands, from all of the positive feedback I saw on this page. But this being our first time home purchase, in as tough a market as NYC is, I had no idea what 'being in good hands' actually meant or felt like as an experience. Until now, the day of our closing, when I can say with resounding gratitude, how instrumental Yossi has been in making this experience a positively high moment of my partner's and my life. read more

When we began our search to buy a new place, we were given a tip from a family friend to call Yossi Notik at Guaranteed Rate, and after working with him through completion of the sale, we want to pass along our absolute highest recommendation. Yossi is not only a patient listener, but he's quick and responsive, and always aware of what's needed and what's coming up next. We were on a bit of a tight schedule, and knowing this, Yossi kept the application process at a fast pace, which is what we needed. This is just one example of how sensitive he was to our needs, and how interested he was in not just finishing the sale, but in actually helping us. Yossi is always available over the phone or email, and would offer to further explain situations over the phone whenever an email alone would not suffice. He's exceptionally good at explaining what to look out for, whether in the short term of the application process or in the long term strategy of picking the best mortgage. From our experience, we can also affirm that his online application process was easy, smoothly handled, and not at all convoluted, as some others can be. Yossi is chipper, friendly, and he made the whole thing a lot less intimidating than it could have been. We can't wait until we have another chance to work with Yossi again and cannot recommend him any more highly. read more

As a first time home buyer, I was not really looking forward to the whole process, particularly the mortgage approval. But thank goodness a friend had referred me to Yossi Notik at Guaranteed Rate. I have to say this was the smoothest, most seamless and actually most pleasant part of my whole home buying experience. Yossi and his team were SO patient with all of my questions, handled my nervousness and gave me confidence throughout. They were so diligent, attentive (responded to every email and phone call immediately, even late after hours), knowledgeable (walked me through each step, what to expect, etc.) and helped guide me through such a painless process. They also have a great, handy step-by-step progress system too where you can check what your approval status is. Even the lawyers and real estate agents at the closing were commenting on how much of an anomaly Guaranteed Rate was as far as lenders go. I will recommend them to anyone who'll listen! read more

After having difficulty refinancing my co-op in Park Slope, I was referred to Yossi Notik at Guaranteed by a friend. Yossi listened intently to my story, which had been an unhappy experience, full of mishaps with a previous broker. He showed genuine empathy and promised me he would do everything in his power to help me. And that's exactly what he did. I closed this week on my new mortgage. Yossi is the kind of person who brings dedication and excellence to his work. He actually cares about the outcome. He is a fantastic communicator and is good at managing obstacles and developing innovative strategies to solve problems. His expertise really shines through. All of my interactions with Yossi and with Guaranteed were timely, organized and thorough. This experience was about as good as it gets. read more

Our broker was Yossi Notik. In my lifetime, I have bought 4 houses and refinanced 2x. My experience with Yossi was hands down the best I've had. I finally understand what it means to be a professional in the mortgage business. Our transaction was a tad hairy, complicated by the fact that I lived in another state and wasn't physically around to respond immediately. Yossi set expectations from the get go so that I understood what he needed from me when and very clearly explained my options. He kept me informed every step of the way and responded instantly (even on Sunday nights!) to my questions. Yossi was not only patient and courteous, but has a great sense of humor. He obviously enjoys his work and is 100% customer service oriented. If I ever buy another home, Yossi will be my first call. read more

I just purchased my first apartment ever in New York City and my broker was Yossi Notik. I thought it was going to be a hassle and an extremely grueling process, but Yossi was amazing and made everything so easy!! Anyone could do it if they had Yossi helping them. He was extremely organized and was always there to answer any questions I had, and I had a lot. He would always respond immediately and never seemed to be annoyed. Yossi made the process, not grueling, but fun and exciting! He was so on top of things, I thought he was only thinking about me, which was awesome! I highly recommend his services, because there can't be a more educated and professional worker than he showed me. Top of the line in all facets and I will continue to use his services forever!!! read more

Yossi is truly awesome! With his expert help, my wife and I refinanced from an FHA to traditional mortgage saving a full point on the rate, dropping the mortgage insurance, and drawing on equity to pay off all our student loans -- all with a substantial reduction in our monthly mortgage payment. Deal. of. the. decade. The transaction ran smoothly and quickly, and our new loan is with a leading national bank. Others have already attested to Yossi's knowledge, diligence and accessibility. I gladly join the chorus of praise. Seriously, whatever your situation, if you're in the market for a mortgage just call Yossi now. read more

My mortgage broker Yossi was and is incredible. During the whole mortgage process he assisted, kept me abreast of the process and on many occasions decribed the morgatge process. I was a first time home buyer who was very nervous and Yossi understood that was at my side throughout the whole process. I recently gave my co-worker who is also a first time homebuyer in New Jersey his information and after speaking to him she too has decided to use his services over the ones in her own state. That speaks volumes for the type of person Yossi truely is and his love for helping others fulfil their dreams of home ownership. read more

We recently bought our first apartment and debated between going direct to banks or using a broker. We are very happy that we chose to go with a broker and got to work with Yossi. He was incredibly helpful, answered all our questions, got back to us immediately (despite my hundreds of questions), and most importantly saved us more money that we would have been able to do on our own. Our mortgage ended up being pretty complicated, and it was so much easier to have someone experienced making sure that we locked at the right times - even just a few tenths of a percent saved us a lot of money in the end! read more

We have had a long term relationship with Yossi Notik (yossi@guaranteedrate.com.) over the past 5 years (he was previously with Manhanttan Mortgage) to find financing options for a new purchase and refinance in Brooklyn. In both cases, Yossi has been exceptional. He is very knowledgeable of the different products available in addition to all the nuances that you need to deal with when financing a New York City property. He is very genuine and responsive and highly recommend reaching out to him. Both transactions went seamlessly without any hiccups. read more

At the recommendation of our real estate broker, we worked with Yossi Notik at Guaranteed Rate for our mortgage. The bottom line... my wife and I would recommend him to everyone in a heartbeat. He was professional & responsive throughout the entire process. He educated us on the process and what every little detail meant. The closing went off without a hitch, and a huge part of that is because of Yossi. If you're debating between a mortgage broker, I urge you to go with Yossi. You will be incredibly happy with your experience. read more

I had a very good experience with Guaranteed Rate. I bought a coop in Brooklyn last month. My broker was Yossi Notik, who was recommended to me by my RE agent. Yossi was great. One of the most responsive people I have dealt with. Every deadline that he gave himself he always kept. There were no surprises to speak of. He even gave me a one day rate lock extension for free which was needed because my lawyer could not get his act in order and schedule a closing in a timely fashion. read more

Our mortgage broker, Yossi, was absolutely incredible through out our entire process. As a first time home buyer, I was way in over my head to say the least. Yossi patiently help me through the whole process . I truly felt that he had our best interest in mind. He was always available and responded immediately to my wide assortment of questions. If you are looking for the ideal Mortgage broker, look no further. Yossi is your man. read more

My broker Yossi Notik absolutely saved the day! He was incredibly easygoing and patient. He transformed what potentially could have been a harrowing situation into a totally stress-free experience. I highly recommend his service. read more

Yossi Notik and his team at Guaranteed Rate were awesome from the get go. I needed a quick transaction done professionally and got exactly that! Advice was given wisely and objectively. Highly Recommended! read more