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    Melissa Howell - Guaranteed Rate Affinity

    5.0 (4 reviews)
    Closed 9:00 am - 5:00 pm

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    Ask the Community - Melissa Howell - Guaranteed Rate Affinity

    Transparent Mortgage - Beau H. - Owner - Mortgage Professional Since 2003 | Mortgage Lender San Diego

    Transparent Mortgage

    (169 reviews)

    Miramar

    I didn't end up originating my mortgage through him, but I just had to come on here and say I…read moreHIGHLY recommend Drew Clemans for your mortgage origination needs. Throughout my entire home buying process Drew was generous with his time and expertise, literally every step of the way. His bio mentions that his approach is rooted in education, and that really came through in my experience. He took the time to make sure I understood what was happening and why, which made the whole process feel a lot less overwhelming. His advice was thoughtful and tailored to my situation, never generic or salesy. He knew I already had a lender but he was still willing to give him time and advice with no strings attached. He also connected me with a homeowners insurance agent who ended up getting me a much better policy than what I was originally planning to sign up for. That referral alone made a huge difference. Drew is the kind of person you want in your corner when you're navigating the home buying process. Knowledgeable, kind, and genuinely invested in helping people. I truly can't recommend him highly enough.

    I worked with Drew as a first-time home buyer, and he honestly made the whole process so much…read moreeasier. I ask a ton of questions and tend to overthink, but he was patient the entire way through. He was quick to respond (even over text), always kept me updated, and made sure I actually understood what was happening at each step. Most importantly, he gets things done and is always on top of everything. If you're looking for a lender you can trust, especially if it's your first time buying, I definitely recommend Drew and the Transparent Mortgage team. They were great to work with.

    Dave Pennington -CrossCountry Mortgage

    Dave Pennington -CrossCountry Mortgage

    (381 reviews)

    Dave Pennington is an amazing mortgage officer. Our realtor contacted him on short notice to help…read moreus close on a house 13 days after our initial contact, and he nailed it. The backstory is that we originally were working with a different mortgage officer for a different company, but she warned that we weren't going to be able to make the closing date. That freaked us out, and our realtor recommended we switch to Dave. I'm so glad she did, because Dave really stepped in and got things done, as soon as possible. It's like he had a fire lit under his butt and needed to move move move. We really appreciated that. He pushed us to get things turned around quickly, and he pushed everyone else involved in our transaction (especially the escrow company, which was having issues). On his own initiative he contacted the relevant parties (e.g., the escrow company, our financial advisor, our insurance agent) when things were unclear or when they needed to be pushed. And we were able to make our closing date with days to spare, with a solid mortgage at a very competitive interest rate. Dave took the time to explain the complexities and walk us through things, while also pushing things along and sending us reminders when we were forgetful. One thing I especially appreciated is that he acted as our advocate and gave us advice, rather than being tight-lipped and trying to cover his own butt. In other words, he acted as if he wanted us to get a loan and get the house, and his job was to help us make that happen, rather than trying to protect the bank from all possible risks and just make money for the bank. I recommend Dave most highly.

    Seriously the best! Was able to get me a loan quickly and a great rate. He definitely stays on top…read moreof it and makes the process very easy. I have recommended him several times and everyone has had a great experience!

    RWM Home Loans

    RWM Home Loans

    (245 reviews)

    Torrey Hills

    My wife and I are first-time home buyers, so there was so much around this adventure that we didn't…read moreunderstand going in. The lending part of the process was especially intimidating and anxiety-provoking. Based on a family recommendation, we reached out to one person initially, but the communication was transactional, terse, and spotty. It only made us more uncomfortable and disoriented. That's when we reached out to our real estate agent for her recommendation. We said we didn't know what was typical, but that we were hoping for a more hands-on approach. She recommended Max Snyder with the 100 Doors team at RWM. Max is absolutely phenomenal. He's personable and patient, with excellent attention to detail and follow through. He's a strong communicator and responsive, too. Whenever we were confused or curious, he was happy to answer our questions. Throughout the process, he kept in mind our "financial personality" and how we wanted to approach our expenses conservatively. He helped us set our overall budget based on our desired monthly payment. Then, as we house hunted, he created reports on the homes we were most interested in so we could get a clearer picture of their feasibility. That was an awesome service! It empowered us to make offers and understand our limits. He also helped us explore our options to save money, such as presenting ways to qualify for an interest rate cut and the ability to lock our interest rate (as well as good timing for the lock). Come time to shop for home insurance, we knew the monthly cost to shoot for to keep our monthly payment where we wanted it. Around our closing disclosures, he let us know what to expect, so there weren't scary, deal-breaking surprises numbers-wise, and he explained changes we spotted. At every turn, I felt like I knew what was going on and like I wasn't alone. His team kept us on track through all the major milestones and got us to our closing date on time. There was even a moment when the listing agent mistakenly requested a later closing date. Extending our interest rate lock would've incurred a daily fee, but that was our best financial option. To help us through the change, Max offered to absorb the fee. Max made the lending process warm and approachable. He instilled confidence, both in him and in our own decision-making abilities. I can't thank him and his team enough for all their hard work. We couldn't have asked for a better loan officer. It's hard to put into words how much this positive experience meant to us at such a stressful, exciting, and significant point in our lives.

    We have been working with Angela at RWM for a good amount of time. We were finally in the right…read moreposition to buy and the process was smooth, extra informative, with all our questions covered. Communication was great and timelines were kept all the way up to close. Will be a repeat client when the time comes.

    Melissa Howell - Guaranteed Rate Affinity - mortgagelenders - Updated May 2026

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