Kelly and her team first helped my family and I in obtaining a loan for a house in 2010. She recommended the best realtor who helped us find our home in 2011. Kelly's team helped me refinance to pay off a HERO Loan gone crazy and then again in 2020 to lower our payments. So today, I write this review as a new homeowner. I am currently going through a divorce and called Kelly a few months ago to see where I needed to be at with my credit, debt, and income. Kelly went through all the details, worked numbers for this and that, and provided me with all my REALISTIC options. Once I was ready, she provided me with the name of a realtor duo that were phenomenal! I sold the house and purchased a home for my son and I all in about 30 days. Kelly's team never makes you feel alone in the process and always emphasis that they are there to answer any and all question. To think that I found an ad for Kelly in 2010, when no one wanted to take a chance on us, and here I am in 2022 still so blessed to have her expertise and help through this new and amazing chapter in my life. If you're on the fence about choosing a mortgage lender...take a leap of faith with Kelly Manderscheid at Guaranteed Rate! I promise you; you'll be glad you did. read more

From the moment I first connected with Kelly was professional and efficient, getting things done with laser focus. But what really surprised me was how kind she was. She took the time to listen to my very specific situation, all my anxieties about buying a home, and never once made me feel rushed. Kelly's knowledge of the mortgage industry is top-notch. I bombarded her with questions (some probably silly) and she answered every single one patiently, explaining everything in a way that made sense. Plus, she found me the best loan option with a rate that felt like a steal - not just for the short term, but for years to come. Kelly's work ethic blew me away. Even when things got bumpy, she kept everything moving forward. No matter what, she was always a call or email away, even when she was out of town. She truly made me feel like I was her only client! Thanks to Kelly's hard work and dedication, I closed on my home way faster than I ever thought possible. If you're looking for a loan officer who goes above and beyond, Kelly's your person. I highly recommend her! read more

My husband and I cannot express how grateful we are to have had Kelly as our loan officer during the process of buying our second home! From the very first conversation, Kelly was incredibly friendly, professional, and attentive. She took the time to understand our needs and walked us through every step of the loan process with patience and clarity. Kelly was always accessible, answering our questions ( day or night; weekend or Holiday) promptly and ensuring we felt confident and informed. Her expertise and guidance made what could be a daunting experience feel smooth and enjoyable. We truly appreciated her proactive approach in keeping us updated and her ability to simplify complex terms. Thanks to Kelly's hard work, we were able to close on our new home seamlessly, and we couldn't have done it without her dedication and support. If you're looking for a knowledgeable and caring loan officer, look no further than Kelly! We wholeheartedly recommend her to anyone seeking assistance in their home-buying journey. Thank you, Kelly, for making our dreams a reality! read more

We had the pleasure of working with Kelly with rate mortgage, and she exceeded all of our expectations. Throughout the entire process, Kelly was consistently available to answer our questions and provide guidance, no matter how big or small the request. Her expertise and professionalism were evident as she helped us calculate and fine-tune the numbers for our mortgage payments, ensuring everything was tailored to fit our needs. Kelly's attention to detail, responsiveness, and willingness to go the extra mile truly made a difference in our home-buying experience. We couldn't have asked for a better lender. If you're looking for someone who will be there for you every step of the way, we highly recommend Kelly. She made what could have been a stressful process feel seamless and stress-free. Thank you, Kelly, for all your hard work and dedication! - The Lepley Family read more

Working with Kelly on my home loan was one of the best experiences I've had in any professional setting. She truly went above and beyond every step of the way -- answering all of my questions with patience, explaining everything in detail, and making what could have been a stressful process feel smooth and manageable. Her kindness, warmth, and genuine care really stood out. She's not only knowledgeable and professional, but also one of the sweetest people you'll ever meet. I felt supported, valued, and completely at ease throughout the entire process. If I could give her 10 stars, I would in a heartbeat. I'm so grateful for her help and will absolutely be recommending her to anyone looking for a home loan. She's a gem! read more

When buying a home, you want to have Kelly Manderscheid on your team. As a first-time home buyer, she went ABOVE and beyond to answer all of my and my partners questions. She is a very knowledgeable and trustworthy individual. Anytime I felt confused she was always available to keep my mind at ease. She is a very genuine person and does a great job in communicating what steps need to be completed next. Yes, buying a house is very stressful and it can be a scary experience, however having Kelly as our lender, made this experience very smooth and enjoyable. The attention to detail Kelly has and the time she invests in her clients is phenomenal. Very professional and I will continue to use her for all my referrals. read more

I was recommended to Kelly by my realtor after being frustrated with another lender not providing a preapproval in a timely matter. From my initial call with Kelly, not only did she provide me an interest rate that was significantly lower, but as a clueless first-time buyer, she walked me through every step of the process all the way to closing. Words cannot express how much I valued Kelly's professionalism, experience and compassionate personality. The online process was streamlined and extremely easy to navigate with uploading and signing documents. I am eternally grateful to Kelly and her team and will recommend her to anyone in need of a loan. I will definitely go to Kelly for any future loans. read more

I am an agent in the Temecula Valley and I just have to share an experience that above and beyond for me and a client. I had a buyer that had to make a decision in 1 day if he could afford a home he was thinking of purchasing and of course that day was the day before Easter this year. I called Kelly and in typical Kelly fashion she answered her phone as her family was driving out of town for the holiday weekend. I told her my delima and instead of saying I cant have an answer until Monday, she started the prequal process on the drive. By that evening she had pre qualified my client to purchase a home. Just another day in the office for Kelly and her team! read more

I highly recommend Kelly at Guaranteed Rate. From the beginning of our loan process we really felt comfortable with her. She answered all of our questions and concerns and was able to give us the best rate compared to other loan agents. She is very knowledgeable in all aspects of the loan process. Kelly was always quick and responsive to our texts and calls when we had questions. We will definetly be calling her for our future loan needs and recommending her and her team to all of our friends and family. Kelly is the best hands down! If I could give her 10 Star Review here I would . Thank you Kelly we appreciate you and all your help. read more

Working with Kelly at Rate was an incredible experience! From start to finish, she guided us through every step of the loan process with clarity and professionalism. Her team was also amazing--always helpful, responsive, and supportive throughout the entire process. Kelly kept us informed about exactly what would happen, when it would happen, and how to navigate everything smoothly. Thanks to her hard work and efficiency, we were even able to close a day early and get the keys to our new home ahead of schedule! Kelly and her team truly went above and beyond, and we couldn't recommend them highly enough. read more

Buying our first home with Kelly was a truly positive experience. She was consistently available to guide us through the loan documents and clarify the complexities of the contracts, ensuring we always felt confident in what we were signing. Kelly also secured a first-time homebuyer grant that significantly helped with our closing costs. From start to finish, she remained actively involved in the process, providing thoughtful attention and support whenever we needed it most. It was a pleasure working with her, and we would highly recommend Kelly to anyone looking to buy a home. read more

We were recommended to Kelly because our realtor thought she would be a good fit. We couldn't have hoped for a better lender. Kelly goes above and beyond to explain the home-buying process. She is super approachable and never made us feel like we were being difficult when asked to explain (or reexplain) any questions we had. She even kept in touch after closing to make sure our mortgage payments were set up appropriately and offered her assistance in avoiding scams. It was such a relief that advocated for our best interests while navigating us through escrow. read more

It is my understanding that Kelly Manderscheid has been working with home buyers for over two decades as they seek financing for home purchases. She was recommended to us by our seller and we can say without hesitation that she exceeded our expectation; we needed some creative financing to fit our particular needs and she was able to tailor a product for us that met those needs. She was patient, knowledgeable and genuinely interested in seeing that we were able to get the financing we needed for the long term as well as the short term. Thank you, Kelly! read more

I would like to say thank you to Kelly as first-time homebuyers with very busy schedules, we were a bit nervous about the mortgage process. From the beginning Kelly explained every step clearly, helped us understand our loan options, and was always quick to answer our questions (even late in the day). Thanks to Kelly, we were able to close on our first home smoothly and on time. We're so grateful for her expertise and care. If you're a first-time buyer I would recommend Kelly 100% read more

Kelly was so extremely helpful on processing my loan. Her knowledge of the various different loan types was instrumental in finding the best lowest cost loan and locking me in with a low rate. She walked me through the process and was always available at a moments notice to answer any questions I had. Additionally, she was able to help facilitate the closing and recording of the loan on time despite delays from other parties. I would highly recommend Kelly and Guaranteed Rate. read more

We had an absolutely outstanding experience working with Kelly! She was incredibly personable and trustworthy, which made the entire home-buying process feel comfortable and truly stress-free. I always felt completely at ease asking questions, and she was thorough, responsive, and consistently available whenever we needed her. We are so grateful for her guidance every step of the way and would highly recommend her to anyone looking to buy a home! read more

My experience with kelly as the lead in my new VA loan process was exceptional and surpassed all my expectations and even some I didn't know about. She was always positive and willing to help at any time(except moving in). But really , I could talk with her at any time, and she always let me know where the process stood and what to expect next. I would recommend her to anyone and everyone. Her skills and service etiquette were a 10+. read more

I highly recommend Kelly at Guaranteed Rate. She helped me and my family get our first house. She was there from the beginning and help us out with all our questions and concerns that we had. She was really responsive. She was always there to answer all our questions that we had, we will definitely be calling her for our future purchases needs needs. Please give them a call if you need any loans. thank you, Kelly. read more

Fast, efficient, and personable are words I'd use to describe my experience with Guaranteed Rate. My loan was completely processed in only 13 days. Kelly Manderscheid did an amazing job walking me through the lending process. She accommodated my unconventional schedule and made time to connect with me to ensure I received necessary updates. I am a first-time buyer and would highly recommend Guaranteed Rate. read more