Ken and Lorena were excellent to work with and got me a mortgage at an interest rate other providers I enquired with couldn't beat. Communication was always fast and efficient. They were both friendly and professional and answered all of my many questions. I wouldn't hesitate to recommend Ken and Lorena to anyone needing a mortgage to purchase their new home. read more

Kenny and his team were so professional and knowledgeable. He is personally very accessible and pleasant to work with. He works so hard even over the weekends to get the job done before the closing date. Loan price was the best among all lenders that I got quotes from and also he gave me the best possible rate. I will work with him again if needed in future and highly recommend him to others. read more

Kenneth and his team, Lorena are incredible. From amazing rates, to uncovering possibilities that no other loan agent could find, he works tirelessly to make sure you get the best deal possible. I worked with Kenneth on a very difficult loan, and spoke to 4 other commercial loan agents and 5 residential. None of them were able to help me. Kenneth identified possibilities and cross checked with his internal colleagues to ensure that this was worth pursuing. He answered all of my questions, and often worked late into the night to make sure that the process went smoothly. He and Lorena are communicative, friendly, and efficient. They go above and beyond for their customers. I cannot recommend this team more, and have referred them to all my family and friends! read more

Great, informative team who helped me achieve my dream of homeownership. Kenneth, Erica, Melisa and Catherine all helped me secure a down payment assistance loan and a traditional loan to help me move forward. I highly recommend Guaranteed Rate Affinity they helped create my dream come true. read more

Kenneth and his team, Lorena and Agnes, are seriously the best in the business. They go ABOVE and BEYOND to help their clients. Recently we used them for the purchase of a home that had some complicated things... they were able to get it done and fully funded by the closing day! Any hurdles or things that could slow you up they are relentless in finding a way to get it done. The price of this house wasn't the highest but they treated us like we were million dollar clients. They don't worry about the dollar sign they were that their clients are getting the loan they can afford! I've used them multiple times and each time they just amaze me with what they can get done. I would recommend everyone to check them out. They respond right away, explain everything in detail, and the best thing.. is they are honest about what they see. They won't blow smoke up your butt and waste your time. As long as they are in lending they will always be my go to team! Thanks Kenneth, Lorena and Agnes for making dreams come true! read more

Kenneth was fantastic. He had the lowest rates--other mortgage companies could not beat him. Hey were incredulous. He and his whole team were also very fast and helpful. He got us closed within 21 days from applying. Pretty amazing. I would 100% go to Kenneth again. read more

Kenneth is professional and reviews my documents very carefully. There is no surprise from lender or title company after he gave me the list of documents needed from beginning. We closed the house in 30 days including Christmas and New Year holidays. Kenneth's team always response in time. That makes us feel very comfortable when we feel nervous and uncertain since it's our first time to apply for loan. Definitely recommend to anyone. read more

We refinanced with Kenneth Gauranteed Rate and again it was as smooth as it can get. Kenneth provides excellent solutions to our need and his team is always on top of everything. Quick communication, competitive rates and products, and they can close quick! Highly recommended. read more

Kenneth and his team (Lorena) were all amazing. They made the process of buying my FIRST home quick and easy. The entire process took a little over a month for me. It probably would have been a bit faster if I had the appropriate paystubs available. So just a heads up to keep all recent paystubs nearby and not in a storage like I did. It definitely happened really fast, I didn't even have enough time to prepare for this big milestone. Haha I am so thankful that I went to them, they gave me the perfect gift for the holidays. I am truly appreciative. I highly recommend them and will definitely return to them if needed in the future. read more

The team hard pulled our credit score even after we told them not to do so. When our lender asked us about this, we had no idea what happened. Anyway, they provided an explanation letter soon. They did not intentionally hurt us. read more

If you are looking for someone who is extremely talented to make your home buying process easy and smooth Kenneth is definitely the person to go to! In my case he took a stressful process and made it pain free I would say. Idk how he does it but he gets it done. He is seriously so amazing!! We did a 21 day escrow and he was quick and efficient in each and every step. I feel blessed to know Kenneth and his assistant Lorena who did wonderful job handling all our paperwork in a proper way throughout the entire process. Will definitely recommend Kenneth and Lorena any chance I get!! Thank you guys for being so awesome !! read more

I did worked with Kenneth to get the loan for my new house. Kenneth and his team (Lorena) worked day and night and closed the loan in record 22 days. They are professional and always available over the phone to answer any questions that you have. I will be more than happy to refer them to anyone and to purchase or refinance any loan. Thank you Kenneth & Lorena for going extra step and keeping me up to date on the whole process day by day. read more

Ken is the best!! I refer all of my clients and family to him. He's always available, extremely intelligent, quick to return calls and incredibly reliable. I can honestly say any time I refer a client to him he gets the job done. I highly recommend him. He's my go to guy!! read more

Kenneth and I this year alone have closed close to 10 deals together and it has been a pleasure working with him for the last couple of years! Along with helping my clients get the lowest rate possible, Kenneth and his team are always on top of our deadlines to ensure deals close as expected (if not sooner). I would continue recommending Kenneth to my friends, family and clients! read more

Kenneth and his team are very professional and dependable. They helped me with my loan process. They're very easy to work with, and responded effectively with any requirements and questions. Kenneth will list all the things you need to be done in order to get low rate and make everything easy and smooth. I'm happy to work with them and have recommended them to my friends. read more

Kenneth came recommended to us by our good friend who is an agent for Coldwell Banker Bain. We we looking to do a refinance as rates had been plummeting owed to COVID. Kenneth LISTENS. He doesn't sell or pitch. He just asks you what you want, what you can do and he provides the rates that you need. You tell him what you want to go forward with and Kenneth and his team DELIVER. It's a win win. I've had a previous disaster refinance and this was so much more the better experience. We are extremely happy with the entire process. I think it took about a month from start to end which I think is amazing!!! read more

We recently purchased a home and I used Guaranteed Rate Affinity, LLC services to find the right home loan. Kenneth and his team are very knowledgeable of the market and finance processes. They made what needed to be done very smooth and everything was done in a timely manner as they anticipated it would be. I am very impressed with Guaranteed Rate and Kenneth's hard work to get our loan finalized. I'll use their service again and again if needed and strongly recommend Kenneth, his team and the firm to anyone who needs refinancing or looking for a new home loan. Thanks Kenneth & team!! Anoush H. read more

Kenneth is amazing. I just had a real good experience to work with him and his team. He provided me the lowest rate compared with other lenders. Also, he tried best to keep the whole process as easy as possible for me. I will definitely recommend him to my friends and coworkers in the future. read more

Thanks Kenneth for helping my husband and me doing our loan on purchasing home, and refinance our new home. He is patient and always answer our questions in timely manner. This is the second time that we worked with Kenneth and his team. Excellent service and great job. All paper work and documents are clear. Loan closing fast, low interest rate and stress free. We will look for Kenneth to do our loan again in future and will definitely recomemend our friends and family to Kenneth. read more

This was my first time buying a home and I started the process with quite a bit of doubt and reservation, especially since the Bay Area home market is nothing but low inventory and high prices. A good rate and full transparency about what I was getting into was key. In this regard, Kenneth and his highly knowledgable assistant, Lorena, were an absolute pleasure to work with! Not only did they handle all my doubts with the loan process, they went above and beyond to close my loan ahead of schedule because my job required me to take a last-minute trip that was going to coincide with my closing date. Kenneth and Lorena were straightforward, accessible (I could text or call Kenneth whenever I had a question), and very patient with answering all my questions. They also worked well with my agent and the escrow company so that everything came through seamlessly on the day I signed. I have nothing but the highest of recommendation and praise for Kenneth and Lorena and would highly suggest their services for anyone that's looking to buy a home. Thank you Kenneth and Lorena!! read more

Kenneth and his team are absolutely one of the best loan agent team. He helps us with our home purchase in San Jose. He is extremely responsive. I was actually doing some very complicated transactions to make my downpayment so I was super confused and anxious during the closing process and I throw out tons of question on Kenneth. Kenneth is super nice and patient and guided me step by step about how to do it. Finally, we were able to make it work and closed the deal on time. I would highly recommend Kenneth since he provided such a great job to me. read more

Kenneth and Lorena worked with me during the process of purchasing my first home. They took what can be a stressful process and made it easy and as close to stress-free as possible for me. I can't thank them enough. They were clear about what paperwork I initially needed to submit and followed up with me either by phone or email as needed throughout the entire process. When I had questions they were patient and got back to me quickly. If you're looking to buy a home, then this is the team that you want to work with. They're clear, fast, and meticulous. Thank you! read more

Wow!! In this market, it's very hard to find good mortgage agents who you can trust and are reliable. I must say we got lucky by chance when my agent recommended us to work with Kenneth. Initially I was little skeptical but walked away with complete satisfaction at closing. He is amazing, super responsive and really knows his stuff. He meticulously managed our loan process with every single details so it did not run into issues with bank underwriter. He was always available to answer any questions, clarifications needed to keep the process moving, keeping final closing date in sight. He was able to meet the aggressive loan closing terms without any contingency. Totally recommend to anyone who is looking to buy or refinance. Give him a call and guaranteed you will walk away happy. read more

We worked with Kenneth and Lorena on our first home mortgage and are very satisfied with their service. They communicated effectively and in a timely fashion. They gave us the best interest rate of all lenders that we shopped with and ensured that the loan was funded on time. They are very organized and keep us informed of the loan progress. I highly recommend them. read more

I really recommend Kenneth and his team for home mortgage loan, especially it is your first time to apply the loan. His experience and expertise are very strong. Also his team respond time is what I expect, they can response your any question and issue in one day. It is really amazing to me. read more

Kenneth did a phenomenal job and answered every question I had. As a first time homebuyer, this made the process a lot less overwhelming and I would recommend Kenneth to any of my family and friends! read more