We loved working with Kelly! As first-time homebuyers, we had a lot of questions throughout the process. Kelly was incredibly patient, knowledgeable, and supportive every step of the way. She was always quick to respond, kept us informed, and made what could have been a stressful process feel smooth and manageable. Her professionalism, efficiency, and genuine kindness made all the difference! I will also add she helped me lock-in the best rate at the time, and all within 14 days. I can't recommend her enough! Thank you for making our first home-buying experience such a positive one, Kelly! read more

I honestly can't recommend Kelly enough. I'm not easy to impress. I'm super detail-oriented, have high expectations, and don't have much patience for poor communication or mistakes. I rarely write reviews, but Kelly absolutely earned this one. I'm self-employed, and every lender I've worked with in the past made financing feel like a huge ordeal. Kelly made it look easy. She knew exactly what she needed, never made my self-employment an issue, and got me from contract to closing in exactly 15 days. I honestly didn't think that was possible. What really stood out was how responsive she was. Whether it was evenings, weekends, or dealing with our two-hour time difference, she was always there when I had a question. I never felt like I was chasing my lender, and that alone made the whole process so much less stressful. My best friend sent me to Kelly after she helped both her and her son buy homes this year. They couldn't stop talking about how great she was, and now I completely get it. I almost never give A+++'s, but Kelly earned one. If you want someone who knows exactly what they're doing and actually makes the mortgage process feel easy, she's your person. And yes...Kelly is officially my mortgage spirit animal. read more

Here's a polished version that keeps your warmth while making it flow naturally: I can't say enough great things about Kelly and her team! They made my first home-buying experience so easy to navigate from start to finish. Kelly is incredibly knowledgeable, professional, personable, and genuinely cares about her clients. She always took the time to explain everything thoroughly and never made me feel rushed, no matter how many questions I had. She was always available to guide me through every step of the process, which gave me so much confidence as a first-time homebuyer. Not only did she help me secure a great, fair interest rate, but she also made what could have been an overwhelming process feel simple and manageable. She truly went above and beyond in every way. By the end of the process, I felt like I had gained a new friend, and I couldn't be more grateful for everything she did. I highly recommend Kelly and her team to anyone looking for an honest, knowledgeable, and dedicated lender. You will be in excellent hands! read more

5 Stars We had a great experience working with Kelly. After speaking with several lenders and being told our situation would be difficult, she stepped in, moved quickly, and got the job done. Throughout the process, she was professional, responsive, and incredibly knowledgeable. She kept us informed every step of the way, answered our questions promptly, and worked hard to keep everything on track for closing. Her dedication and sense of urgency made all the difference. If you're looking for a lender who is efficient, professional, and willing to go the extra mile to make homeownership happen, I highly recommend her. Thank you for helping our family get into our new home! read more

Kelly is amazing. She was very informative and got my loan closed in three weeks. Kelly was able to explain my loan options and pros and cons of each loan. It is so hard to find hard working professionals who truly have the best intentions for their clients. Kelly has the unique balance of knowing her job and caring about the outcome for her customers. Thank you Kelly read more

Sold my home and bought a really nice condo. Kelly took control and was able to take care of the process. She's very helpful and made the process quick and easy. Kelly is top notch! Do yourself a favor and let her assist you and help you through a confusing time. Look no further than, Kelly is the real deal! 5 stars!!! read more

Kelly is the best! I have used her for the last 20 years. She is fast and efficient and so so so easy to work with. I wouldn't trust my loans with anyone else! read more

Kelly is a true professional. She went above and beyond to get me approved for the loan I needed for my home and now I live in a dream house with my wife and I. Additionally, Kelly was positively and actively communicating with me, which I appreciated because it showed how diligently she was working to make things happen on her end. Kelly has been in the business for a decades, and I think it's because she has excelled in what she does. I am very grateful to have had the pleasure of doing business with her. read more

Kelly and her team made the home buying process a breeze -- they navigated all the ups and downs and chaos that inevitably come with home buying with ease, and kept us updated and confident throughout. I truly cannot recommend her enough! Thanks for helping us get our dream home, Kelly! read more

Kelly Manderscheid went above and beyond, She helped me with my loan and helped me get my home. We are so happy and grateful for her support in making all of it possible. Her positive attitude and dedication turned what could have been a stressful process into a memorable and exciting experience. On behalf of my entire family, we are truly thankful for her, from the bottom of our hearts for her incredible kindness. We will be enthusiastically recommending Kelly Manderscheid to all our friends and family. read more

Kelly is one of the best in the business! We appreciate her kindness, attention to detail, and how fast she completes the process. What can be a stressful and complicated portion of your purchase, becomes seamlessly executed and understood. Thank you Kelly! We'll continue to use and recommend her! read more

Friendly Very knowledgeable always on top of it knew all documented requirements and felt well taking care off Thank you read more

Kelly and her team were very attentive and they answered questions before I even had them. They were very upfront on everything that was going to happen and when it would happen and there weren't any surprises. I appreciated them just looking out for us even without us, knowing that it could possibly be a concern. I would recommend them over and over again and look forward to doing deals with them in the future. read more

Kelly and her team were wonderful during the entire escrow process. I ended up's switching lenders while in contract and Kelly was such a blessing. She provided knowledge in her trade right from the start. Guaranteed rate was able to give us a better interest rate without buying down. The rate app was great being able to upload all tasks and documents directly to the app. I would recommend her to anyone looking to buy a home. She really takes the time to help you feel comfortable with your purchase and understanding the loan process. read more

Kelly Manderscheid is outstanding! She did an excellent job, and I'm incredibly thankful for her efforts. I'd gladly recommend her to anyone without hestitation. read more

Throughout the process of purchasing our home we had a lender that was not meeting our needs. We were referred to Kelly and it was, without a doubt, the best thing for us. Not only was she willing to work with us and make sure we got the best rates, she was available at any time of day to answer our questions and provide quality support throughout the entire process. Thanks to Kelly we saved a significant amount purchasing our home and had a flawless and quick loan process. If you are in the market for a mortgage lender that is tentative, quick to respond and efficient Kelly is the perfect match for you. read more

Kelly made the whole loan process easy and stressful free. She never missed a call even when we called her very early in the morning or late into the evening. She was on it 24/7. Highly recommended working with Kelly on your loans. read more

Kelly was nothing short of amazing. She was fast, communicative, warm, friendly, professional, detailed, and had great follow-up. Everything that I would expect from a lender. You don't feel like it's a client lender relationship. It feels like the truth partnership with someone you can trust. I will continue to use her for all of my referrals. read more

Kelly was exceptional. From pre-qual to close of escrow she was available and very responsive to any and all of our needs. She was able to secure the lowest rate from other lenders I was working with and was very transparent throughout the process. A++ read more

I am so grateful I was introduced to Kelly and her team. Kelly is extremely knowledgable, very detailed, no non sense straight to the point and someone you can trust. My income and history involved a lot of different scenarios that Kelly had to navigate through in order to get a loan approval, it felt like a roller coster of high and lows through the process but even with all that Kelly was able to get me approved and closed within the 21 day window. I would highly recommend her to anybody that I personally know making a home purchase, and I look forward to working with Kelly and her team again in the future! read more

Kelly is the best ever!!! Reached out to her mid June, opened Escrow beginning of July and we just recently closed 23 days after. With this being our first home purchase, we had no clue where to begin. Kelly educated us on the ENTIRE process from beginning to end and every interaction since has been swift and easy. She was so incredibly patient with us and made this experience stress-free. She worked day-in and day-out communicating with our Agent to work around numbers that would best fit our situation. When Kelly sets a goal with you, she does everything she can to make it happen. We just felt the most comfortable choosing Kelly as our lender and we HIGHLY recommend her to all our family and friends. There are truly not enough words to express our gratitude! Thank you Kelly and your team at Guaranteed Rate for all your hard work. Our home would not be possible without you! read more

Kelly and her team were miracle workers in helping me and my husband get our dream home. Before we met Kelly, we had a few hiccups in our home buying process and we needed a hail Mary to close on a house that had strict terms. Our realtor found Kelly when we only had two weeks left to get a new loan approved and Kelly was able to make it happen in 12 days! She was available to take our calls whenever we had any questions and did so with such a friendly nature. We can't thank her and her team enough for working so diligently to get all our paperwork ready with such urgency. When we finally closed escrow Kelly was one of the first people to call us to congratulate us. Working with Kelly was an absolute dream, and we were so lucky to have found her! read more

You have EVERY reason to work with Kelly! Kelly will work around the clock for you to get the loan you need and she does it all with a smile and a great personality. She is patient, helpful, professional, organized, and very good at what she does! I had a great experience getting a loan to buy my first home with Kelly at Rate.com. read more

Kelly is beyond amazing and very quick. I had an extremely tight window to close (10 days to be exact) and Kelly delivered AND somehow closed a day early. Kelly kept us in the loop the entire time and was professional. She truly has a wealth of knowledge in this space and I would highly, highly recommend her. read more

Terrible. Happy cheerful, answers calls on Sundays. But...if your loan might be difficult to fund, she will ghost you. After a great first call some time ago, I put things off, but I liked her on the phone so much I referred her to my sister in Arizona. Recently I contacted her to move forward on my loan she was going to get with her underwriting department to see if certain types of income I have would work. I never heard from her. I called her the other day just to see what she would say. she said she was on the phone with two other calls and she would call me back. Never called. If you're really juggling two phone calls why would you answer a third one? How hungry are you for the next easy loan? What I can't understand is why she just didn't say we're not a good fit for you based on our Underwriters we probably won't get you approved I would have thanked her and called someone else very strange, very unprofessional. read more

I had an amazing experience in a scary real estate world. I applied for a re-finance with 2 of my credit unions, and during under writing I was told they couldn't help be due to my FICO score. I didn't get the same answer form Kelly, she told me what I needed to do to raise my score. I followed her instructions to-the-T and just 3 weeks later we were moving full speed ahead with my cash out refinance. She got me the cash I wanted to pay off bills and invest in a 2nd property. My phone was blowing up with calls from lots, and lots of other finance companies. I told them all I was going with Kelly from Guaranteed Rate because of her customer service, follow up, and availability to take ALL of my calls and answer ALL of my questions. KELLY IS THE BEST! read more

As first time home buyers, Kelly helped us closely and in a very timely manner with updates, advise and such. She has made the process easier and less stressful which is important for first time buyers. We highly recommend her and her team for any home buyers in the future. read more

Kelly and her team did a great job helping me with my first home purchase. She took her time to explain everything to me and guide me through the process. She helped make the loan process as easy as possible. She is quick to respond and extremely knowledgeable. Thanks for helping me check a dream off my bucket list! If you want a fantastic home buying experience, work with Kelly! read more

The best lender we could as for! Kelly is the absolute best! My fiancé and I do not have enough great words to say about Kelly! She was the most helpful resource throughout our entire home buying process. As first time home buyers, Kelly was so willing to answer all of our questions, conduct regular check-ins, and provide constant updates for us. Kelly offered us endless amounts of patience, kindness, and reassurance throughout our process, and she made us feel so comfortable to come to her with any questions or concerns. are so appreciative of her! We would highly recommend her for all your home buying needs. Thank you so much, Kelly! read more

Words cannot begin to describe how grateful I am for all that Kelly did for us! She answered all of our questions at any time of day, even on weekends! As a first time homebuyer I was unsure on where to even begin, but Kelly walked us through every step of the way. She truly went above and beyond to make sure we can make home buying a reality. I am also an educator and I was able to get a hometown hero discount through her. If you are a first time homebuyer, or any buyer in general, you will truly be in great hands. read more

Kelly was such a pleasure to work with!! Her high energy and professionalism were exceptional. I called her more than I should have, but she was always willing to take my call and answer any concerns I had during the approval process. Getting approved for a loan can be tedious and confusing, but Kelly made this process much more manageable and straightforward. In addition, Kelly took the time to get to know me and my history outside of the loan process, which was pleasing during this process. Overall, Kelly is someone I would use again and recommend to anyone looking for a solid loan officer. Thank you, Kelly, for your help. We are all moved in =) read more

My wife and I just closed with Guaranteed Rate handling our VA loan process. We started our venture on August 12th and we closed on September 6th. And it was all because of the great team of experts at Guaranteed Rate lead by a wonderful person, Kelly Manderscheid. Kelly and her team worked like clock work through each step of the process. Taking calls and answering emails in a timely manner, these folks are great people to work with, professional and caring through out the entire ordeal. We couldn't of done it without their dedication and great work ethics. Thank you Jeff & Ruby read more

Kelly Manderscheid - Rate - Mortgage Lenders Near Me - Temecula, California

Kelly is amazing, we were referred to her by our realtor. She is honest and tells you how it is no B.S. She will answer all your questions and tell you how it is. She took the time to explain each process and step with us with our VA Home loan. She is always available when needed and always returns your calls and texts and emails and worked with us and our realtor. She is always on top of things. It has been great working with her. Our big thing is honesty and communication and she provided it, and we highly recommend her. read more

Kelly is by far the easiest "money person" I have ever dealt with. As a first time home buyer, I felt like I was in good hands at all times. She went above and beyond to ensure that all of my questions were answered and that all of our "ducks" were in a row to ensure a quick and easy home buying process. My family and I are eternally grateful to Kelly and her team. read more

Kelly and her team are the best. Competitive rates and was able to process our loan in an expedited timeline to ensure we closed on time. This is my second time working with her and she is head and shoulders above the rest. Extremely professional without forgetting the human aspects of buying a house. She rode the highs and lows of putting in offers under challenging timelines for over 6 months. She is quick to respond and always with a positive attitude. Buying a home a is a life changing event and as buyers sometimes we need a sense of comfort and Kelly really helped bring things into perspective from a financial standpoint and walking us back from the ledge at times. We love Kelly and our family will definitely come back to her again when we are ready to buy another home. read more

We were referred to Kelly by our financial planner. She was the best recommendation we could have received. She walked us through the process of purchasing our home and helped us every step of the way. All phone calls, text messages, and emails were answered promptly even during the weekends and evenings. Her patience with many, many questions never wavered and we never felt like just another customer. We highly recommend Kelly. read more

Kelly is a wonderful soul who works effortlessly to make sure her clients are happy She is an assertive perfectionist who is hyper focused, thorough, calculated and her experience shows every step of the way. Even though we are a 1st time home owner, she kept us centered and track, doing everything in her power to get us the best rate possible. I highly recommend Kelly to anyone looking for a major ally in the home buying adventures of LA county. Anyone fortunate to get Kelly on their team is on on the right path of being a future home owner. Haiku below: Purely Genuine Delightful perfectionist Pleasure to learn from read more

Kelly is awesome. I have worked with her on two separate transactions and she has been so helpful with everything. She is very responsive and goes above and beyond to make sure you understand everything in the process. She is very knowledgeable in this field. I am grateful for all the help she provided. I highly recommend her! read more

Kelly is fantastic - takes initiative and was responsive to texts, even on evenings and weekends. Will definitely be using her moving forward. Would highly recommend her to anyone who wants a quick, easy, successful mortgage experience. read more

It would be an understatement to say Kelly at Guaranteed rate was great. From the second we started working with her, she made the whole loan process extremely easy. She never hesitated to answer any of our questions and made helpful recommendations that we wouldn't have thought of. I will recommend her and her team to all of my friends & family. read more