It's been a long road and it seems we might be nearing an end. I reached out to Bill about a year ago to start preparations for buying my first property. He's been available through out the whole year, through all the ups and downs of the buying process. He has a very professional team as well. Bill has also been extremely forthcoming with advice and recommendations; I'm building a solid team thanks to him! Here's to closing this and buying my second property very very soon! read more

Bill was super helpful in our first home buying process. He is patient and answered every question we had and was extremely helpful by involving himself in conversations with the realtors to make sure everything went smoothly. Thank you for all your help, Bill! read more

Bill offered us great rates, worked hard, was highly responsive and super-helpful with all aspects of the transaction. Highly recommend!

As a first-time homebuyer, I was completely overwhelmed by the process -- until I contacted Bill. While everyone else just wanted to rush me into a loan application, Bill is the only one who explained the entire process, all the different options and was very pro-active about trying to figure out what was in my best interests. He also drew on his network of contacts to help me find contractors and architects, going way above and beyond to give me advice and help. Absolutely recommend him! read more

Bill was very professional and was extremely on top of the home equity line loan process for my condo in Newport Beach. I wanted recommend Bill for your mortgage needs and he was also helpful with a good referral for home equity credit line as well following my purchase. read more

Bill has helped my family and I close many loans. If Bill tells you upfront that he can approve your loan he will get it done. Chad read more

Bill's advice helped me take a full percent off of the rate my lender was offering. The homebuying process is tricky and many Lenders, Brokers and Agents try to take advantage of the buyer along the way. Finding an affordable loan is one of the most consequential experiences a family or individual will go through. Bill is aware of the impact of his work - he takes satisfaction in helping others, and is remarkably effective at it. Los Angeles is lucky to have him, and you'll be lucky to work with him. read more

Bill knows the mortgage business! He is a pro and a breeze to work with. He is available, knowledgeable, and patient. His team is efficient and they kept us updated throughout the escrow process with great communication and follow up! We will continue to refer him for our clients! read more

Bill and the folks at Guaranteed are simply the BEST. They made both my re-fi experiences exceptionally worry-free and easy. I cannot thank Bill and all of them enough. Excellent customer service and results! read more

This is the friendliest guy I have worked with in awhile. Bill is more than willing to help you with any of your needs and will give you referrals as well for other home related services. Thank you Bill read more

I'm an entrepreneur, and have been paying myself a low salary intentionally to manage our burn rate. When my wife and I wanted to buy our first home, this really bit us hard! Banks just didn't want to work with us, but Bill went above and beyond to help us secure a mortgage at a reasonable rate. He and his team are extremely knowledgeable, and were very hands-on during the process--explaining all of the ins-and-outs of the lending market, and helping us put together a compelling mortgage application. Truly first-rate service from a trustworthy team! read more

BILL RAYMAN! Bill is a wonderful mortgage broker. He has been such an easy person to communicate with throughout the entire process. He is always available and willing to answer any questions or address any of my concerns. He takes the time to build a relationship with you and truly cares for you. He has made what is normally a difficult process for homebuyers a very smooth and simplified process. I'm so thankful for Bill. read more

I am a real estate agent and I have worked with Bill for business and for my personal transactions. I used him to refinance a property that I already own and to get a loan for an investment property. What more can I say, Bill makes things happen. In the refi process he was able to get me rates that other banks and mortgage brokers couldn't get. He is extremely diligent in making sure that he has searched all of the best possible options in order to get the loan that best suits your needs. If you are having difficulties getting a loan that you are happy with give Bill a try, I am sure he will have some options that other mortgage brokers and banks don't have. read more

Bill helped me get in contact with a great HELOC lender, Rodney Ponce at Bank of the West, when few lenders offered to help with a HELOC. Bill took the time to highly recommend another lender for my needs and, just as he described, I had a great experience with his referral. Thank you Bill! read more

Bill was extremely helpful right from the start. He is patient and answers questions with detail and grace. He is also a person of integrity - a scarce quality in this business - and I would highly recommend that you think of Bill for your next purchase. Additionally, Bill has a great sense of humor and this kind of positive energy is exactly what I needed through this tough process. Bill is an excellent broker and I can definitely see why everyone else here is so happy with his services! read more

I found Bill on Yelp and gave him a call based on other reviews. They were not wrong, Bill was really helpful in giving honest and good advice in helping you understand what is possible and finding the best deal for your unique circumstances, he has become a trusted advisor and I like speaking to him. I have already recommended to a couple of my friends who are looking for either new loans or refinancing. read more

I work for a wholesale mortgage lending company that specializes on loans that can't get done for some reason. Bill has extensive knowledge in the mortgage industry as to what is best for his clients. He is able to figure out each borrower's need! He listens to his clients (this is very important), then he will use his experience and knowledge to help his customers. I have always been amazed by him, for a guy like him who has tons of clients is still able to handle each client 24/7, I sometimes wonder if he ever go to sleep? He would call me around 11 pm at night to go over loans. Long story short, if you choose Bill you are in good hand! read more

Me and my husband just spoke to Bill and let me say, he is so informative and answered all of our questions. Me and my husband will like to be first time home buyers and really didnt know what to ask or what to expect and he answered everything without us even asking. He knows his stuff and even though we might not be looking into buying a house this year ,I know where we stand and what we need to do to make it happen thanks to Bill. I look forward to talking to him once we get all our ducks in a row. If you are looking for information on loans and buying a house he is the guy to go to. read more

I am a realtor and for the past few years, I have sent my buyers to Bill to get pre-approved before we even start doing any serious looking. This is a time consuming process but it says to a potential seller, that they are serious. Bill always invests the time and effort to get this done in a timely manner. I've always seen Bill put the buyer's needs above everything else. He cares about his clients. He once told one of my buyers that she would be better off to put off buying until she raised a higher deposit. For some agents, this would be horrible news. But to me, it meant we didn't spend a lot of time looking for a home, only to find out she wouldn't have qualified. He finds ways to get them the lowest mortgage payment - even if it means two different loans. I know it sounds crazy but depending upon the loan amount, it is sometimes better. I can always get to Bill since he takes calls after regular work hours and on weekends. He once returned my call on a Sunday while having brunch. I carry his business card on me at all times. If you are looking for a mortgage broker that puts your needs first, then call Bill. read more

Believe the hype, believe the ratings - Bill Rayman is the real deal. When I started the homebuying process I called Bill based on his great reviews on Yelp. I had a lot of questions because I knew my particular situation was unique in regards to qualifying for a loan since I was a small business owner coming out of the two-year pandemic/lockdowns. Bill took the time to answer all my questions, discuss all my options, and really talk me through the process. His first goal was always "Get you your house" and he pursued that goal even when it meant connecting me with a different loan officer at a completely different company who would be able to do the kind of unique loan I needed. And even after moving on to that loan officer Bill still took every call I lobbed his way, gave me advice throughout the process, and was always someone I could bounce questions and concerns off of even though he knew he wouldn't be making a cent off of my loan - that is true character. My wife and I closed on our house in West LA earlier this week and it all started with Bill Rayman. read more

I called to learn about 1st time buying a home. I learned more than I ever imagined. Bill walked me thru what to do to prepare for when I'm ready to buy - and unquestionably I'll use him. read more

I've been meaning to write this review for a while now. Bill has helped us on multiple occasions and let me tell you, this man is a mortgage wizard. The last property that we purchased with his assistance was basically a 1031 exchange Hail Mary. We were down to the wire, a few weeks out from our exchange deadline and he made sure that we closed on the house. Considering how inept and non-communicative the seller's agent and escrow officer were, this was nothing short of a miracle. Bill drove the show on our behalf, kept the ball moving when people went MIA, and always stayed on top of the process. He is a treasure trove of information and we consider him an integral partner in all of our real estate deals. read more

Bill is a magic man... I spent a year trying to refinance our property. A year of variations of "no" over a multitude of avenues. It was difficult to fathom as we had stellar credit and solid financials. Bill was amazing, professional and diligent in his efforts to get the best rate and loan we wanted. He knows his stuff - The best! read more

We just closed escrow on a home that we purchased through impotence Rate and Bill Guaranteed. I would highly recommended him for any of your loan needs. Bill and his team truly went above and beyond to get our loan through and even helped with getting our offer to be excepted. Bill made phone calls on my behalf to show the strength and Guaranteed of our loan. We are a smaller client for Bill but were never made to feel that way. He responded to any question I had quickly and put as much dependability on our loan as his larger clients. The real estate market in Los Angeles has been difficult but the entire time I felt like I had a friend looking out for me. We are thankful to have found Bill and his team. read more

Bill Rayman is incredible. I've worked with a few mortgage brokers, and none have been able to operate on his level in any way. Bill is patient, incredibly knowledgeable, has an unprecedented work ethic, is creative with different ideas of financing options and even places to look. He will blow away your expectations on what a mortgage broker can deliver, and will go above and beyond in every way that he can. He will work with you. He will discuss your options, brainstorming and developing ideas you might have had into solid, unbreakable game plans. And he can get these plans done. Furthermore, his rates are the lowest I've seen! And I've done my homework. Beyond his and his team's ability to function at the highest level, he does it with honesty, transparency, and tremendous class (that deserves paragraphs on its own). In navigating this financial terrain that's new to me, he served as a genuine mentor. He's a financial king that will treat you like royalty; he's both a tremendous professional and incredible person. He has remarkable character - my family that has been involved in this latest mortgage is extremely impressed. I truly doubt you can find someone better at his job. When it comes to mortgages and refinancing, I cannot imagine doing business with someone else. If you are buying a home or refinancing, I recommend you reach out to him. It is such a pleasure doing business with Bill. read more

Bright and Knowledgeable! He wasn't able to get me the mortgage I wanted BUT, he sent me to the only place on earth that actually could write the loan I needed. Bill is resourcefull and unselfish. No hesitation recommending him to you. read more

Bill spent over 30 minutes talking to me on our initial call. He ended up referring me to another lender and they ended up securing our loan. That kind of help is rare these days. Thanks, Bill! read more

I called for information on a loan. Bill called me within 10 minutes and not only answered all my questions but emailed me options and suggestions for my particular case right away! As real estate agent , I truly appreciate his prompt , informative and friendly service because in turn I am able to provide for my clients as well. Thank you Bill! read more

From the moment I spoke with Bill, I knew he was top notch. I've come across many lenders in my time, but Bill's expertise and caring nature made me feel comfortable from the start. There is no wonder why he is so popular- I'd recommend him to anyone needing a loan because he is able to clearly communicate and is very responsive. I was able to get in touch with him immediately! I'll definitely be calling him next time I have a lending need. Thanks for your help Bill! read more

Bill Rayman and his team are simply the best! They got me a very competitive rate and were very responsive every step of the way. They made everything super easy and streamline. I would highly recommend them to anyone who is looking to buy or refinance a property. In this day and age, there are many unscrupulous mortgage brokers so its a breath of fresh air to work with someone so honest and trustworthy. Thank you for everything Bill! read more

2 years ago I contacted Bill about buying my first home. He pulled my credit report and told me I had a 520 credit score, not good for buying a home. He gave me awesome advise on how to raise my score. I took his advise and my credit score jumped to 680 within 8 months, i couldn't believe it... Long story short, he got me into my home. I couldn't be more happy right now, my house jumped up $120,000 in value and I'm now able to get rid of my PMI. Bill is always available to talk to, just leave him a message and he always calls back. This guy makes shit happen!! read more

From Day 1, Bill was there for us!! ..it took us almost 2 years to finally decide on a home, and meanwhile, Bill was always there to answer our questions (no matter how silly they were) even with a minor hiccup we had towards the end of the process, Bill was able to help us get past it and like others mentioned, if for whatever reason, he cant do it, he knows who can and puts you in good hands! Once again, Thank you Bill and also a Big Thank you to your team! read more

I just started working with Bill, and I'm confident there's no need to look further given his thorough knowledge of the market. He explained the advantages, issues, and expectations for the construction loan we're seeking and clearly knows best way to navigate approval. read more

Yes, buying a home (mostly getting the mortgage loan) is a very intense, crazy, overwhelming process. But Bill knows that. He has many years of experience in the mortgage loan industry, and he is also a very kind and patient man who has a very solid team of professionals working with him. Bill and his team helped me and my husband buy our first home together and we could not be more grateful. Bill spent many hours on the phone with us, advising us, calming us down; whatever we needed in that moment, and always with a great attitude. He really is excellently suited for this business and after a while we felt like we were talking to a family member. Both me and my husband are in the entertainment industry and I was between gigs so that was an added hurdle, but Bill and his team were undaunted by it at all and made it work. Yes, the process will be long, and yes, you might get anxious or worried at certain points when you don't know what's coming next or if there will be a new obstacle, but that's why you need to choose to work with a person you can trust. We trusted Bill and we are glad that we did because he and his team delivered. They got us a very competitive interest rate as well. Thanks to Bill and his team we have a home, and I don't know if we would if we had gone with someone else! We will be forever grateful. read more

Bill did an amazing job with our refi and well as our efforts to consolidate a home-equity line within the refi. He successfully managed to keep our low rate! Bill and his entire team answered all of our questions promptly and the loan closed without a hitch. I highly recommend Bill for any mortgage-related needs--he is extremely knowledgeable and listens and understands your individual needs. Super great experience!!!!! read more

Bill and his team did an exceptionally great job for me twice in one year - I'm now living in my dream home. If you're looking for a mortgage or re-fi you don't need to look anywhere else. I commend him and his very professional team without reservation. read more

Bill is great and super helpful! He gave me some great advices and is always there for questions. Would highly recommend him!

I write this review to wholeheartedly express our thanks to Bill Rayman and his entire team. On two separate occasions, Bill and company did everything they could to get us the refinancing we needed. After our first time, my wife and I would not have even considered anyone else but Bill and his staff. They made everything as easy as possible and handled every detail with the highest level of professionalism. Five stars doesn't do them justice. We are repeat clients, and I'm sure everyone else would feel the same way. Thanks, Bill. read more

Bill Raymond and his team were amazing. As first time buyers, my husband and I didn't know a thing about mortgages. Bill patiently spent hours with me on the phone helping me to understand our options and what type of loan would be best for us at this time in our lives. Through the different houses we put offers on, Bill constantly kept searching for the best possible deals. Just when he'd find one that seemed perfect, he'd call me again with one even better. Amazing. He was honest, always hoping for the best yet preparing for the worst. When the worst happened, not to anyone's fault, he and his team worked double time over the holiday weekend, not only turning the misfortune around, but getting us a lower interest rate in the process. Even my real estate agent had never seen a deal turned around and saved so quickly. Thank you Bill, Christine, and Susana for helping my husband and I finance our beautiful home. It was a pleasure working with all of you. read more

Bill was incredibly helpful from the start to finish. Ultimately securing a mortgage is an incredibly involved process - Bill and his team were clear with expectations, deadlines, next steps and suggestions. We were able to secure a 15 year mortgage much better rate than anyone else I talked to, including a family friend. Thanks Bill and team! read more