Nicole Santizo at Rate (NMLS #582907)

Mikhail 

on Zillow

2 days 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

2 weeks 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

2 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

2 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

2 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

3 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

5 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

7 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

10 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.