Working with Nicole was such a pleasure! My realtor, Ameer, recommended her, and after comparing more than 12 lenders—including one my siblings had used—I’m so glad I chose her. I only wish I had followed his recommendation sooner.
As a first-time homebuyer, I needed someone knowledgeable, patient, and communicative. Nicole made me feel supported every step of the way, answered my questions promptly, and never made me feel uncomfortable or pressured. She also remained professional and never spoke negatively about other lenders.
I’m especially grateful that she advised me to lock my rate right away while others encouraged me to wait. Had I waited, my rate would have been above 7% as rates climbed. Her guidance made a real difference.
Buying my first home was a huge milestone, and Nicole helped make the process so much less stressful. I would absolutely trust her again and recommend her to anyone looking for a lender. Thank you, Nicole!
I have been working with Nicole for over ten years now and she is an amazing and accomplished professional. She is very professional and extremely knowledgeable and exceptionally helpful and always pleasant. She always accomplishes what she sets out to do and always delivers on her promise. I highly recommend her and her team to anyone who is looking for a mortgage or refinance.
Nicole and her team have been a preferred partner with our team for many years. We always know our clients are in the best hands when we work with Nicole. In many situations Nicole has been the push to get a clients offer accepted. Nicole gives the added strength and confidence with an approval letter that she will get this deal closed and on time. I would highly recommend Nicole 100%. We always look forward to closing deals with Nicole.
Nicole Santizo with Rate is a 5 star lender. No one works harder or is more knowledgable and effective than her. She is our go to lender. It is a pleasure to work with her.
Nicole and her team are the best! She has massive experience, keeps up with market dynamics and is a proven and calm problem solver! I know when I refer my clients, they're in good hands and the loans close, every single time.
As real estate agents, we know firsthand how much the right lender can make or break a deal. We’ve worked with Nicole for years, and she’s our go-to for a reason. She really knows her loan programs, handles the details without missing a beat, follows through, and actually picks up the phone when you need her.
What stands out most is how much she genuinely cares about our clients and how quickly she can move when we need a fast closing. Her communication keeps everyone informed and makes the process feel so much easier.
We’ve also used Nicole for our own personal home loans, so we’ve seen how seamless she makes the process from both sides. When we refer a client to Nicole, we know they’re in great hands. We’re so grateful to have her on our team!
Nicole was absolutely amazing throughout our entire mortgage process! She was incredibly helpful, knowledgeable, patient, and always there to answer our questions and guide us every step of the way. She made what could have been a stressful process feel so much easier and smoother. We truly appreciate all the time, effort, and support she gave us in helping us get into our new home. We are so grateful and couldn’t be happier with our experience. I would definitely recommend Nicole and her team.
Nicole and her team are professional, responsive, and easy to work with. Communication was always quick, and they were readily available whenever needed.
I worked with them for over a year during my home search, and they consistently turned around multiple pre-approvals quickly. When it came time to close, they handled everything efficiently and coordinated well with the title company to keep things on track.
They also secured a competitive rate for me. I would definitely recommend Nicole and her team.
This review is long overdue. Our first home-buying experience with Nicole at Guaranteed Rate was seamless and successful. She was incredibly fast at delivering a pre-approval in just two days. She promised a 14-day close and delivered. In a competitive market, this was a game-changer; it made our offer as strong as a cash bid and was instrumental in our offer being accepted. It was accepted on a Thursday evening and she got her team to get the appraisal done over the weekend.
As first-time buyers, we appreciated her constant availability and patience in answering our many questions. Her dedicated team handled the complexities of our RSU-based financial documents with ease, showing true expertise. She also pointed us to her home insurance contacts and we got a great deal with them. Nicole isn't just a loan officer; she’s a dedicated partner. Highly recommended!
I've now worked with Nicole and team twice - first when we closed on the home and again when we refinanced a year later. What I love about Nicole is that she is easy to talk to, follows up, and is ready when you are.
When we first closed our our home, interest rates were pretty high and she know that I eventually wanted to refinance. Every couple of months or so, she would check in with me, let me know how the market was looking, what rates looked like if Ichose to refinance. Finally, after almost a year, we landed on a rate that made sense. I refinanced from a 30-year fixed, to a 20-year fixed! She helped me shave 9 years off my mortgage.
I would recommend anyone wanting a knowledgable and FAST close to speak to Nicole and her team!
Nicole and her team were absolutely incredible to work with on our home purchase in San Jose. I didn’t realize it was even possible to close on a home within 2 weeks. She and her team were super responsive, thoughtful, and professional in helping me and my wife close on a home. We put in an initial offer on a home on which we got outbid but then she and her team were able to quickly help us pivot and put in offer on another home which was successful. Both these offers were put together within a matter of 24 hours and she was absolutely amazing in working with us to coordinate all the logistics needed for an initial pre-approval all the way to the final close. She was also able to quickly identify the best mortgage program for us which by far had the best rate. My wife and I are incredibly grateful and appreciative to Nicole and her team for allowing us to close on a home in the uber competitive housing market of San Jose. I really can’t say enough positive things about working with Nicole.
This was the quickest refinance I’ve done so far. Nicole and her team closed the deal in less than three weeks. Thank you, Nicole, for your work and for being patient with all my questions.
I’m so grateful to Nicole Santizo for making my refinance such a positive experience. She is incredibly knowledgeable, patient, and attentive. She kept everything moving smoothly and made what could have been stressful feel easy and manageable. I highly recommend her to anyone looking for a top-notch loan officer.
LLeslie M.
I had an outstanding experience working with Nicole. From start to finish, she made the entire lending process clear, smooth, and stress-free. Nicole is incredibly knowledgeable and took the time to explain every step, answer all my questions, and ensure I felt confident in each decision.
Her communication was exceptional—quick, thorough, and always proactive. I never had to wonder about the status of my loan because she kept me updated the whole way through. Nicole’s professionalism, attention to detail, and genuine care for her clients truly set her apart.
If you’re looking for a lender who is dedicated, reliable, and a pleasure to work with, I highly recommend Nicole. She made a complex process feel easy, and I couldn’t be happier with the outcome.
It is a pleasure working with Nicole and her team. This is our second time working with her on a home purchase. She walked us through every step and provided us with very competitive rates. I highly recommend Nicole and I am sure we will be using her again down the road.
We've worked with GR twice now and both times they were extremely thorough, patient, and trusting. We always felt comfortable that our loan was on the way to approval because of the clear communication throughout the process.
LLindsey D.
Andre and his team were very engaged and helpful through the entire process!
MMauricio S.
Fast and transparent process.
MMikhail B.
Nicole and her team were absolutely phenomenal! From day one, they were approachable, patient, and easy to talk to—making what’s usually a stressful home buying process feel seamless. Their communication was top-notch: every question was answered clearly, and they kept me informed every step of the way.
They walked me through all the loan options in a way that made everything easy to understand, and their attention to detail and efficiency meant we were able to close incredibly quickly. I felt completely confident and supported throughout.
I’m so grateful for Nicole and her team’s professionalism, speed, and warmth—thank you all so much for making this experience smooth, pleasant, and even exciting! Highly recommend them to anyone looking for a stellar lending team.
Response from Owner
Thank you for the kind words and trust Nikhil, we truly appreciate it!
Nicole and her team are amazing. They provide superior service with customer first mindset. They were there every step of the process with clear and timely communication and support. I’ve used their service in all of my home purchases. I highly recommend them in a heart beat.
Response from Owner
Thank you Emily for the kind words and continued support!
Nicole is a committed, reliable and thorough professional, who works hard for her clients and ensures they get the best deal to cement a long-term personal relationship. She came in during stressful time, helped to save & secure a wonderful outcome. She & her team are fast, responsive and supportive during the whole process. It's rare to find such committed & trust-worthy individuals. I have two today - my agent & Nicole. Wholeheartedly recommend for any mortgage lending and financing needs. Definitely looking forward to working with her in the future.
Response from Owner
Thank you for the kind words Biju! We look forward to working with you in the future as well.
I had a fantastic experience working with Nicole. Nicole and her team were always available throughout the closing process (and also after) in answering my questions, guiding me through every stage of the closing and also accommodating a very short and tight closing window. Her team was quite creative in finding avenues that lowered my interest rate by a few basis points and the rates she offered were quite competitive to the larger banks. I'd recommend Nicole and her team for anyone's lending needs and would definitely like to work with her again in the future.
Response from Owner
Thank you for the fantastic review! We’re so glad to hear that our team was able to support you every step of the way, especially with a tight closing timeline.
This was the second time we worked with GR - first with Nicole - and we were so happy with our decision. Buying a house is stressful and Nicole patiently walked us through the whole process again. She has a calm demeanor and was lovely to talk to. Her availability to chat through different scenarios with us and her communicative nature made us feel secure in our progress. Her team is just as supportive, highly recommend.
Response from Owner
Thank you so much for your kind words and choosing to work with us. Congratulations on your new home!
I had a great experience working with Nicole Santizo from rate.com for my first home purchase. From the initial explanation to the final steps of the loan process, everything was smooth and clearly communicated. Nicole was professional and responsive.
One of the highlights was how easy it was to upload all the required documents through their website. The platform was user-friendly and kept me updated on the progress at every stage, which really helped reduce the stress of buying a home for the first time.
I’m truly grateful for Nicole’s support and would highly recommend her to anyone looking for a mortgage loan officer who’s efficient, trustworthy, and easy to work with.
Response from Owner
Thank you so much for your kind words and thoughtful review! We're thrilled to hear that you had a great experience working with us on your first home purchase.
Excellent communications.
And speed in moving
thru.
DDan D.
Nicole Santizo was great in closing my loan in less than 2 weeks. Wow!
AAbegail Y.
Excellent customer service and guidance
KKatherine B.
We can't recommend Nicole and her team highly enough! After our original lender bailed on us at the last minute, we were in a complete panic — but Nicole stepped in and completely turned things around. Not only did she offer us the best rate, but she and her team were incredibly proactive, responsive, and reassuring throughout the entire process.
They stayed on top of every detail to ensure a smooth and timely underwriting, and kept us updated at every step — which meant the world to us given how nervous we were. Thanks to Nicole’s dedication, professionalism, and calm presence, we closed on time and with total confidence.
If you're looking for a lender who truly has your back, look no further. Nicole is the real deal!
Response from Owner
Thank you Sudeeptha for your faith in us--we are thrilled for you and your family. Congratulations on your new home!
I’ve financed or refinanced nine times over the years, and working with Nicole Santizo and her team at Guaranteed Rate has been by far the best experience I’ve had. This is my second time working with Nicole, and there’s no doubt they are a cut above the rest—hands down the best in the business.
From start to finish, Nicole and her team are incredibly organized. They keep you in the loop at every stage, providing clear communication and visibility into what's needed for the application, as well as the current status of every step. This transparency makes the process much less stressful, and it’s one of the reasons I trust them so much.
What truly sets Nicole apart is her honesty and commitment. They are always upfront and live up to every promise made, which is rare in an industry that can sometimes be opaque. When we were in a bind, needing to close quickly, Nicole’s team executed flawlessly. In one of our mortgage experiences, the original lender backed out just five days before closing. Thanks to Nicole and her team, they managed to process a complex mortgage application in less than two weeks. Without them, we likely would have lost the offer on the property.
Guaranteed Rate also offers an impressive range of products. Even in complex situations like ours, they always find a way to make it work. They likely have the best rates in the industry, which only adds to their value.
Lastly, the platform they use to manage the application process is seamless. It takes away the stress that often comes with applying for a mortgage and makes the entire experience incredibly smooth.
I can’t recommend Nicole Santizo and her team highly enough—if you want a smooth, fast, and reliable mortgage experience, look no further!
Response from Owner
Thank you for the wonderful comments and for your trust in us Vinay. Looking forward to seeing what you do with the property!
Outstanding service, professional staff, a clear process, and a friendly office. I’ve never experienced this level of excellence in any transaction before. Buying a house isn’t easy, but they made it smooth and even enjoyable
We had a wonderful experience working with Nicole and her team at Guaranteed Rate. She truly came through for us during a very stressful time. When our builder’s in-house mortgage agent unexpectedly denied our loan just days before closing, we were left scrambling.
Nicole stepped in like a savior—swift, professional, and incredibly efficient. Not only did she help us secure approval in a very short time, but she also managed to get us a better interest rate than what we were initially offered. Her responsiveness, clarity, and commitment made all the difference.
We are extremely grateful for her support and highly recommend Nicole and her team to anyone looking for a reliable and dedicated mortgage professional.
Response from Owner
Thank you kindly for your trust and congratulations to you and your family!
Nicole Santizo and team were great partners throughout the process and did an amazing job closing our loan in just 11 days!
JJeremy C.
Nicole and the team were instrumental in meeting the tight deadlines. They answered all our questions and explained different options. Much appreciate all the help and guidance.
Response from Owner
Loved working with you and appreciated your collaboration throughout Emre! Excited for your move-in date!
Nicole and her team went above and beyond and is awesome.
JJinzhi Z.
I recently had the pleasure of working with Nicole and their team during my loan process, and I couldn't be more impressed with their service. From start to finish, they provided exceptional support and guidance, making the entire experience smooth and stress-free.
Nicole and the loan coordinator (Jennifer) were incredibly attentive to every detail, ensuring that all necessary steps were taken during the closing period. Their professionalism, dedication, and patience were truly commendable. They went above and beyond to assist me with every small step, and their expertise made a significant difference.
I highly recommend Guaranteed Rate for anyone in need of loan services. Thank you, Nicole, for your outstanding service and support!
Response from Owner
Thank you kindly Parag! I am fortunate to have such an incredible team and it was our pleasure to serve you and your family!
My husband and I could not be more satisfied with the efficiency and care that Nicole Santizo (and team) handled our recent home transaction. As first time homebuyers, we had an enormous amount of questions and just overall uncertainty about the entire process. But, each step of the process was explained in great detail and without any condescending attitudes. Even though we purchased during the busy holiday season, there was never a time we felt disregarded. From initial approval of our VA loan, to underwriting and closing, the entire process was peaceful. I’ve heard plenty nightmare stories of others’ experiences elsewhere so I am grateful we did not experience anything of the sort. Nicole (and team) were professional, kind, knowledgeable, QUICK, and worked cohesively with one another. I would definitely recommend her services and look forward to working with her team again for future purchases.
Response from Owner
Thank you for the amazing support Michelle--wishing you and your family a fantastic summer in your new home!
