Penny Charlson

10/10

Nov 1, 2026

No written review

Jul 1, 2026

No written review

The entire process went smoothly with excellent communication.

Very reasonable, and there were no surprises. Was a little surprised our house did not appraise at our offer price becuase conversations with lender suggested it was rare, but I also understand every situation is unique and the market is always changing.

Top notch service from Penny & Niki with an end result (loan terms) that I feel is above average.

Everything went smoothly and the loan got funded in time.

We had a great experience with Penny and Niki & will recommend them to friends and family.

Excellent service

Because Penny and Niki were very thorough, detailed, and accurate. They have obviously been doing this for a while, and it shows. I was completely satisfied with the entire process.

Jan 16, 2026

Penny and Niki were fantastic to work with! They were quick to respond, efficient with paperwork, and kept the process moving without delays. They made the entire experience easy and stress-free for my buyer. I would highly recommend them!

Nov 21, 2025

The Process was Excellent, the time frame, and the recourses offered. This is by far the best closing I’ve experienced. I am great full for the opportunity. Thank you 😊

Very thorough explanations of all questions. Truthful and upfront about everything.

It was awesome working with you guys. They responded very fast and were very helpful.

Mar 9, 2025

Penny and Nicole were great. Walked us through every step. Quick and easy!!

Feb 13, 2025

Penny & Nichole were great from start to finish. They were very knowledgeable and were willing to walk us step by step through the process. This allowed us to focus our attention elsewhere.

Penny and Niki do an excellent job. I’d give them an 11 if it was an option. They are quick, informative, attentive. I recommend them to anyone I come across.

Rate has been so helpful in helping me along the way in buying my first home. Penny and Niki were always available to help along the way and answer any questions we had!

Jan 7, 2025

Penny and Niki are just the best. My husband and I have worked with them several times over the years--we won't call anyone else! Penny is always willing to take the time to talk through our questions, give advice, and help us make our dreams happen. Niki is so helpful, answering our questions and making the pre-approval process as efficient as possible. 10/10 experience with this great team! Would recommend to anyone!

The website and ability to link accounts for underwriting to see was great.

Excellent and efficient service.

The team was incredible. The process was simple and getting to the was exciting.

Great at explaining everything, super helpful with all the next steps, and overall great customer service.

Responsive. Attentive. Good advice. Personal. Great rate.

Penny was very responsive and was able to communicate and provide direction in a manner that help us understand since we were first time home buyers.

Penny and Niki were so easy to work with and they stayed so positive throughout the whole closing event.

Penny Charlson and Nichole Goeks made the mortgage process so easy for me. They answered every single question I had and walked me through the entire process from start to finish, which was very nice because this is my first time buying a home.

Because they made the process go by so smoothly and they were always there when I had any questions.

Penny and Nicki were fantastic to work with!! They answered all our questions and gave detailed explanations to guide us through the process.

They worked with us tirelessly and made the transaction very easy to understand

Because Penny is great to work with.

Penny and Niki were fantastic to work with and answered every question we had, even outside of the normal questions.

Aug 10, 2023

No written review

Jun 10, 2023

As a first-time homebuyer with somewhat unrealistic expectations, I was incredibly lucky to have Penny and Niki there to guide me through the process. They took the time to thoroughly explain what was happening every step of the way and made sure I understood the short- and long-term implications of my decisions. From the start, they had my best interest at heart and impressed me with their exceptional work ethic, clear communication skills, diligence, and decades of lending experience. Trying to buy in a competitive sellers' market, where it was not uncommon to hear at the first open house that there were ten, sometimes twenty competing offers already submitted, proved to be exhausting and frustrating. To have a shot at my offer being accepted, I had to move quickly and make use of everything I had to ensure my offer would stand out. I had several last-minute calls, often on weekends or in the evening, to discuss my options for submitting an offer. Their input and willingness to accommodate my needs were huge contributing factors to me closing on the home I'm in now. TL;DR: I would 100% recommend Penny and her team, and their assistance could very well make the difference between finding a home you love and one you regret.

Aug 21, 2022

Penny and Niki are very knowledgeable and helpful in all parts of the loan process. They went above and beyond to make sure I was well taken care of in the crazy housing market and climbing interest rates

Jul 25, 2022

Penny was upfront about everything in the home buying process and she left no stone unturned! She truly made the process much less daunting than what it seemed to be and she answered all our questions promptly. She thought of every possible scenario when it came to buying a home and was transparent with every detail. She came highly recommended to us and did not disappoint at all! Thank you, Ms. Penny and Ms. Niki for all of your help! We love our new home and it's because of your help that we were able to get it at all!!

Jun 1, 2022

Penny and her team at Guaranteed Rate were top notch to work with. When buying a new home, communication is key during the financing process. There was constant open dialogue and Penny was available whenever I had questions. Thanks to Penny and her team for putting us in our new dream home!

Apr 26, 2022

Penny, Nichole and the whole team at Guaranteed Rate are the best. They are true professionals who guide you through the process and get you the best mortgage available. We couldn’t be happier with Guaranteed Rate!

Apr 5, 2022

6 mortgages, some purchase, some refi, always a great experience!

Dec 28, 2021

I am Real Estate Broker and have been sending my clients to Penny and Nichole for years! They are the Dynamic Duo and can make it happen! They are on the ball every step of the process and make it smooth and efficient...my clients use them over and over again! When it came to refinancing my own home, they went above and beyond to help me. You can trust them with all of your Real Estate needs...whether you are refinancing or first time purchasers, they are the team you can rely on!

Sep 28, 2021

Penny was the best!! She was quick and efficient in every step of the process! Her team did a fabulous job!! For sure will recommend!!

Aug 22, 2021

Penny was very positive and helpful

Aug 22, 2021

Extremely helpful!! A delight to work with.

Aug 22, 2021

Worked with Penny through the whole home buying mortgage process , the experience was phenomenal .

Aug 20, 2021

Love this lady. Very personable and responsive. I've gone through her for two houses and a refinance. If at anytime I would need help again, I will definitely give her a call. Her and Nichole are some outstanding and knowledged individuals.