Nicole Santizo at Rate (NMLS #582907)

Sudeeptha Jothipraka 

on Zillow

a week 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

a week 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

a month 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

2 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! 💬 

meliseb2003 

on Zillow

5 months ago

My husband and I could not be more satisfied with the efficiency and care that Nicole Santizo (and team) handled our recent home transaction. As first time homebuyers, we had an enormous amount of questions and just overall uncertainty about the entire process. But, each step of the process was explained in great detail and without any condescending attitudes. Even though we purchased during the busy holiday season, there was never a time we felt disregarded. From initial approval of our VA loan, to underwriting and closing,... read more

Stu Chambers 

on Zillow

7 months ago

Nicole and team did a great job securing a loan for me and getting it funded to support an aggressive close of escrow, which helped secure the house I was bidding on. She’s a real professional and enjoyable to work with! Knows her stuff and was great talking through my options to get the rate that worked for me… I’d highly recommend her to any friend. 

manoj j 

on Zillow

7 months ago

I recently had the pleasure of working with Nicole for my home loan, and I can't recommend her highly enough! From start to finish, she was an absolute joy to work with. Nicole was incredibly knowledgeable and patiently guided me through every step of the process, answering all my questions (and I had a lot!) with clarity and expertise. She was always available and responsive, making me feel like a priority. What truly set Nicole apart was her dedication to going the extra mile. Nicole's team was equally impressive, proactiv... read more

m shakira 

on Zillow

9 months ago

I want to give Nichole, an exceptional review for her amazing work in refinancing our housing loan. Nichole was very proactive and reached out to us when the rates became lower. This showed us that she valued our business and was committed to getting us the best deal possible. After that, Nichole matched other competitive offers and even went ahead and reduced the rate once our appraisal review came back positively. The whole process was seamless, and Nichole was communicative and helpful every step of the way. As long-time ... read more

dlgtraveler 

on Zillow

9 months ago

I recently completed my third transaction with Nicole and her team and continue to be impressed by their professionalism, speed of execution and overall customer care. My latest purchase was ready to close within 11 days!! I will continue to work with Nicole at Rate and can strongly recommend others do the same.