Nicole Santizo at Rate (NMLS #582907)

Nikhil Dewan 

on Zillow

a month ago

Nicole and her team were absolutely phenomenal! From day one, they were approachable, patient, and easy to talk to—making what’s usually a stressful home buying process feel seamless. Their communication was top-notch: every question was answered clearly, and they kept me informed every step of the way. They walked me through all the loan options in a way that made everything easy to understand, and their attention to detail and efficiency meant we were able to close incredibly quickly. I felt completely confident and suppor... read more

bijuraman 

on Zillow

a month ago

Nicole is a committed, reliable and thorough professional, who works hard for her clients and ensures they get the best deal to cement a long-term personal relationship. She came in during stressful time, helped to save & secure a wonderful outcome. She & her team are fast, responsive and supportive during the whole process. It's rare to find such committed & trust-worthy individuals. I have two today - my agent & Nicole. Wholeheartedly recommend for any mortgage lending and financing needs. Definitely looking forward to wor... read more

Mikhail 

on Zillow

a month ago

I was referred to Nicole by my realtor and I'm so happy about it. Nicole was able to secure a loan rate for me that was below everything I could find myself. She also guided me through all steps of the loan process and got us to a close in record time. Would definitely recommend! Update one year later. Nicole's team contacted me and said the rates went down a bit so we can save some money by refinancing. Nicole was able to find an option for us where closing costs were completely covered by lender's credits. We had a hiccup ... read more

Girish Viswanathan 

on Zillow

a month ago

I had a fantastic experience working with Nicole. Nicole and her team were always available throughout the closing process (and also after) in answering my questions, guiding me through every stage of the closing and also accommodating a very short and tight closing window. Her team was quite creative in finding avenues that lowered my interest rate by a few basis points and the rates she offered was quite competitive to the larger banks. I'd recommend Nicole and her team for anyone's lending needs and would definitely like ... read more

Jasmine Ou 

on Zillow

3 months ago

Nicole was able to help us close in 2 weeks which played a part in making a competitive offer that won over 6 others. She was even able to work around my badly timed business trip, allowing us to sign and ship the papers overnight from different cities. With such a tight schedule, she was incredibly responsive and efficient throughout the process. We're so glad that Nicole was able to make buying our first home such a smooth experience and would highly recommend working with her! 

Sudeeptha Jothipraka 

on Zillow

3 months ago

We can't recommend Nicole and her team highly enough! After our previous lender bailed on us at the last minute, we were in a complete panic — but Nicole stepped in and completely turned things around. Not only did she offer us the best rate, but she and her team were incredibly proactive, responsive, and reassuring throughout the entire process. They stayed on top of every detail to ensure a smooth and timely underwriting, and kept us updated at every step — which meant the world to us given how nervous we were. Thanks to N... read more

Vinay 

on Zillow

3 months ago

I’ve financed or refinanced nine times over the years, and working with Nicole Santizo and her team at Guaranteed Rate has been by far the best experience I’ve had. This is my second time working with Nicole, and there’s no doubt they are a cut above the rest—hands down the best in the business. From start to finish, Nicole and her team are incredibly organized. They keep you in the loop at every stage, providing clear communication and visibility into what's needed for the application, as well as the current status of every... read more

Abhishek Panwar 

on Zillow

4 months ago

We had a wonderful experience working with Nicole and her team at Guaranteed Rate. She truly came through for us during a very stressful time. When our builder’s in-house mortgage agent unexpectedly denied our loan just days before closing, we were left scrambling. Nicole stepped in like a savior—swift, professional, and incredibly efficient. Not only did she help us secure approval in a very short time, but she also managed to get us a better interest rate than what we were initially offered. Her responsiveness, clarity, an... read more

J. Z. 

on Zillow

6 months ago

Huge thanks to Nicole, Jennifer, Andre, Steve & the amazing team 🙌 From mortgage to HELOC, you handled it all — professionally, efficiently, and with full transparency. 🏡💼 We’ve got the keys to our new home 🗝️ and couldn’t have done it without your late nights, dedication, and honest guidance. Truly grateful to be connected with such a consistent and faithful team! Highly recommend — if you want to win in this market, THIS is the team to trust 💪 We’ll definitely be sending coworkers your way. Let’s stay in touch! 💬