I applied for a personal loan and they switched it to commercial without disclosing it. In fact…read more they disclosed nothing and now claim their loan office (who is all over their paperwork) was not their loan officer. Across the board deceitful and dishonest.

I have worked with Jason twice over the last 5 years - both times I have been extremely impressed…read more In 2014, I bought my first home, and the financing was very complex, as I was only recently out of college and had very little experience with these things. Jason was incredibly patient and helpful - I felt like I could fully trust him. He would follow up with me on weekends and on weeknights since my schedule was incredibly crazy during the regular workday. I cannot even tell you how much I appreciated that. When it was time for my fiance and me to buy our home this last February, we went back to Jason. Again, the process was pleasant, seamless and as hassle-free as it could be. Tara at MSA helped us find and compile all the proper documentation. Jason helped us get an incredibly low rate this time around and I know that if we ever buy again, we'll go back to MSA. Thanks, Jason + team!

In my opinion, dealing with Chris Niland cost us the house of our dreams. Failed to meet deadlines…read moreand commitments - did not return calls - with no follow thru from Guaranteed Rate - they made a stressful situation so much worse. And yes I am well aware of what is going on in the market and how many people are refinancing. While I appreciate all of the above - I need someone in my corner who keeps commitments or if they can't, gets ahead of it and communicates - someone who understands a business interaction from my perspective (as the customer) - its how I treat my clients. I'm also a big boy - and understand that we might have lost anyway - but the broker we used is on the same team as the sellers broker (though was my buyers agent) and she told me we were fine on price - it was the conditions (e.g. financing). FYI - My FICO and major credit scores are all in the 800s. Update March 26, 2020 I called Guaranteed Rate customer support at their request in response to my review. Was told my case was reviewed by some mysterious higher ups - and that they had discontinued offering pre-underwriting. I asked as of what date. They didn't know. So I asked why I could be told that on 1/29 and Chris Niland not only didn't notify me - he ignored me until I chased him down. Customer Support promised me an answer end of day today. Silence. In my opinion, this is exactly the kind of sleaze that led to the 2008 housing crisis. Looks like I am going to have to file a complaint with the Massachusetts Division of Banks who issued these clowns their license.

I give three stars, and not fewer, because of Rick Waldron and his fantastic work. Rick was…read morereliable, creative, very personable, and worked so very hard to help my husband and i obtain our first mortgage, on shaky ground, with moderate income and not great credit. Rick went above and beyond for us. Unfortunately, the underwriting policies and other staff working with him made clear to us that our possible loan was pennies to them, that we weren't worth their time or effort. I realize now that a big lender really isn't the right place for people in our situation. They'll eat you up and spit you out. At one point, they actually told me that I had to provide confidential client information (confidential per HIPPA laws) in order to back up my mileage log, that they also requested. Once I realized they were actually asking me to risk my livelihood to obtain, the loan I wouldn't get if I ended up losing my job... I decided to cut bait. We went with a small credit union and got a fantastic loan with a significantly more manageable payment and rate than we were offered with Guaranteed Rate. They weren't working with great circumstances- this is our first home, we have moderate income, a ton of student debt, and marginal credit history. But the way the staff handled us, we felt like second class citizens. That is, with the exception of Rick.

Was a 5, until they sold my loan. Mortgage Network was wonderful and made everything smooth and…read moreeasy. The closing was a breeze. But now this. They sold it to a 1 star, shady loan servicer with terrifyingly horrible reviews, no accreditation at all, not even the Better Business Bureau. I had no idea this was even possible, and now I am stuck with a loan through a company that will likely harass me, mess up my escrow and mess up my payments. I would go to a bank directly next time. This has really disturbed me.

Deborah Lynn Bodnar was AWESOME. I frequently have heard horror stories about the home buying…read moreprocess, BUT Deb made everything so easy for us. Zero stress. We went into this process as first time home buyers and didn't really know what to expect. Deb walked us through everything and answered any and all questions we had extremely fast - not once did we feel nervous or confused. She asked for the necessary paperwork and did the rest. She honestly made us feel like VIPs. Everything was done quickly and accurately which ultimately led us to the home of our dreams. I cannot say enough good things about Deb, and I will be recommending her to anyone I know that is looking to buy a house.

I've begun to think about my future and the prospect of buying a home. As I will be a first-time…read morehome buyer, I had a ton of questions about the process and was eager to sit down with someone knowledgable in the field of purchasing a home. I was given Jeff Rolke's name through a friend who had used him in the past with great success. Prior to our meeting, I didn't realize that a mortgage broker is different than a bank that offers loans independently. Jeff and Goldcoast Mortgage work with six different banks in order to acquire the best rate. I found Jeff to be very comfortable to speak with, as he is friendly and down to earth. At the same time, he was very professional and had a lot to explain about the process (the percentage that needs to be put down initially, etc.) He explained how mortgages work and elaborated on the different types of mortgages (and why some people run into trouble with their mortgages). He also explained how he works in collaboration with a skilled real estate attorney to make sure my that my best interest is made a priority throughout the process. After our meeting, I called Goldcoast with a few more questions about the process and I was surprised that they knew me by name, and as they are a small group, were already familiar with my particular situation. I know my dream home is one day going to be a reality and look forward to Goldcoast Mortgage being a part of that process!

John Donlan walked me through the mortgage process and continually updated me on the best rates…read moreavailable and the proper amount to put down on my property. I was so impressed with the work of John and his team that I refinanced with them several years later when there was a sizable drop in interest rates. I can't recommend Gold Coast Mortgage highly enough. This is the very best mortgage company on the North Shore. Thank you John and team.

This is hands down the best mortgage place in boston. I worked with David Silverman last year on…read morethe purchase of my first home. He made the impossible happen, my situation was very tricky, and he found loop holes, pulled strings, he did whatever it took to make sure i ended up with a good deal. Not only is David Silverman a hard worker, he is extremely knowledgable he knows the ins and outs of the industry. And Dave's supporting cast at Fairway is amazing. try them out you will not be let down i promise. Ask for David Silverman, he's the best trust me!!!

Awesome experience all around. Everyone on the team worked efficiently and quickly to make sure all…read moreterms were met on time. Jim is the best and surely would not have boughten my first home if it was not for him. Very knowledgable and thorough. Highly recommend and will definitely use them again in the future if I ever need to. Thank you!!

DO NOT use them!!!! If you hear the name Mozart, RUN!!!!I don't know where to begin with my…read morehorrible experience with this company and Mozart. In fact it's still going on as we are over a month and half past closing date and they still can't get it done. I've had to pay 2 extra mortgage payments and bills on a house that they are holding up the closing on. They are atleast admitting it's all their fault. When they do actually decide to contact us they always say it will be another 2 days, yea over 50 days later. Mozart is horrible at his job and this company is protecting him. DO NOT use them!!!! So much more to say. Feel free to contact me if you want to hear how bad they are

Absolutely would not use if buying a home. I'll summarize: Mortgage officer had me approved, then…read morestated I wasn't...after I put money down. Reworked with a co-signor due to my student loans. Additional money down changed several times, always increasing with minimal explanation as to why. Took 7 weeks to close and they had me between a rock and a hard place, couldn't back out. This, was after being told $10k down which increased after everything to $20k down to cover their fees. Stay away!

They're sociopaths. We were introduced to Guaranteed Rate through our real estate agent at the time…read morebecause they share an office space. We were interested in getting pre-qualified for an offer we were about to put in on a house. Red flag #1 was our call with them to get pre-qualified. We told them the amount we were prepared to offer, and we were peppered with "Are you sure?? We could qualify you for WAY more!!" Folks, this is how foreclosures happen. When you decide on a price range that fits your financial situation you absolutely should not be talked into a higher range by a complete stranger, especially not one with a financial interest in driving up your mortgage amount. And your mortgage lender absolutely should not be trying to goad you into a higher offer amount. They tell you this in any first time homebuyers class. We did not put in any more home offers with that realtor, and we had no reason to contact Guaranteed Rate. That didn't stop the DAILY barrage of texts, emails, and mail from Shant and Guaranteed Rate. Nothing has stopped them from constantly pestering us with the exact same content like we're somehow going to finally come around on the 10,000th "Hey just checking in..." Don't take my word for it. Google it. Take a homebuyer's class. Ask anyone in the real estate business without an immediate financial interest in getting you to buy a mortgage. They'll all tell you that this kind of predatory behavior is the textbook example of what to avoid when considering a mortgage lender.

Avoid! Avoid! Avoid!…read more This was mortgage refinance nightmare. If I could give zero stars I would. It started with typos on my appraisal. Followed by by failure to returns calls/emails in a timely manner. No biggee, I'll just deal with your boss rather than you. I closed in November (or so I thought). Got called back in Dec telling me that they made an error and I had to go back to the lawyer, sign again and bring more $$$. At that point I called the corporate office in Chicago and lodged an official complaint. I thought we had straightened things out, although I had to go back and resign and bring the $$. I was told there would be no further issues. Lets face it, Guaranteed Rate had me over a barrel-they had closed out my prior mortgage and owned me. Fast forward 3 weeks. My mortgage broker and his boss are not returning any of my emails. The settlement check still hadn't been cashed despite confirming delivery. When I called the branch manager, I was told it was up to me to find out what happened and was given a number to another department in the Chicago office. WHAT??? So now it's on me to do YOUR job. Numerous phone calls and emails later, they finally located my second settlement check and cashed it. It still took days to get the loan transferred to the correct entity. I'll believe it's finally through when I see the welcome package. The best (of the worst) part....I made enough phone calls and eventually was able to speak to the VP of Client Relations. He apologized for the series of errors and told me that he would now personally follow my mortgage until it was finally transferred. I told him I wanted and expected close attention and he agreed. Yesterday, I got an email from him telling me things were almost finalized. He then proceeded to-not once, but twice-tell me to enjoy my NEW home. Here's the kicker, this was a mortgage REFINANCE! The subject line of the email was "my mortgage refinance". Nice work, Mr. VP. Glad to know sloppiness starts at the top and trickles down.

Chris and his team hands down, one of the best well organized and professional mortgage brokers I…read morehave ever dealt with, I have purchased many homes and never had such great experiences like this. When searching for a mortgage broker, here are the two things I looked for, competitive rates and customer service, broker who doesn't lie to get your business and after they don't follow through with their promises. Miller Mortgage gave me both things, here's the reasons why I am such a satisfied customer. Beside getting the best rates, I also got top notch customer service. Throughout the whole process and on many occasions, I would text Chris at 9pm and 5am off hours to ask him some questions and I didn't expect a replied back, but no Chris did replied back and kept on assuring me that everything will be fine. I also asked to see if it's possible to close two weeks earlier than the original close date and with lots of going back and forth, we were able to close on the date we wanted. I highly recommend Miller mortgage to anyone looking for a loan, whether you are a 1st time buyer or not, you will get exceptional services from his team. Thanks again Soakie and Chris for all your hard work, we are so happy that were able to move into our new home before the holidays!!!

We've worked with Nick at Miller Mortgage for both buying and refinancing our home, and the…read moreexperience has been excellent. Nick was professional, responsive, and secured us a great interest rate. Everything was done on time, just as promised. Highly recommend!