Chris Kelso

Aug 17, 2026

I had an outstanding experience with Chris Kelso and his team at Guaranteed Rate! From the moment Chris took over my mortgage file, he and his team were responsive, knowledgeable, professional, and completely focused on getting me to the closing table. After experiencing significant delays with another lender, Chris and his team stepped in and successfully moved my loan from application to closing in approximately two weeks. The difference in communication, organization, urgency, and overall handling of my file was remarkable. I was kept informed throughout the process, my questions were answered promptly, and I always felt confident that Chris and his team understood exactly what needed to be done to keep everything moving forward. Most importantly, they delivered. I was able to close on my new home, and what had previously been an extremely stressful mortgage process became organized and manageable once Chris and his team became involved. I am extremely grateful to Chris Kelso and everyone on his team who worked behind the scenes on my file. Their professionalism, expertise, responsiveness, and commitment to their clients truly stood out. I would absolutely recommend Chris Kelso and Guaranteed Rate to anyone looking for a mortgage lender, and I would not hesitate to work with them again in the future. Five stars and a very well-deserved 10/10 recommendation from me!

Their fast service, and communication level, friendly customer service, not the best interest rate.

May 1, 2026

As a real estate agent, I really appreciate lenders who can execute, and Chris and his team delivered. They were able to get our deal closed in just 3 weeks, which helped us meet our timeline without any issues. Strong team behind him and gets the job done. I’d definitely recommend Chris to anyone looking for a lender who can close.

As a real estate agent, having a lender who is both professional and can execute is everything—and Chris and his team delivered. They got our deal closed in just 3 weeks, helping us stay on track and close on time. Chris and his team showed a high level of professionalism and knowledge throughout the transaction and got the job done. He’s someone I feel confident referring my clients to.

Great service Chris Kelso was outstanding

Chris was great. He definitely advocated for us as a client and worked hard to ensure the best experience. I very much appreciate him and his team for all of their hard work, coaching, and push through to make our home buying experience happen. If I had one thing to give real feedback on, I would encourage Rate.com as a whole to be more communicative with their clients. There were situations and times where I was unable to reach the team. Rate.com and its employees do this every day; for an uncommon home buyer, this was a very stressful experience, and more communication would have helped subdue the anxiety.

The Rate team was great to work with for the purchase of my beach house. Chris Kelso orchestrated everything so well with his team which made the process of buying a home easy. Avelina Graham was such a delight to have as my realtor. She went over and beyond to help me find the ideal home. She communicates with her clients and proves to have so much knowledge in the industry. I highly recommend Rate and if I could give them more than 5 stars I would!

Transition was very smooth

Dec 16, 2025

Answered all/any of our questions we had, quick response!

Excellent experience! Responsive, transparent, and incredibly helpful from start to finish. I felt confident and well-supported the whole way through. Highly recommend this lender!

Very smooth transaction

Jul 25, 2025

Professional staff

For the most part, the whole process was flawless and straightforward and easy.

Mar 13, 2025

Chris was amazing helping us through the mortgage approval process. He was attentive and understanding throughout the few weeks it took to get everything together and was always available to answer questions whether by phone, email, or text. Definitely glad we used Chris and Rate and we'd do it again!!

Feb 24, 2025

I am a first time home buyer and was clueless about the entire process. Chris was patient and kind and walked me through every step. He even took my calls on a Sunday. I am please with the service I was given and very grateful for the follow up emails and calls to ensure I am please with my purchase, THANKS CHRIS!

Feb 15, 2025

Chris Kelso and his team at Rate.com, work really hard in successfully closing on the date that I needed. They stay with you all the way, guiding you...great job yall!

Feb 12, 2025

Chris always demonstrates professionalism and is extremely knowledgeable with the different loan programs available. This is where top level benefits come in when you have a highly experienced loan officer backed by an exceptional company.

Feb 12, 2025

Best mortgage company to work with. Amazing Technology and Rates. Highly Recommend.

Great customer service, prompt answers to all questions I had.

The correspondence was great. The information and timing was perfect. Every9ne was responsive and clear, and the information via the app was very convenient. I would recommend you anytime.

Chris Kelso went above and beyond providing us the financial support we needed to buy our home. Not only he made himself available every time we needed his guidance, but we were able to close in 15 days!!! Highly recommended, he's a great guy.

Amazing AS ALWAYS! Chris NEVER disappoints and he topped all of that first class service off with his attendance at the closing! A smooth transaction with an ON TIME CLOSING every time! Thanks Chris Kelso and Rate mortgage!

Chris is the consummate loan officer! Communication was excellent and the transaction went very smoothly. Thank you Chris!

Chris, Robert and Anna are truly The Dream Team✨️ I would highly recommend and will be contacting them for our next investment. 🏡

As usual Chris and his team were great!!! Looking forward to doing more business together.

Great professionalism

Over the past ten plus years, Chris Kelso and his team have successfully and seamlessly facilitated and completed mortgage transactions for my valued real estate clientele. Chris has demonstrated a true commitment to serving clients with over two decades of mortgage knowledge and adaptation in navigating the ever-changing landscape of mortgage banking along with personal attention to the client’s needs regardless of the complexity. They are not just a mortgage banker; they are a trusted advisor, a problem-solver, and often a friend to those they serve. I wholeheartedly recommend Chris Kelso for any individual or family seeking mortgage services. Michael Roddy, REALTOR