Ratings include all 181 reviews. Reviews collected directly from clients are shown only with their permission.
I can’t say enough good things about my experience working with Tom Kerr. From beginning to end, he was professional, knowledgeable, responsive, and genuinely committed to making the entire mortgage process as smooth as possible.
What I appreciated most was his communication and accessibility. He took the time to answer my questions, explain the details, and make sure I felt comfortable and informed every step of the way. Buying a home can be stressful, but having someone you can trust who is always willing to help makes all the difference.
I truly appreciated his dedication, patience, and personal attention. And his team was also professional and communicative. I would highly recommend him to anyone looking for a lender who goes above and beyond. Thank you for making this important milestone such a positive experience!
I love working with this company because they make the experience of buying properties less stressful and it get the job done. They are very patient. and your opinion and your voice matters.
SSparkle F.
I had a great experience working with him throughout the entire mortgage process. He made everything smooth, straightforward, and efficient from start to finish. He was always helpful, easy to communicate with, and made what could have been a stressful process feel simple. On top of being great at what he does, he's just a genuinely nice guy and a pleasure to work with. I really appreciate all his help and would highly recommend him to anyone looking for a mortgage lender!
Response from Owner
Thank you, Reece! I really appreciate your kind words and the trust you and your mom and dad placed in me. My goal is always to help you understand your mortgage options, feel comfortable asking questions, and know what to expect at each step. I’m glad the process felt smooth and straightforward—and I genuinely enjoyed working with you, too!
For first-time homebuyers, the mortgage process can feel unfamiliar, but you don’t have to have everything figured out before getting started. Clear explanations, honest guidance, and a lender who’s easy to reach can make all the difference. Thank you again for your mom's recommendation, and congratulations on your new home! If you ever need anything down the road, my door is always open.
I wanted to thank Tom, Marnie and Kelly for helping us through the process of getting a loan. I recommend Tom and the team from Guaranteed Rate.They made everything go so smooth. They were friendly and professional.Tom was always available to answer calls texts and any questions we had. Thank you so much for going above and beyond. We love our new home.
Response from Owner
Thank you so much for the kind words! Marnie, Kelly and I truly appreciate your trust in us and your recommendation. Buying a home is a big milestone, and I’m glad we could make the mortgage process smooth and keep your questions answered along the way. It means a lot to hear that you love your new home—that’s what it’s all about! Thank you for choosing the Tom Kerr team at RATE. Wishing you many wonderful memories in your new home and reminding me: Mi casa es tu casa.
I bought a house in Harambee (cash), gut renovated it, and rented it over the course of 2 years. I was in contact with Tom every 6 months over that period checking in on interest rates. I wasn't in any rush to refinance and get my money back, out of the property. He was the first broker I talked to out of maybe a dozen. I'm so proud that he was the one that I was able to close with. He put in some work taking my calls and negotiating my final appraisal.
Response from Owner
Nchinda, thank you for sharing this—and for trusting me throughout your two-year journey. You put so much time, care, and hard work into your Harambee property, and it was a pleasure staying in touch as you renovated, rented it out, and considered when refinancing would make sense for you.
Our check-ins were never about rushing into a loan. They were about understanding your goals, talking through interest rates, and moving forward when you felt ready. I’m glad our local team could support you and that we worked through the appraisal questions together to bring your refinance across the finish line. Which looking in the rear view mirror, our unique technology created a trusted environment so you could lock before the rates went up!!
Knowing you spoke with so many mortgage brokers makes your decision to work with me especially meaningful. It’s been rewarding to see your hard work pay off, and I’m grateful to have been part of this next step with your Milwaukee investment property.
Tom was excellent to work with from start to finish for our first time homebuying experience. He answered any questions we had in a way that was easy to understand, and was willing to work funky hours to accomodate our work schedules. Couldn't recommend him enough for your future home loan!
Response from Owner
Thank you so much for the kind words, Sean! Working with you on your first home purchase was an absolute pleasure. My team and I are thankful we could make the mortgage process clear and work around your busy schedule—that’s part of being there for you from start to finish. We found out that our clients need us after hours to help make large decisions. I truly appreciate your trust and recommendation. Congratulations on your first home, and enjoy making it your own!
Tom has been wonderful to work with! Great communicator and very efficient!
Response from Owner
Sydney, it was a genuine joy working together on your home purchase. Our entire team loved helping you reach this milestone, and I'm so glad our communication made the process smooth. If you ever know anyone looking for similar guidance, we'd be honored if you kept us in mind.
Tom does a great job working with you to put in strong offers as you're home shopping and get your loans to close! With the way the housing market is in 2026, he'll let you know what you (and he) can do to make your offer as appealing to listing agents as possible. He's responsive and very friendly.
Response from Owner
Zac, working alongside you through the home shopping journey was an absolute pleasure. In today's market, having a strong strategy makes all the difference, and your dedication truly helped secure the win. I hope you're settling in wonderfully, and please don't hesitate to reach out whenever you need anything down the road!
Very knowledgeable and responsive to any questions and concerns I’ve come across. Tom Kerr was very patient guiding me throughout the process. I’m very grateful and pleased with my new home purchase!
Response from Owner
SkillyBoopBop123, it was a true pleasure guiding you through your new home purchase. I'm thankful you recognized our team was patient and could answer all your questions and still moved quickly through the process to close on your new home smoothly! Enjoy every moment in your new property!
Tom and his team were awesome to work with! From getting us the perfect rate to always being there when we had questions. They were always perfectly clear on what we had to do and get done. Great team to work with made everything seamless and a joy to work with!
Response from Owner
Thank you so much for the wonderful review. It was a pleasure working with your family and helping you navigate the home loan process with a strategy tailored to your goals. Every client’s situation is different, and we take pride in providing thoughtful guidance, clear communication, and the kind of personalized mortgage planning that helps our clients make confident decisions.
The Tom Kerr team focus is not just on getting to the closing table, but on identifying the right mortgage solution, securing competitive financing, and making the entire experience as smooth and stress-free as possible. We’re truly grateful for the trust you placed in us to help with your home financing, and we’re honored to have been part of such an important milestone for your family. Congratulations again, and thank you for allowing us to be part of your journey.
I gave guarantee rate that rating because Tom and his entire team did such an amazing job walking me through the process of buying my first home and all of the financial aspects within first time home buying. I am very grateful for Tom’s knowledge to be able to answer all of my questions and help me feel comfortable with my questions the entire time. MJ helped walk me through the entire process along with Tom. She was very kind and helpful the entire time for when I had questions. Marnie was very on top of everything we needed to do to finally see the finish line. She was very specific on the tasks I needed to do and explained anything to me I didn't understand. Everyone was very kind and took their time to talk to me. I would definitely recommend and use them again!
SSamantha S.
Tom Kerr was great to work with!
RRyan P.
No written review
HHugo P.
Very helpful and easy to get a hold of!
RRoberto S.
Tom and his team are fantastic. They are always available to answer questions from start to finish. After we closed on our home they continued reach out and be helpful. I'm glad I went with Tom, he made sure this process was as smooth and transparent as possible.
Response from Owner
Thank you so much for the thoughtful review. It truly means a lot that you trusted me and my team to guide you through your home purchase journey..
Relocating and buying a home can come with a lot of moving pieces, and our goal is always to make the mortgage process feel clear, transparent, and manageable from start to finish. I’m grateful we were able to provide the communication, guidance, and support you deserved — both before and after closing. We so appreciate your service to our country!!
Congratulations again on your new home. It was a privilege to be part of this important chapter, and my team and I are always here whenever you need us.
Tom Kerr
VP of Mortgage Lending
Guaranteed Rate
Tom and his team did an excellent job of getting everything taken care of and even helping clear some hurdles to get my loan approved. Would highly recommend them!
Response from Owner
Thank you so much for the kind review and recommendation! My team and I truly enjoyed helping you through the home loan process and getting your purchase across the finish line.
Every mortgage situation is a little different, and we’re glad we were able to navigate the hurdles, think creatively when needed, and follow through to keep everything moving toward approval. We truly appreciate your trust in us and are grateful we had the opportunity to be part of your home financing journey.
Congratulations again on your new home!
We reached out to Tom when we were in a bit of a time crunch and needed to get things moving quickly. From the start, his communication was excellent. He always kept us updated, answered our questions right away, and really helped take a lot of the stress and worry off our shoulders.
What seemed like a difficult timeline ended up being no problem at all. Tom and his team were able to help get our loan cleared to close in just 14 days, which was incredible.
We are very thankful for all of their hard work and would highly recommend Tom and his team to anyone looking for a lender who is knowledgeable, responsive, and easy to work with. They made what could have been a stressful process feel smooth and manageable from start to finish. Thanks again for helping us get into our new home!
Response from Owner
Thank you so much for the thoughtful review! It was truly a pleasure helping you both with your home loan, especially given the tight timeline and unexpected challenge with your previous lender.
When you reached out just two weeks before closing, my team and I knew how important it was to move quickly, communicate clearly, and find the right mortgage solution without requiring additional money down. I’m so glad we were able to get everything cleared to close in just 14 days and help keep your home purchase on track.
Buying a home can be stressful, especially when surprises come up late in the process, so it means a lot to hear that our communication, responsiveness, and guidance helped make the mortgage process feel smooth and manageable. We’re grateful you trusted us during such an important moment.
Congratulations again on your new home, and thank you for recommending me and my team to others looking for a knowledgeable, responsive, and reliable mortgage lender!
Tom and his team were very good. He did a great job of being creative and helpful to make things work out. He and his team were responsive and helpful in trying to get our loan done. He was a blessing to work with.
Response from Owner
Thank you so much for the kind words. It was truly a pleasure helping you through the home loan purchase process. I’m grateful for the opportunity to be creative, responsive, and solution-focused in helping make everything work out. My team and I always strive to provide clear communication, helpful guidance, and a smooth mortgage experience from start to finish. I really appreciate your trust and am thankful we could be part of your home purchase journey.
We chose the Rate team specifically for their reputation for quick closings, and despite our very tight timeline, they successfully made it happen. Their deep knowledge was evident throughout the process, particularly regarding the unique requirements of our semi-remote property. While the administrative side was occasionally bumpy—with some information requested multiple times—we recognize the ambitious task we set for them. We are incredibly grateful for their hard work and for getting us into our new home on time. All in all, it was a positive experience and we would certainly recommend their expertise.
Response from Owner
Thank you so much, Brittney, for your thoughtful review and for trusting the Tom Kerr Rate team with your home financing. We’re so glad we were able to help you achieve a quick, on-time closing, especially with the unique requirements involved in financing a semi-remote property. Our goal is always to provide knowledgeable guidance, clear communication, and a smooth mortgage process from start to finish. We also appreciate your honest feedback regarding the administrative side of the transaction, as it helps us continue improving the experience we provide. It was a pleasure helping you purchase your new home, and we’re truly grateful for your recommendation of the Tom Kerr Rate team.
(Translated by Google) This is the best place for loans, professional and friendly service, Agent Tom Kerr is the best.
(Original)
Este es el mejor Lugar de Prestamos , Profesional y un trato agradable, el Agente Tom Kerr el mejor .
Response from Owner
Muchas gracias por sus amables palabras y por su confianza. Fue un placer asistirlo con su préstamo. Ha sido emocionante formar parte de su trayectoria para construir su cartera inmobiliaria. Mi equipo y yo nos esforzamos siempre por brindar un servicio profesional, claro y agradable durante todo el proceso. Gracias nuevamente por su recomendación; estoy a su disposición para servirle en el futuro.
Tom & his team went above & beyond! They made my first time home buying experience a complete breeze. They were recommended by my realtor & I’ve recommended them to others since! Marnie helped me get to the closing & answered any & all questions I had.
Response from Owner
Thank you so much for the kind words and for trusting our team with your first home purchase. I’m glad we could help make the process feel easy and stress-free. Marnie does a fantastic job taking care of our clients, and I’ll be sure to share your comments with her. We truly appreciate your referrals and your support — congratulations again on your new home!
They got me into my house with no worries or nothing. They were very nice and educated.
DDawn M.
Tom made the process easy and made sure everything went smoothly. As first time home buyers we had a lot of questions and he always made sure to get them answered!
Response from Owner
Thank you Maddy!! I am very thankful that you found our team helpful as a first time homebuyer and that the process was enjoyable. We look forward to hearing how you make this home. You’re very own. Thank you very much!
Tom made our first time home buying experience seamless for my girlfriend and I! He was very extensive in explaining each step to us and never failing to answer every question we had as first time home buyers! I look forward to recommending friends and family to Tom through the exciting process of purchasing a home! I wouldn’t change a thing if I had to do it again!!
Response from Owner
Thank you Cade for your kind words. I am so thankful that you felt as a first time homebuyer that you received the guidance you needed to make good decisions for you and your future. It will be exciting to hear about how you make this you’re very own. Thank you again for the opportunity to work together.
We recently worked with Rate, and had a great experience working with Tom and his team. They made the process feel smooth and straightforward from start to finish. I had a lot of questions along the way, and Tom was always responsive and helpful in explaining everything clearly. He worked to find a rate that made sense for us, and there were no surprises throughout the process. Overall, a very positive experience! I’d definitely recommend Tom and his team and would happily work with them again.
Response from Owner
Thank you very much Ryan for the opportunity to work with you and your wife. We appreciated the opportunity to help you get in a better financial position with a better interest rate on your mortgage. The questions were very helpful to make sure we were able to consistently keep a clear communication line open between all of us. We look forward to serving your needs in the future. Thank you again for the opportunity to work together!
Tom and his team were fantastic to work with! They took the time to answer all of my questions and made the entire process feel smooth and stress-free. Even with our unique situation, everything was handled flawlessly. Thank you, Tom and team!
Response from Owner
My team and I were thankful to be part of the next chapter for you and your family. It was exciting to see you find a new home near your parents. We look forward to hearing about the memories you will make in your new home. Thank you very much!
Tom and his team were wonderful to work with, responsive to requests by both email and text and had honest answers to any question we brought to the team! We can't say enough about his team working to make sure our quick close stayed on schedule and closed on our closing date per our offer agreement! If you are looking for a team that listens to YOU and not just tells you what they think you want to hear, then look no further; choose Tom and his TEAM, you will not be disappointed! Thank you Tom, MJ & Marnie - YOU ARE THE BEST!!!!
Response from Owner
Thank you very much Lisa for your feedback. It was very rewarding for us to help you and your husband move to this next place to make memories for your family. Thank you for acknowledging our team going the extra mile to meet your timelines. We look forward to hearing about how much you enjoy your new home. Thank you very much.
Tom Kerr was great for us as first time homeowners and helped make the mortage process as straightforward and stress-free as possible. I really appreciated how he listened to our budget constraints up front and didn't try pushing us towards a higher value home we could get approval for, but would end up feeling "house poor" in. The Guaranteed Rate team behind him was also helpful in finding us the best rates on insurance, and set up our escrow account for us, making it a great one-stop spot to do business with. I would highly recommend Tom to any friends going through the home buying process.
Response from Owner
Thanks Brett!!! It was great working together with you and your wife purchasing your first home. We appreciated your cooperation with our team and looking forward to hearing about the memories you make in your very first home. Thank you very much!!
As a first-time home-buyer, working with Tom Kerr was an excellent experience. Tom is knowledgable, patient, and always quick to respond. I would whole-heartedly recommend him to others!
Response from Owner
My team and I enjoyed working with you for your first experience in purchasing a home. Thank you for your kind words. I look forward to hearing about the memories you’re making in your new home. Thank you very much!
I was the listing Realtor on the selling side of a home that Tom’s clients were purchasing. He was very professional, communicative and stayed on top of deadlines. Not all lenders are the same. Tom provided exceptional service for both his clients and my seller. Very grateful for him, and I recommend him!
Response from Owner
We appreciated the opportunity to work together. Thank you for trusting us to deliver a successful experience. We look forward to the opportunity in the future! Thank you very much!
As a second time home buyer using RATE as my lender made the whole condo buying process easy. Tom Kerr was very patient with me and walked me through every step of the way. Tom was always available to answer any questions I had morning, noon and night. I felt I was in very good hands. I would highly recommend using RATE!
Response from Owner
We so appreciated the opportunity to work with you. We hope you have wonderful memories starting this new chapter of your life. My team and I appreciate your cooperation and your kind words of our hard work. Please keep in touch!
Tom did fantastic job from start to finish for our loan. He got our loan approved in 2 weeks, that is a lightning speed. We definitely recommend him to anyone who need to buy the house, you'll not be disappointed.
Response from Owner
It was a pleasure to work with you and your family as you took your next step take care of your family. My team appreciated your acknowledgement of our speed and execution. Congratulations on your new home!!!
Tom Kerr and his entire team have been top rate professionals throughout our home buying experience. They provided easy to understand instructions at each phase of the process and we have nothing but nice comments to share about each of them. We thank you all for your professionalism.
Response from Owner
We really appreciated working with you and your wife. I’m glad we could be part of the enjoyable experience to move back to the area. We look forward to hearing about you making memories in your new home. Thank you very much!
My experience was excellent. Tom always got back to me on a timely manner. It didn’t matter what time I called. He always responded either by text or call. The transition was very rewarding for me. Thank you so much for everything your did Tom.
Response from Owner
We so appreciated serving you and your family. We hope you make wonderful memories in your new home. Congratulations on taking a big step to the next season of your life!!
As a first-time home buyer, Tom Kerr and his team at Rate were by my side throughout the entire process—from finding the perfect home to navigating closing and beyond. Even after the deal was done, they were quick to answer any lingering questions I had. Their top-quality expertise and exceptional service made what could have been a daunting experience truly seamless and enjoyable. Highly recommended!
Response from Owner
It was a pleasure for my team and I to work with you as you purchased your first home. It was exciting to see you. Take this great step for your future. We enjoyed answering your questions and being your guide! Enjoy making memories in your new home!
Working with Tom and his team was an incredible experience. They were attentive, patient, and supportive from start to finish. Every step of the process was handled smoothly, and I always felt like I had someone walking with me and advocating for me. I absolutely recommend them to anyone looking for a reliable and caring team.
Response from Owner
Thank you for highlighting our team’s attentive, patient support. We're honored you felt advocated for throughout the process, Cynthia. We look forward to hearing about your memories in your home starting with the Holidays!
Tom was great to work with! He was realistic and responded timely to our questions or concerns. We will be working with him again and I would recommend him to others.
Response from Owner
We enjoyed working with both of you on your 1st home purchase. We are excited for you to settle in time for the Holidays!! We look forward to working together in the future!!
Tom and his team were a pleasure to work with! They explained everything along the way and were very communicative and efficient. Tom was extremely responsive and always available via phone. Highly recommend!
Response from Owner
Thank you for your review! We appreciated your trust in adding to your rental real estate portfolio!! Thank you for your cooperation and look forward to working together in the future.
Tom is a blessing to work with. He is friendly, fair, responsive and reliable!
Response from Owner
Thank you for your kind words Amanda. My team and I really appreciated your loyalty. We look forward to hearing how you fix up your new places. Please send pictures and let us know about your family memories you make in your new home! Thank you very much!
Tom was amazing to work with. Always made himself available for me to answer any questions or concerns I had. Would highly recommend him to anyone looking for a lender.
Response from Owner
We appreciated your trust and confidence in making your first home purchase. You were willing to take a risk and step into a new environment. We hope this this property will be the beginning of many new open doors in your life. Thank you for trusting us!
