Capstone Mortgage is the best. I've used them many times to finance and refinance home purchases…read more Chris Smith and her team are very professional, always get you the best rate, work fast and are honest and up front about the lending market and what they can do for you.

I have been working with Chris Smith and Capstone Mortgage since moving to MA in 2002 and we have…read moreworked together many times. I have the highest regard for Chris and her team. She takes the time to explain all options well and takes the stress out of the finanicing piece of the real estate process. The team makes sure they deliver as promised and always come through. I will continue to use them and I recommend Captsone Mortgage highly.

I had a unique and tricky scenario. I had locked in a rate with a big bank but had a very…read moreunpleasant experience throughout the process. This wasn't my first time securing a loan so I had a level of expecation wiith how everything was going to go. However, I did not anticipate the circumstance I found myself in. After searching online and reading reviews, I decided to call Rob to explore if I had any options available. Though I already had a locked rate with another lender, he was very understanding and walked me through various scenarios of what I could do. Rob also went digging to find alternative lending options to improve upon my current rate and closing costs...which he amazingly did improving my rate by .25 points. He recommended that I go back to my current lender and see if they'd be willing to match. I had already expressed my interest on finding an alternative lending option but he knew how far along I was with the underwriting process and was looking out for my best interest (though I had pretty much decided in my mind to eat the sunk costs I had with my current lender with the main application, deposit, etc knowing that is make it up in the long term with the adjusted rate). I took Rob's recommendations and went back to my current lender and surprisingly they matched the rate to what Rob quoted even though I had already locked in. In the end, I decided to stay with my current lender because of logistical purposes. However, my experience with Rob was tremendous. I'm truly grateful for the amount of time he spent talking with me, his attention to my issues and recommendations. I wish I had found him before I went the big bank route. It would have made my life so much easier and less stressful. Should I be in the market for another property and securing a loan, I will absolutely reach out to Rob.

Attempted to set up an initial call. Used his website which had an automated "chat bot" asking me…read morebasic questions ("is this a refinance? what is the value of the home?"). The bot asked me for a phone number and a time to call. I gave it this morning at 9am. No one called. So I emailed and asked if a human, not a chatbot, could reschedule. Apparently Rob replied and apologised and asked me for several times today to talk. I told him 11am was open, and he confirmed he would call at 11am. He also took my phone number again (I guess his chatbot didn't actually record it, so beware if you use that system). 11am rolls around, no call. After ten minutes I email again asking if anyone was going to call, no response. Been 30 minutes, and I think this is a pretty poor sign. I'll be working with other mortgage brokers moving forward. I'm flexible on my schedule, but to not even attempt to contact your potential customer to let them know you can't call? Why bother scheduling in the first place? Wasting someone's time is about the worst first look you can do. Doing it twice in a row on the same morning? Not great.

Very satisfied with this lender. We worked with James Loughrey and Jo Anne Petrie on our home…read morepurchase loan in the summer of 2014. They made the process as smooth and easy as possible, and we were ready for closing ahead of schedule. They also had they lowest interest rates of anyone we spoke with. We have recommended them to many others.

Thea Simolari is THE best! My wife and I found a home we loved and we put in an offer that was…read moreaccepted with the stipulation that we'd need to close within a month, which is an incredibly tight deadline. Thea went above and beyond the call of duty to help us find a lender with terms we were happy with and then close on the house within this short window of time. Her level of customer service is second-to-none. There were nights when she was on the phone with us late answering questions so that we understood all our options every step of the way. She is knowledgeable, patient, and, above all, she is someone we trust. We're grateful to Thea and all her hard work in helping us as we're now enjoying living in our beautiful new home.

Professional , knowledgeable and superior customer service by Shant and his team…read more Rates are competitive and Shant is always available

I'm sure if you have a simple straight forward local mortgage G-Rate will do a nice job.. Because…read morethey have so much volume they have invested in the latest mortgage underwriting technology. Unfortunately, that technology is not at all friendly or forgiving. All is fine until you add complexity to the situation and need hand holding. I've closed on 30+ mortgages in my life, have owned dozens of properties and this was by far my least favorite closing experience. When things went sideways the implementation team was literally afraid to bring in the boss (Shant) for assistance causing multiple delays all they up to the night before the first scheduled closing. We eventually got it done but the underwriting process was absolutely ridiculous. Here is one example; the underwriters required an official letter from my employer on company letterhead and signed by HR describing the frequency of my annual bonus. Really?? In summary, very nice people but not the best experience. Good Luck.

In July of 2010 we closed on our house thanks to Carol and Bank of America. I have relatives and…read morefriends that all have bought houses in the past 5 years. Every single one of them had problems with their mortgages. More than one person wound up with a higher rate or points at closing which were never mentioned until that day. I could go on and on but every person I spoke to told me to watch out. Carol came as a personal recommendation from a business colleague. Carol was bar far the best mortgage loan officer anyone we knew had ever heard of. Carol even came to our house a few times to get necessary paperwork. Even with the bumps in the road(evil sellers broker) she made every part of an otherwise awful, stressful process better. Most importantly - WE CLOSED ON TIME!!! Anyone who tells you to avoid the big banks because they are bad is WRONG. I can tell you from first had experience, it's not the banks it's the Mortgage Loan Officer you use. Carol is the Best!!!!

Terrible experience with this company. Totally unprofessional and disorganized…read more First problem: we didn't find out until a few days before our finance contingency was set to expire that that the appraisal had never happened. According to Guaranteed Rate, the sellers had refused the appraiser entry to the property. A note that we only found this out because we reached out to them and not the other way around. We later found out from the sellers directly that they had never been contacted by an appraiser (we suspect GR dropped the ball and never scheduled an appraiser). Second problem: they lost our documents multiple times: we were, at one point, asked to resubmit some documents for the 4th time. Third problem: they failed to follow up on questions we had multiple times. At one point, a closing cost that was supposed to be taken care of by the seller was assigned to us. When we questioned, we didn't get an answer until over 24 hours later, which, in turn, resulted in a pushing back of our closing date. They also, wrongly, tried to push us into signing the inaccurate document, claiming that it could be "fixed" at closing. Fourth problem: Because of all of the above, we came very close to being fined by the sellers for delaying closing multiple times. Fifth problem: Despite very clearly telling them to leave me alone, they keep contacting me, trying to get me to refinance with them. After our experience in buying a home, we will never do business with them again.

Andrew and Team provided fantastic service - they were reliable, responsive, and got me a great…read morerate on my mortgage.

I'm surprised no one has written a review, but then again maybe I shouldn't. I doubt that any new…read morekids who just moved in town (who are the ones who would write reviews at this site) would even notice this place. I've used this bank for years. It's an old fashioned bank: no ATM, one office, low employee turnover. Thus, the help gets to know you. Their financial managers are smart; they pay some of the best interest rates around consistently. It is a well-established bank; it survived the Great Depression. Do yourself a favor: Keep the money in the community and do business with them.

I love this bank. Have banked here since I got my first paycheck. Real community bank,…read moreexceptional service and the really go out of their way for their customers. Very knowledgable and long tenured staff who all make you feel how important your business is to them. Agree with other comments - go local - it makes a big difference. Mrs. G

I have worked with Aaron for many years in refinancing my property and I have recommended him to…read moremy family and friends. His communication skills are excellent, he always returns calls or emails promptly. He will stay in touch with clients over the years and let them know if they can benefit by refinancing or help them with a new home purchase. He also is very knowledgeable and can always find the best rates and loan programs to suit your needs. He is the best!

Aaron always finds a solution for the toughest situations. He makes just enough communications and…read moredoesn't bother and overwhelm you with excessive communications. I have been working with him since 2008 and we built a great relationship over the course of a decade. He helped me get my initial mortgage for a property I own in Boston and refinance it multiple times and reduce the payments I have. I strongly recommend him as he stays on top of your applications and he provides a vast amount of guidance strategizing for a positive result throughout the process.

They're sociopaths. We were introduced to Guaranteed Rate through our real estate agent at the time…read morebecause they share an office space. We were interested in getting pre-qualified for an offer we were about to put in on a house. Red flag #1 was our call with them to get pre-qualified. We told them the amount we were prepared to offer, and we were peppered with "Are you sure?? We could qualify you for WAY more!!" Folks, this is how foreclosures happen. When you decide on a price range that fits your financial situation you absolutely should not be talked into a higher range by a complete stranger, especially not one with a financial interest in driving up your mortgage amount. And your mortgage lender absolutely should not be trying to goad you into a higher offer amount. They tell you this in any first time homebuyers class. We did not put in any more home offers with that realtor, and we had no reason to contact Guaranteed Rate. That didn't stop the DAILY barrage of texts, emails, and mail from Shant and Guaranteed Rate. Nothing has stopped them from constantly pestering us with the exact same content like we're somehow going to finally come around on the 10,000th "Hey just checking in..." Don't take my word for it. Google it. Take a homebuyer's class. Ask anyone in the real estate business without an immediate financial interest in getting you to buy a mortgage. They'll all tell you that this kind of predatory behavior is the textbook example of what to avoid when considering a mortgage lender.

Avoid! Avoid! Avoid!…read more This was mortgage refinance nightmare. If I could give zero stars I would. It started with typos on my appraisal. Followed by by failure to returns calls/emails in a timely manner. No biggee, I'll just deal with your boss rather than you. I closed in November (or so I thought). Got called back in Dec telling me that they made an error and I had to go back to the lawyer, sign again and bring more $$$. At that point I called the corporate office in Chicago and lodged an official complaint. I thought we had straightened things out, although I had to go back and resign and bring the $$. I was told there would be no further issues. Lets face it, Guaranteed Rate had me over a barrel-they had closed out my prior mortgage and owned me. Fast forward 3 weeks. My mortgage broker and his boss are not returning any of my emails. The settlement check still hadn't been cashed despite confirming delivery. When I called the branch manager, I was told it was up to me to find out what happened and was given a number to another department in the Chicago office. WHAT??? So now it's on me to do YOUR job. Numerous phone calls and emails later, they finally located my second settlement check and cashed it. It still took days to get the loan transferred to the correct entity. I'll believe it's finally through when I see the welcome package. The best (of the worst) part....I made enough phone calls and eventually was able to speak to the VP of Client Relations. He apologized for the series of errors and told me that he would now personally follow my mortgage until it was finally transferred. I told him I wanted and expected close attention and he agreed. Yesterday, I got an email from him telling me things were almost finalized. He then proceeded to-not once, but twice-tell me to enjoy my NEW home. Here's the kicker, this was a mortgage REFINANCE! The subject line of the email was "my mortgage refinance". Nice work, Mr. VP. Glad to know sloppiness starts at the top and trickles down.