Ratings include all 153 reviews. Reviews collected directly from clients are shown only with their permission.
Shane Cook is one of the VERY BEST local OBX Lenders. He can work miracles. He's diligent, calm, reassuring, personable, communicative, and never gives up. I am always confident referring my buyer clients to him. I'd give him 6 out of 5 stars if I could. THANKS AS ALWAYS, SHANE!
Response from Owner
Terry, I can't thank you enough for the kind words and the 6-star shoutout! Keeping things calm, clear, and moving forward—no matter the challenge—is always the goal, and having a top-tier agent in my corner makes all the difference. Thank you for always trusting me with your buyer clients. I'm grateful for your partnership! ~Shane
The experience was great . Shane was very easy to work with and was very responsive . He handled anything that came up right away . Was a pleasure to deal with .
Response from Owner
Thank you Dennis. I am very happy for you. Congratulations! ~Shane
Excellent help, made it really easy. Highly recommend
Response from Owner
Thank you very much Jim. I appreciate the feedback and hearing that we were able to make it easy for you. Congratulations on your new home at the beach!
Shane and his associates at Guaranteed Rate.com were polite, courteous and client focused throughout the entire process from pre-approval through final approval. Communication was clear and frequent.
Response from Owner
Thank you so much for the fantastic review! Polite, clear, and frequent communication is exactly what we strive for, so I'm thrilled to hear that the team and I hit the mark for you. We love keeping our clients focused and confident from pre-approval all the way to the closing table. Congratulations, and thank you for trusting Guaranteed Rate!
Shane was a pleasure to work with throughout the entire process. He communicated clearly, promptly, and consistently, keeping us informed every step of the way. He took the time to walk us through several purchase options and helped us find the one that was the best fit for our needs.
Once we were under contract, Shane and his team worked diligently to ensure a smooth and efficient transaction, helping us reach the finish line quickly and with confidence. I highly recommend Shane to anyone looking for a knowledgeable, responsive, and dedicated real estate professional.
Response from Owner
Thank you so much for the incredible review! It was absolute pleasure working with you to find the perfect option for your needs. Keeping you informed and confident from start to finish is always our top priority, and I’m thrilled we could get you across the finish line so smoothly. Enjoy your new home, and please don't hesitate to reach out if you ever need anything in the future!
Thank you so much for the incredible review! Working alongside you for the last 25 years has been an absolute privilege. Navigating the ups and downs of the market together is always easier when you're partnering with a true professional. Cheers to a quarter-century of closing deals and taking care of clients, and here’s to many more successful years ahead! ~Shane
Shane Cook with Rate Mortgage has been amazing, working with us for over a year in helping my wife and I buy our first home. Any issue that we came into, he was patient and understanding, always responding back promptly and with helpful advice, he was able to prepare us for upcoming steps ahead of time of closing so that they went flawlessly. Shane is a fantastic agent, very easy to work with, and easy to get into contact with. We loved working with him and would work with him again without a doubt! Shane Cook with Rate Mortgage, is absolutely so, an agent work recommending.
Response from Owner
Thank you for the 5-star review! Helping first-time homebuyers navigate the complexities of the market is exactly why I love what I do. I’m so glad we were able to tackle those issues together and get you to a smooth closing. It was a privilege to be your loan officer—thanks for the recommendation! ~Shane
Shane made my mortgage process very smooth, keeping me informed every step of the way! I highly recommend Shane!
Response from Owner
Thank you so much for the recommendation! I’m glad I could help make the process smooth and keep you informed throughout. Providing clarity and regular updates is always my top priority. Congratulations on your new home! ~Shane
Shane and team were the best throughout the process. He is very knowledgeable and extremely easy to work with. I would highly recommend Shane Cook.
Response from Owner
Thank you so much for the kind words! It was truly a pleasure working with you. My team and I strive to make the process as seamless as possible, so I’m thrilled to hear you had such a positive experience. We appreciate the recommendation! ~Shane 252-207-2665
Shane and his staff were amazing to work with. Very responsive, patient, and got our loan to close in 30 days. As a real estate attorney I can especially appreciate the high level of service that Shane provided. I highly recommend him!!
Response from Owner
We really appreciate the feedback! My staff and I aim to provide a high level of service for every client, and it’s always rewarding to work with someone who sees the 'behind-the-scenes' effort that goes into a fast closing. Thank you for choosing us for your financing needs!
Shane Cook was a pleasure to work with on our recent home purchase in Corolla, NC. He knows the market and came up with a great solution that worked very well for us. We would highly recommend working with Shane and the Rate team. Excellent customer service throughout our purchase process. Competitive rates, strong communication, and easy to work with.
Response from Owner
Thank you very much Rob for the feedback. I really enjoyed working with you and Congratulations on your new Beach Home!
Shane lined everything up, kept our process fluid and moving, while answering our questions and making clear sense throughout our process. He was instrumental in getting us to closing and we could not have done it without his hard work and expertise.
Response from Owner
Thank you Dan for trusting me. I'm very happy for you and that everything went smoothly. Congratulations!
Process was quick and efficient. Rate could have been bit more competitive.
DDaniel H.
The service from everyone was amazing. Shane and Kerrie were awesome to work with.
DDavid L.
There the best
RRyan M.
Best re-financing we have ever done - Shane and Kerrie were great
JJeffrey J.
Super easy to work with and great service. Great communication
RRussell S.
Shane is the best when it comes to getting you in a new home. He is knowledgeable about what is needed and always available for help or questions. I first started pursuing a mortgage with Shane in 2022 and now have one this year with a great rate thanks to Shane. Why stick with a lender since 2022? Because he is like family.
I can't write enough praise for Shane and his energy, ethics and professionalism. This is the man to get you a mortgage!
Response from Owner
Thank you Daniel for the amazing review. I am very happy that you found a great home and everything went smoothly. I appreciate you and your business!
Shane knows his products to the T. My clients had a wonderful experience working with Shane on a large house for investment. Shane was smooth as glass and got it done. Seamless is the word that came up the most often. Kerrie Smyers was proactive with my clients and made them feel at ease with great communication and follow through.
Response from Owner
Thank you so much for the kind words! We take a lot of pride in making complex investment deals feel ‘seamless,’ so hearing that word from your clients is the ultimate compliment. Kerrie and I truly value our partnership with you, and we’re thrilled we could provide such a smooth experience for your buyers. Looking forward to the next one!
Shane and his team were truly a pleasure to work with. We were working with another lender and after a few calls we felt we needed to change and Shane was able to step right in and help us out. He provided thorough information and guidance to help us close on time and with no issues. I would highly recommend him for any loan needs.
Shane and his team helped me out on my loan with speedy prompt service. They were easy to talk too.
RRyan M.
Due to their patience and concern for providing me with the best solutions for my mortgage.
JJane W.
Good service
WWilliam M.
quick and easy
BBrian H.
It was a real pleasure working with Shane Cook for our mortgage! Shane was very responsive to any questions we had and we felt like he was really giving us great advice and got us the best possible rate. He was very personable, professional, and knowledgable. He was easy to work with even though we were from out of town. I highly recommend him!
Response from Owner
"Thank you so much for the kind words, Scott! It was truly a pleasure working with you and Laura to get you into your new beach home. I hope you have many happy years making memories there. It really meant a lot that you reached out to a fellow Salisbury boy to help with your mortgage needs—it’s always great to work with someone from back home!"
Responsive, knowledgeable, professional.
Good down east attitude and approach to being helpful.
DDale M.
From Start to Finish, Shane and his team were exceptional. Very responsive and considerate of our needs. Communication was awesome during the entire process. By far, the easiest lending process we have ever experienced. Highly recommend!!!
Response from Owner
Thank you Charlotte for the awesome review. I'm very happy to hear that the process was easy! Congratulations on your new home and reach out anytime if I can help in the future. ~Shane
Shane has assisted us more than once in the purchase of properties and we will continue to work with him on any mortgage needs. He is professional and always helpful. We would recommend Shane to everyone. He's the best!
Response from Owner
Thank you Whitney very much. Congratulations on the new home and move!
Shane and Kerrie were both very professional, honest and forthright in the handling of this transaction. I would highly recommend them to anyone that wants to secure a mortgage loan. From start to finish they were there to answer any and all questions and concerns.
Thank you to both of them.
HHoward B.
Working with Shane and Kerrie was a wonderful experience. They made the whole process seamless. There was never any question that went unanswered and communication was perfect. Everything was clearly spelled out and thoroughly explained. I would highly recommend Shane and Kerrie and the rests of the team for your loan needs.
Response from Owner
Thank you Rob for the awesome review. Kerrie and I really enjoyed working with you.
We used Shane with Guaranteed Rate for our mortgage and again for our re-fi. Shane + team are very informative and accommodating during the entire process. We couldn't have asked for a more knowledgeable lender that provides such excellent customer service.
Response from Owner
Thank you Shane for the great review. Thank you for trusting us to help you on both occasions. I'm always here and happy to help if you need anything in the future.
Shane Cook and his team were not only helpful and professional but made me feel as if I were their only client. I also found that he being on "my team" was a plus with the other professionals I was dealing with.
MMaria F.
Shane Cook and his TEAM at Rate are FANTASTIC!! Incredible Straight Forward communication to reduce the stress involved in buying a new home. Bottom line, Shane helped us achieve one of our lifetime goals and dreams. Could not be happier with Shane and his TEAM!
BBradley S.
We are so thankful that our realtor recommended Shane. He has been such a key part of us purchasing a vacation home. He was incredibly thorough at providing us with what we needed and was easily available to communicate with. He is amazing and Kerrie was fantastic as well—patient and helpful. Cannot say enough good things about them! Thank you for everything.
Response from Owner
Tabetha, thank you so much for the review. I'm very happy the right home came along for you. I'm excited for your closing today!
I cannot speak more highly of Shane and his team. They have helped me in so many ways during my house hunting and buying adventure. Not only do I recommend him to family and friends but his reputation is so solid that it was a plus for me that he was in my corner.
Go NO PLACE else! He is the best you will ever hope to find.
Response from Owner
Thank you Maria. I’m so happy for you. You worked so hard to make this happen. Congratulations!
Working with Shane Cook and his team at Rate was an outstanding experience from beginning to end. They helped us secure a mortgage for our second home, and the entire process was seamless. Shane was clear and consistent with communication every step of the way, always keeping us informed and confident throughout.
He gave us a closing date early on—and not only did they stick to it, but everything was thoroughly prepared well in advance. It was one of the smoothest lending experiences we've ever had. We truly appreciate the professionalism, transparency, and efficiency from Shane and his team.
Highly recommend to anyone looking for a stress-free mortgage process!
Response from Owner
My man! Thanks Josh. I really enjoyed working with you as well on the purchase of your vacation home.
Shane made our house buying and loan a seamless process. If you want someone who is super transparent and communicative go to Shane! He always went above and beyond and answered all questions we had through the process! Go with Shane he is one of a kind!
Response from Owner
Wow. That is such a nice review. Thank you so much. I'm very happy everything went smoothly. You have some great weather to move into your new home. Congratulations!
Shane Cook at Rate are FANTASTIC!! Incredible Straight Forward communication to reduce the stress involved in buying a new home. Bottom line, Shane helped us achieve one of our lifetime goals and dreams. Could not be happier with Shane and his TEAM!
Response from Owner
Thank you Brad and thank you for being so great with the loan documentation. I enjoyed working with you and I know you'll enjoy your new beach home for many years to come. ~Shane
Shane Cook at Rate are FANTASTIC!! Incredible Straight Forward communication to reduce the stress involved in buying a new home. Bottom line, Shane helped us achieve one of our lifetime goals and dreams. Could not be happier with Shane and his TEAM!
This was not the easiest loan to close due to the fact that it was a historical house and a few other items. The team persisted as we were all jumping through hoops for the underwriter.
MMichele D.
Shane was outstanding. So was Kerrie. Really great to work with, very responsive, couldn't have been happier with the experience.
SSteven C.
They did a great job
SStephen C.
Excellent education on the current market, prompt communication and clear understanding of the process.
GGary S.
They were incredible!!!
RRobert M.
Shane and his team made everything seamless.
LLeslie W.
Shane was fantastic to work with. Very responsive and had top notch rates.
Response from Owner
Awesome. Thanks Mark. I'm glad you found our rates competitive. Please don't hesitate to reach out if we may be of assistance in the future.
