Paul Zgalich

Nov 9, 2026

No written review

10/10

Nov 2, 2026

Very helpful team. Explained things that I did not understand. Made the process much easier for me.

Nov 2, 2026

No written review

Oct 17, 2026

I had a great experience working with Paul and his team throughout my loan process. They were extremely professional , responsive and supportive at every stage. Paul took time to explain each step clearly, patiently answered all my questions and made the entire process stress-free. The team also helped me secure a very competitive interest rate which made the experience better. I truly appreciate their dedication, transparency and commitment to providing excellent customer service. I highly recommend Paul and his team to anyone looking for a reliable and professional lender for their home purchase. Thank you Paul and the entire team, for making my home-buying journey a positive experience.

Sep 21, 2026

Working with Paul's team was an excellent experience!

Aug 28, 2026

I’ve used Rate twice now, and both times the staff was more than willing to help with everything we needed. Paul and his team made this whole process super easy and took a lot of the stress off our shoulders.

Aug 24, 2026

Highly recommend. These guys can think out of the box and deal with non-traditional assets and income. Paul is great to work with. JEA

Aug 2, 2026

Rate got the job done for us- they were all very helpful & worked to meet our short deadline. Rate Concierge was also super helpful in assisting me with the utility research.

Aug 2, 2026

As first time homebuyers, we truly couldn't have asked for a better mortgage team. Everyone at Rate Mortgage made what could have been a stressful process feel so much easier. They were always quick to answer our questions, explained everything in a way we could actually understand, and kept us updated every step of the way. We always felt supported and knew they had our best interests in mind. Their communication, professionalism, and kindness made all the difference. We are so grateful for everything they did to help us get into our first home, and we would absolutely recommend Rate Mortgage to anyone looking to buy a home!

Jul 22, 2026

Everything went smoothly!!! Staff were friendly and efficient. Refinanced in 11 days with a great rate. Awesome thanks!!!!

Jul 3, 2026

Rate.com Mortgage company. Such an easy process and Paul was amazing. I highly recommend 👍👍👍👍

Jun 27, 2026

Paul and the entire team at guaranteed rate made my first home purchase simple. Always responsive, available to answer all questions with certainty and made the closing process painless. Thank you!

Considering the short turn around time to close and that I was out of the country, the team worked hard at working with me with gentle reminders to the finish line. Enjoyed working with them.

No written review

It was a well thought out and executable process

The team was very helpful in us making this all come together in a tight closing timeline. I appreciate the collective efforts!

Because they were awesome

I was able to communicate with my loan manager any time of day by email or phone call.

Great service and communication; recognition of importance of deadlines; Ease of closing process.

Everything was easy and smooth. Great communication

No written review

No written review

Easy to work with and great communication

They were wonderful, professional, did better than other big companies

No written review

They were very patient, thorough and kind - great for a first time homebuyer

Adam was great and easy to work with

Prompt response and follow-up

Adam was very knowledgeable and responsive during the entire process.

Jun 7, 2026

We cannot say enough good things about Paul Zgalich and his team at Rate. As first-time homebuyers, the mortgage process felt overwhelming at times, but Paul and his team made everything incredibly smooth, stress-free, and easy to understand from start to finish. They were always available to answer our questions, kept us informed throughout every step of the process, and worked tirelessly to help us secure financing for our dream home. Their communication, professionalism, and dedication exceeded our expectations. What stood out most was how much they genuinely cared about helping us achieve our goal of homeownership. Thanks to Paul and his amazing team, we are now settling into the home we’ve always dreamed of, and we couldn’t be more grateful. If you’re looking for a mortgage team that is knowledgeable, responsive, and truly invested in your success, we highly recommend Paul Zgalich and the team at Rate⁠! Thank you for helping make our dream a reality!

Jun 5, 2026

Working with Paul when the members of Rate was extremely easy. I felt like I had an open line at any time of the day any day of the week they always responsive. Always friendly and really helped me get what I needed done done efficiently with all the help that I needed it.

May 22, 2026

Paul at Rate was efficient. The team was very pleasant to work with and did everything possible to ensure a smooth process. They were also available to text and talk. I recommend them to anyone.

May 14, 2026

Paul and his office at Rate were incredible to work with! They made the entire process easy and smooth for us and we are so grateful for that! I highly recommend everyone from the Rate office to work with!!! Could not of been happier with the whole process of buying a home!

May 12, 2026

I am a realtor, and this morning I closed on the purchase of a home for my family. Being in the industry, I’ve had third-party exposure to many excellent mortgage companies and lenders over the years. When it came to my own home purchase, the decision on a mortgage lender came down to choosing the right person and team over simply the lowest initial quoted interest rate. I have worked with Paul Zgalich and his team for the past three years, and that experience made the decision easy. Paul is both a listener and a doer. He takes the time to understand his clients’ needs and then does whatever is necessary to secure the business and guide the transaction to a smooth, straightforward, and clean closing. Throughout the process, Paul and his team were responsive, professional, and dependable. As someone who works in real estate every day, I can confidently say that having the right lender and team matters — and Paul consistently delivers.

May 10, 2026

Him and his team were actually really easy to work with and got everything done quickly and efficiently

May 8, 2026

No written review

Paul and his team were so helpful and made the mortgage process super easy. I highly recommend Paul and the team at Guaranteed Rate!

Apr 19, 2026

A smooth and easy process despite a very quick closing. Paul and his team were diligent and helpful throughout the whole process. Recommend them without reservation.

The lender communicated throughout the process, set expectations early, and answered my many questions. The loan closed on time, and overall the experience felt well-managed.

Excellent service and proactive response on any queris

It was super easy and fast

Easy to work with. Very responsive.

Very good customer service,helpful,fast

Excellent hands on service and communication

Guaranteed Rate was very professional and diligent in providing me the best terms and service in a very quick manner. They explained everything to me as the process progressed. And I am very satisfied with the results.

No written review

Excellent customer service

Excellent service

Team was very professional , explained every step of way and guided with best option. Special thanks to Mike.G for the prompt response every time we inquire.

Paul's team moved fast and got the loan across the finish line sooner than i expected. Overall great experience. Can't wait to work with them in the future.