Al Esposito

10/10

Oct 31, 2026

Very easy to work with and very professional. Especially for first time buyers guaranteed rate and Alex made it very easy for us and any questions we had he’s just a call away.

Oct 29, 2026

Al helped my husband and I with our first mortgage in Millstone, NJ. His team was incredibly knowledgeable and supportive throughout the entire process, answering every question we had. Being first time homebuyers, we were very uneducated on how the mortgage process works, that didn’t matter to Al and his team - they made the entire process super easy and helped us understand a lot of the nuances to everything. Above all, he and the entire team are very friendly and easy to talk to. They were very understanding of our busy work schedules and took a lot of the stress out of the process. Would absolutely recommend to anyone!

Oct 29, 2026

Everyone at Guaranteed Rate was exceptional in helping us obtain our loan. Al, Karen, and Vincent were just a few people who we spoke to the most and they were always extremely helpful, kind, and on top of things. They made this process so easy for us and we plan to always use them in the future! Thank you Al and your team for everything, we appreciate you!

Oct 14, 2026

We worked with Al Esposito and his team on the mortgage for our new home and couldn't have been happier with the experience. What really stood out to us was how responsive Al was and how much effort he put into making sure we understood every step of the process. He has a great way of explaining things clearly and simply, and his personalized explanatory videos were an especially nice touch. Rather than just sending over documents or numbers, he took the time to walk us through everything, explain our options, and make sure we knew what to expect. Al and his team were always quick to respond, easy to work with, and incredibly organized. Buying a home can be stressful, but having someone who communicates so well and genuinely takes the time to answer questions makes a huge difference. We really appreciated everything Al and his team did for us and would absolutely recommend them to anyone looking for a mortgage.

We had a wonderful experience working with Al Esposito and his team to finance our home purchase. Al was fantastic throughout the entire process. He was always responsive, patient with our questions, and particularly good at explaining each step along the way. One thing we especially appreciated was his use of short explanatory videos to walk through mortgage details, numbers, and next steps. It was a thoughtful and effective way to communicate, and it made the entire process much easier to understand. Al was also very accessible whenever questions came up, and we never felt like we were left wondering where things stood. His team was equally professional and helpful, and everything was handled smoothly from beginning to end. It's clear that Al takes pride in his work and cares about making the mortgage process as straightforward as possible for his clients. We'd happily work with him again and wouldn't hesitate to recommend him.

Oct 6, 2026

We had a great experience working with Alfonso as our lender. He was incredibly helpful throughout the entire process, always available to answer our questions and explain everything clearly. He was knowledgeable, patient, and kept us informed every step of the way. Thanks to Alfonso, the entire process was very smooth and stress-free, and we were able to close on our home in just one month! We truly appreciate all of his hard work and dedication. I would highly recommend Alfonso to anyone looking for a reliable, knowledgeable, and trustworthy lender!

Oct 5, 2026

Al was great to work with. He was very diligent and did a great job keeping me apprised of my status. When some complications arose he came up with creative solutions to get the process to the finish line. I can't recommend him enough!

Sep 28, 2026

Al was a pleasure to work with throughout our entire home buying experience. His proactive communication is top notch with phone calls, emails, and personalized videos explaining each step of the process clearly. Al and his team were exceptional at moving things along swiftly ensuring that we had a stress-free and smooth closing. In addition to his professionalism, Al shows genuine care for his clients which was greatly appreciated. We highly recommend working with him!

Al explained or filled in needed information to get us to understand the process improving on what we knew or thought we knew about mortgage end of buying a house. His suggestions saved us hundreds a month where others wanted bloodied wanted to help.

Sep 25, 2026

I had an exceptional experience working with Al Esposito at Guaranteed Rate. From start to finish, the service was outstanding. Al was extremely responsive, always prompt in returning my phone calls and took the time to answer every question I had along the way. I truly appreciated having someone who was there with me every step of the process and made what can be a stressful experience feel much easier. Al's professionalism, communication and dedication far exceeded my expectations. I would highly recommend Al to anyone looking for a mortgage lender. Al genuinely cares about his clients and goes above and beyond to provide excellent service.

Sep 25, 2026

Al helped us throughout the whole home-buying process. He is so knowledgeable and provided us with lots of information each step of the way. He definitely made us feel comfortable as first-time homebuyers. Highly recommend!!

Sep 24, 2026

I could not have been more satisfied with my experience working with Al throughout the entire mortgage process. He was professional, responsive, and made what can be a stressful process feel completely seamless. I highly recommend Al to anyone looking for a knowledgeable and trustworthy lender!

Sep 18, 2026

Working with Al Esposito and his team was a pleasure! He kept me up to date every week about status and what I needed. We needed to close as soon as possible, his team got everything done in a matter of weeks.

Sep 16, 2026

5 stars! Al Esposito was absolutely fantastic to work with throughout our home-buying process. He was incredibly responsive, knowledgeable, and always took the time to explain everything clearly and answer all of our questions. Buying a home for the first time can be stressful, but Al made the mortgage process feel straightforward and manageable from start to finish. He kept us updated every step of the way and was always available whenever we needed him. We truly felt like he had our best interests in mind and was just as invested in getting us to the closing table as we were. I would highly recommend Al to anyone looking for a mortgage lender, especially first-time homebuyers. We couldn’t have asked for a better experience!

5 stars! Al Esposito was absolutely fantastic to work with throughout our home-buying process. He was incredibly responsive, knowledgeable, and always took the time to explain everything clearly and answer all of our questions. Buying a home for the first time can be stressful, but Al made the mortgage process feel straightforward and manageable from start to finish. He kept us updated every step of the way and was always available whenever we needed him. We truly felt like he had our best interests in mind and was just as invested in getting us to the closing table as we were. I would highly recommend Al to anyone looking for a mortgage lender, especially first-time homebuyers. We couldn’t have asked for a better experience!

I had an exceptional experience working with Al Esposito at Guaranteed Rate. From start to finish, the service was outstanding. Al was extremely responsive, always prompt in returning my phone calls and took the time to answer every question I had along the way. I truly appreciated having someone who was there with me every step of the process and made what can be a stressful experience feel much easier. Al's professionalism, communication and dedication far exceeded my expectations. I would highly recommend Al to anyone looking for a mortgage lender. Al genuinely cares about his clients and goes above and beyond to provide excellent service.

Sep 13, 2026

Could not have had a better experience working with Al and his team. Highly recommend! Thank you for everything!

Sep 12, 2026

No written review

Sep 11, 2026

My lending experience with Al Esposito was exceptional. He was very responsive, thorough & made sure I completely understood the entire process. I received the funding I needed super fast. I can't recommend him enough!

Sep 11, 2026

I can’t express the amount of gratitude and appreciation I have from working with Al & Karen. Al and Karen are available every hour of the day and will make the process seamless. Even when hitting a few road blocks, Al and Karen will sort everything out. I cannot recommend working with them enough, they are a fantastic team and you will not regret one moment.

As a first time homebuyer, the process is extremely confusing and overwhelming. Because we worked with Al and Karen, the process was nothing less than seamless. I cannot recommend working with these two enough. Communication is huge for me and they excel in this department. I was recently married and the team made sure my recent name change was not issue by going the extra mile. I can’t thank these two enough and you have our business forever now.

I can’t recommend Al Esposito enough for your lending needs. He & Karen were accessible & responsible & he made sure I understand the process. Everything went smoothly & quickly. Thanks again for the exceptional service!

Sep 10, 2026

Al and his team have been nothing short of incredible throughout our mortgage process, being the smoothest part of the whole home buying process, would definitely recommend to any of our friends and family going forward!

Al and his team have been nothing short of incredible throughout our mortgage process, being the smoothest part of the whole home buying process, would definitely recommend to any of our friends and family going forward!

Sep 5, 2026

Al was great. He clearly cares and makes everything as easy as possible.

Sep 3, 2026

Fantastic working with Al and the team. The communication and detail provided was first rate! We very much appreciated all the help with what could have been a complicated process

As a first-time homebuyer, working with Al and his team made the entire loan process incredibly quick and stress-free from start to finish. I really appreciated how clearly each step was explained through phone calls, texts, and helpful video explanations. Alfonso Esposito and his team were extremely responsive to all of my questions along the way. Their communication made the experience smooth, transparent, and easy to follow. I highly recommend Al and his team to anyone looking to buy a home—thank you for the exceptional service!

Aug 26, 2026

My wife and I closed on our new home in Basking Ridge today, and it’s honestly hard to put into words how positive our experience was working with Al and his team! From the first call I knew Al was who I wanted to work with. We weee first time buyers, and he explained everything so thoroughly and had videos to go along with every conversation. Al made our dreams come true with this house and I can’t thank him, Erica, Karen, and the rest of the team enough for all their help and guidance along the way!

Aug 21, 2026

My wife and I just closed on our first home and thanks to Al the whole process from getting our pre-approval to having our loan fully funded couldn’t have gone any smoother! Al is awesome because he does a lot of work on the front end to make sure underwriting is a breeze. Al consistently updated us along the way as to what was happening each week. Thank you Al!

Aug 18, 2026

Al’s team was seamless to work with as two clueless first time homebuyers. They were there to help through every step. Al takes the time to make sure you truly understand everything and we especially appreciated his follow-up phone calls throughout the process. He is extremely accessible via phone calls and texting, even answering after business hours and on the weekend. He expedited our closing and we were able to close within our 30 day goal. The videos and resources he provides are unmatched and we could not have done this without his expertise and guidance! We highly recommend his services to anyone buying a home!

Aug 14, 2026

We've done several mortgages through Al and would never use anyone else! From start to finish, the entire process was smooth, professional, and stress-free. Al and Karen are incredibly knowledgeable, responsive, and always available to answer my questions and keep me updated every step of the way.

Aug 14, 2026

Al and his team are fantastic to work with. We have done 2 properties with him and both experiences we great.

Al’s team was seamless to work with as two clueless first time homebuyers. They were there to help through every step. Al takes the time to make sure you truly understand everything and we especially appreciated his follow-up phone calls throughout the process. He is extremely accessible via phone calls and texting, even answering after business hours and on the weekend. He was able to expedite our closing and we were able to close within our 30 day goal, all while getting the best rate possible. The videos and resources he provides are unmatched and we could not have done this without his expertise and guidance! We highly recommend their services to anyone buying a home!

Aug 12, 2026

An Exceptional Mortgage Team That Truly Cares!!!! My husband and I cannot say enough wonderful things about the Al Esposito Team at Guaranteed Rate Affinity. From our very first interaction with Al and Karen, we knew we were in great hands and had made the right decision. Buying a home can be one of the most exciting yet daunting experiences, but Al and his entire team made the process feel seamless, easy, enjoyable, and completely stress-free. Al and his team truly went above and beyond to make sure we received the best possible deal and a mortgage rate that we felt comfortable with. Their knowledge, professionalism, and attention to detail gave us complete confidence every step of the way. Vince, Angela, and David only added to what is clearly a phenomenal team. Each person was responsive, kind, knowledgeable, and genuinely invested in helping us reach our goal. What stood out most was how much they truly care about their clients. The follow-up calls, regular check-ins, quick responses to our questions, and the way they kept us informed throughout the entire process made us feel supported from beginning to end. They are the epitome of thorough, and it shows in everything they do. We are still in awe that our home-buying experience went so smoothly and that we were able to purchase our new home with absolutely zero hiccups. We are beyond grateful to have had this team in our corner, advocating for us and making sure everything was handled with care and precision. If you're looking for a mortgage team that is highly professional, incredibly knowledgeable, kind, personable, and truly dedicated to their clients, look no further than the Al Esposito Team at Guaranteed Rate Affinity. I promise you will not regret choosing them. Thank you, Al, Karen, Vince, Angela, and David, for your hard work, dedication, and for helping make our dream of owning our new home come true. We will always be grateful for everything you did for us!

Aug 12, 2026

Alfonzo and his team were with me every step of the way. They made the process as painless as possible. Less than 2 weeks from the initial application to loan approval. I highly recommend them.

After weeks of getting nowhere with my bank of 40 years, I was given Alfonzo Esposito’s contact information. Alfonzo and his team were with me every step of the way. They made the process as painless as possible. Less than 2 weeks from the initial application to loan approval. I highly recommend them

My husband and I cannot say enough wonderful things about the Al Esposito Team at Guaranteed Rate Affinity. From our very first interaction with Al and Karen, we knew we were in great hands and had made the right decision. Buying a home can be one of the most exciting yet daunting experiences, but Al and his entire team made the process feel seamless, easy, enjoyable, and completely stress-free. Al and his team truly went above and beyond to make sure we received the best possible deal and a mortgage rate that we felt comfortable with. Their knowledge, professionalism, and attention to detail gave us complete confidence every step of the way. Vince, Angela, and David only added to what is clearly a phenomenal team. Each person was responsive, kind, knowledgeable, and genuinely invested in helping us reach our goal. What stood out most was how much they truly care about their clients. The follow-up calls, regular check-ins, quick responses to our questions, and the way they kept us informed throughout the entire process made us feel supported from beginning to end. They are the epitome of thorough, and it shows in everything they do. We are still in awe that our home-buying experience went so smoothly and that we were able to purchase our new home with absolutely zero hiccups. We are beyond grateful to have had this team in our corner, advocating for us and making sure everything was handled with care and precision. If you're looking for a mortgage team that is highly professional, incredibly knowledgeable, kind, personable, and truly dedicated to their clients, look no further than the Al Esposito Team at Guaranteed Rate Affinity. I promise you will not regret choosing them. Thank you, Al, Karen, Vince, Angela, and David, for your hard work, dedication, and for helping make our dream of owning our new home come true. We will always be grateful for everything you did for us!

Aug 8, 2026

I've used Al for 5 different property purchases now, and never have, and never would look anywhere else. His expertiseness, thoroughness, constant communication, and pro-activeness simply make him and his team the absolute best to work with.

I've used Al for 5 different property purchases now, and never have, and never would look anywhere else. His expertiseness, thoroughness, constant communication, and pro-activeness simply make him and his team the absolute best to work with.

Aug 6, 2026

I highly recommend Al Esposito at Guaranteed Rate Affinity. He was always available, gave us great resources and explained everything along the way. We needed a quick turnaround and he made the process worked smoothly and made sure all was in place for our closing. His YouTube videos are great, explaining all the steps in layman’s terms. Overall, it was an amazing experience!

Aug 4, 2026

Working with Al Esposito was an outstanding experience. From the very beginning to the very end, Al was incredibly hands-on and always available to guide us through every step of the loan process. He took the time to answer all of our questions, kept us informed, and made what could have been a stressful experience feel seamless and easy. His professionalism, knowledge, and dedication gave us complete confidence throughout the process. We truly felt like he had our best interests at heart and went above and beyond to help us secure the loan for our new home. We are incredibly grateful for everything Al did for us and would highly recommend him to anyone looking for a lender who genuinely cares about their clients. Thank you, Al, for making our dream of homeownership such a smooth and enjoyable experience!

Aug 2, 2026

Al is a true professional in this industry. We were first time home buyers and Al was always proactive, every step of the way. We had some challenges with the property we were purchasing, and Al kept us informed of all of our options to keep funding our mortgage. I cannot say enough positive things about our experience with Al and his colleagues. Thank you.

Aug 1, 2026

I highly recommend Al and his team. We needed a mortgage to close on a house in 21 days. Most lenders take 30-45 days, but Al's team got us cleared to close in just 15 days. At the start of the process we found out our credit scores had dropped unexpectedly due to a recent credit card purchase. The purchase had already been paid off but the credit agencies hadn't received the updated data yet. Al was able to solve the issue for us by covering the cost of a rapid refresh which allowed our scores to recover (at no cost to us) so that we could get the best possible mortgage rate. Throughout the process Al was professional and responsive. We would gladly work with him again.

Jul 24, 2026

Working with Al Esposito throughout our home-buying process was one of the best decisions we made. From helping us get pre-approved for our mortgage to walking us through a bridge loan option, Al was incredibly knowledgeable, patient, and always willing to take the time to answer our questions. What stood out most was how generous he was with his time. We never felt rushed or like we were asking too many questions. Buying a home can be overwhelming, but Al made the entire financing process feel manageable and straightforward. My husband is naturally very skeptical when it comes to financial professionals, but he trusted Al completely and valued his advice every step of the way. That says more than anything else I could write. If you’re looking for someone who is honest, responsive, experienced, and genuinely invested in helping you make the best financial decisions, I cannot recommend Al Esposito highly enough. We are incredibly grateful for everything he did to help us get into our new home

Working with Al Esposito throughout our home-buying process was one of the best decisions we made. From helping us get pre-approved for our mortgage to walking us through a bridge loan option, Al was incredibly knowledgeable, patient, and always willing to take the time to answer our questions. What stood out most was how generous he was with his time. We never felt rushed or like we were asking too many questions. Buying a home can be overwhelming, but Al made the entire financing process feel manageable and straightforward. My husband is naturally very skeptical when it comes to financial professionals, but he trusted Al completely and valued his advice every step of the way. That says more than anything else I could write. If you’re looking for someone who is honest, responsive, experienced, and genuinely invested in helping you make the best financial decisions, I cannot recommend Al Esposito highly enough. We are incredibly grateful for everything he did to help us get into our new home

If you're buying a home and need a mortgage broker, stop looking and call Al Esposito at Guaranteed Rate. Buying our home was by far the biggest purchase we've ever made, and naturally there were plenty of moments where we had questions or just needed reassurance. Al was there every single time. Whether it was a quick phone call, a late-night text, or explaining something for the third time because we wanted to fully understand it, he never once made us feel like we were a burden. What stood out most was that it never felt transactional. It genuinely felt like Al and Karen were in our corner, rooting for us from day one. They cared just as much about getting us into our dream home as we did, and that made all the difference. Al knows this business inside and out, but what impressed me even more was how much he cares about the people behind the loan. He's honest, responsive, incredibly organized, and somehow manages to make a process that everyone says is stressful feel surprisingly smooth. Our deal had a lot of moving parts, and I honestly can't imagine going through it with anyone else. Every time something came up, Al already had a solution or a game plan. That kind of confidence is invaluable when you're making one of the biggest financial decisions of your life.

Jul 21, 2026

If you're buying a home and need a mortgage broker, stop looking and call Al. Buying our home was by far the biggest purchase we've ever made, and naturally there were plenty of moments where we had questions or just needed reassurance. Al was there every single time. Whether it was a quick phone call, a late-night text, or explaining something for the third time because we wanted to fully understand it, he never once made us feel like we were a burden. What stood out most was that it never felt transactional. It genuinely felt like Al and Karen were in our corner, rooting for us from day one. They cared just as much about getting us into our dream home as we did, and that made all the difference. Al knows this business inside and out, but what impressed me even more was how much he cares about the people behind the loan. He's honest, responsive, incredibly organized, and somehow manages to make a process that everyone says is stressful feel surprisingly smooth. Our deal had a lot of moving parts, and I honestly can't imagine going through it with anyone else. Every time something came up, Al already had a solution or a game plan. That kind of confidence is invaluable when you're making one of the biggest financial decisions of your life.

Jul 19, 2026

Alfonso and the Esposito Team provided exceptional mortgage and finance service to my wife and I. There were multiple delays and challenges in our home purchase. Alfonso was committed to our goal and made sure we had every possible advantage. In every step of a stressful process, Alfonso was patient and fully communicative with our entire side of the purchase. Alfonso’s industry experience, total transparency, and dedication to customer service makes the Esposito Team the only choice for us in the future.

Alfonso and the Esposito Team provided exceptional mortgage and finance service to my wife and I. There were multiple delays and challenges in our home purchase. Alfonso was committed to our goal and made sure we had every possible advantage. In every step of a stressful process, Alfonso was patient and fully communicative with our entire side of the purchase. Alfonso’s industry experience, total transparency, and dedication to customer service makes the Esposito Team the only choice for us in the future.

Jul 8, 2026

Al and his team were extremely helpful and knowledgeable throughout the process. From our initial call to closing, Al was very responsive and attentive. We appreciated having him in our corner!