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    Melissa Howell - Guaranteed Rate Affinity

    5.0 (4 reviews)
    Closed 9:00 am - 5:00 pm

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    Ask the Community - Melissa Howell - Guaranteed Rate Affinity

    Transparent Mortgage - Beau H. - Owner - Mortgage Professional Since 2003 | Mortgage Lender San Diego

    Transparent Mortgage

    (170 reviews)

    Miramar

    Working with Beau has always been such a pleasure. He is an absolute wealth of knowledge for…read moremyself and my clients. He is fully transparent and does a wonderful job guiding my clients every step of the way. When I work with Beau, we always make it to close on a new home for my clients and it is a joy for all of them. He is a breath of fresh air and has become a friend along the way

    I didn't end up originating my mortgage through him, but I just had to come on here and say I…read moreHIGHLY recommend Drew Clemans for your mortgage origination needs. Throughout my entire home buying process Drew was generous with his time and expertise, literally every step of the way. His bio mentions that his approach is rooted in education, and that really came through in my experience. He took the time to make sure I understood what was happening and why, which made the whole process feel a lot less overwhelming. His advice was thoughtful and tailored to my situation, never generic or salesy. He knew I already had a lender but he was still willing to give him time and advice with no strings attached. He also connected me with a homeowners insurance agent who ended up getting me a much better policy than what I was originally planning to sign up for. That referral alone made a huge difference. Drew is the kind of person you want in your corner when you're navigating the home buying process. Knowledgeable, kind, and genuinely invested in helping people. I truly can't recommend him highly enough.

    Renzo Marsano - MAR Financial - Renzo Marsano MAR Financial

    Renzo Marsano - MAR Financial

    (289 reviews)

    I've worked with Renzo Marsano three times now, and each experience has been outstanding. He first…read morehelped me purchase my home, then guided me through my first refinance, and most recently assisted with my second refinance. Every time, Renzo has been professional, knowledgeable, and incredibly responsive. Renzo takes the time to explain all options clearly, answers questions quickly, and makes what can be a complicated process feel smooth and stress-free. He truly looks out for your best interests and tailors solutions to your specific goals rather than offering a one-size-fits-all approach. The fact that I continue to return to Renzo says it all. I trust him completely and would highly recommend him to anyone looking to purchase or refinance a home.

    It's been almost a year at our new home and Renzo helped us with us refinance! It was our first…read moretime so we had a lot of questions. He walked us through the entire process professionally and kindly. The entire thing went very smoothly. He was always available to answer our inquiries. Prior to refinancing, there was an incident where we had an issue with our escrow account and Renzo graciously agreed to assist us by having a three way call with customer service. This is one of many examples to show how he goes above and beyond to help his clients out; The quality of customer service was beyond a doubt amazing! Thanks again for everything and helping us out! Most definitely recommend Renzo if you are seeking a home loan or need assistance with refinancing.

    RWM Home Loans

    RWM Home Loans

    (248 reviews)

    Torrey Hills

    My wife and I are first-time home buyers, so there was so much around this adventure that we didn't…read moreunderstand going in. The lending part of the process was especially intimidating and anxiety-provoking. Based on a family recommendation, we reached out to one person initially, but the communication was transactional, terse, and spotty. It only made us more uncomfortable and disoriented. That's when we reached out to our real estate agent for her recommendation. We said we didn't know what was typical, but that we were hoping for a more hands-on approach. She recommended Max Snyder with the 100 Doors team at RWM. Max is absolutely phenomenal. He's personable and patient, with excellent attention to detail and follow through. He's a strong communicator and responsive, too. Whenever we were confused or curious, he was happy to answer our questions. Throughout the process, he kept in mind our "financial personality" and how we wanted to approach our expenses conservatively. He helped us set our overall budget based on our desired monthly payment. Then, as we house hunted, he created reports on the homes we were most interested in so we could get a clearer picture of their feasibility. That was an awesome service! It empowered us to make offers and understand our limits. He also helped us explore our options to save money, such as presenting ways to qualify for an interest rate cut and the ability to lock our interest rate (as well as good timing for the lock). Come time to shop for home insurance, we knew the monthly cost to shoot for to keep our monthly payment where we wanted it. Around our closing disclosures, he let us know what to expect, so there weren't scary, deal-breaking surprises numbers-wise, and he explained changes we spotted. At every turn, I felt like I knew what was going on and like I wasn't alone. His team kept us on track through all the major milestones and got us to our closing date on time. There was even a moment when the listing agent mistakenly requested a later closing date. Extending our interest rate lock would've incurred a daily fee, but that was our best financial option. To help us through the change, Max offered to absorb the fee. Max made the lending process warm and approachable. He instilled confidence, both in him and in our own decision-making abilities. I can't thank him and his team enough for all their hard work. We couldn't have asked for a better loan officer. It's hard to put into words how much this positive experience meant to us at such a stressful, exciting, and significant point in our lives.

    We have been working with Angela at RWM for a good amount of time. We were finally in the right…read moreposition to buy and the process was smooth, extra informative, with all our questions covered. Communication was great and timelines were kept all the way up to close. Will be a repeat client when the time comes.

    Melissa Howell - Guaranteed Rate Affinity - mortgagelenders - Updated June 2026

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