Ratings include all 145 reviews. Reviews collected directly from clients are shown only with their permission.
We recently purchased a property in North Carolina, moving out of state from Florida. With all of the complexities of an out-of-state move along with some unique circumstances of the purchase, the last thing that we wanted to be stressful was the process of financing it all. Dave was absolutely top-notch with regards to getting us pre-qualified and approved for the mortgage. Super-responsive and always available. 10/10 would definitely work with him again.
Response from Owner
Richard, thank you so much for your kind review. This is such a great property you bought and I know you will have FUN :-)...both with the property itself and with being near family/friends again. Contact me anytime I can ever be useful. God bless!
Working with Dave was an absolute pleasure. From answering the same question without hesitation. To explaining and helping navigate all minor and major milestones. Dave made it clear and easy. Even when thrown a crazy curve and even improved upon every part of the process. Dave was recommended to me and would urge everyone to use Dave!
Response from Owner
Andrew...Thank You! I am so happy for the way your new home worked out...especially the value! Wow! You were always responsive to what we asked for and great to talk with by phone. Let's stay in contact as this market (hopefully) changes and you get your dad's house sold.
Dave Mincy and his team at Guaranteed Rate, Inc. provide an exceptional experience. Home buying in itself can be toiling. Dave and Kerrie provided the highest level of customer service with pinnacle knowledge, clear honesty, and tender kindness. With challenges in our financial past, coupled with the challenges of selling a house, while orchestrating a logistical tight rope, Dave and Kerrie were always there for us. Behind us providing support, beside us giving advice, and in front of us coaching us to the finish line. As someone who has bought, sold, and built homes, I can confidently say and recommend Dave and his team as the best of the best! Truly unmatched blessing!
Response from Owner
Banks...wow, I have no words! (but I'll try anyway...lol) Thank you for such a thoughtful review and for mentioning Kerrie as well...she is a rockstar and this will make her day. Doing your loan and helping you navigate the curveballs that came your way was fulfilling for me as well. I was thrilled with how things came together at the right time and honored to be a small part. God bless!
I cannot say enough wonderful things about my experience! From beginning to end, he was there every step of the way, always quick to answer my questions, explain things clearly, and put my worries at ease. Buying a home can be overwhelming, but his patience, professionalism, and genuine care made the entire process so much easier. His team was equally amazing—always responsive, kind, and willing to help with anything I needed. I never felt like just another client; I truly felt supported throughout the entire journey. I'm incredibly grateful for everything they did to help make this happen and would absolutely recommend him and his team to anyone looking to purchase a home!
Response from Owner
Donna...thank you for such a kind review and what a joy to help you buy your first NC home. Congrats!
Dave was extremely helpful throughout the entire loan process. He and Kerrie answered every question. They also called to walked us through the paperwork after the documents were sent to us so we had full transparency. We can’t thank them enough for all their hard work, dedication, & communication as we bought our first home.
Response from Owner
It was an honor to serve you and your organization and responsiveness made it so easy to work for you! Thank you so much for your kind review. 🙏😊🏡
The team was very responsive and helpful every step of the way. Even when my wife and I were beginning to get discouraged, we were reassured and guided the whole way right up to the finish line. I’m thankful for such a friendly, people-oriented team. I genuinely felt well taken care of and that I can depend on everyone for help even after closing. I will definitely recommend to any friends and family that are looking to buy a home.
Response from Owner
Thank you so much…it was my honor to help you buy this beautiful home and you were responsive, kind, and easy to work with at every turn. 😎
Dave was absolutely wonderful and the whole team. I closed in the day that I was supposed to and everything went smoothly! I would do it all over again! My husband and I are very thankful for everyone!
Response from Owner
Jackie...your kind words means SO much to me...thank you. You were an absolute pleasure to work with :-)
Dave was always prompt and answering my endless questions and he answered them in great detail
MMichele S.
Customer Service and personal, enjoyed working with them. Process was smooth.
TTracey T.
Dave and his team at Rate are top notch. This has been the fastest and most seamless refinance we have ever done. Dave was in constant communication about the process and answered every question we had very quickly. We would absolutely recommend Dave and his team for any of your mortgage or refinance needs. We will contact him again in a few years if/when the rates drop a few points.
Response from Owner
John...you are most kind! Thank you! It was my honor to serve you and Sheila. Stay in touch and God bless!
Everything about the process was smooth and coordinated. Communication was excellent with all parties.
LLori B.
very clear instructions and good information
AAlex B.
Because it was a very smooth and easy process
LLisa B.
We really enjoy working with Dave Mincy and his team! This is our third purchase using Rate.
RRobert N.
Everyone was very helpful and answered all my questions and were just very nice to work with.
MMary B.
Dave Mincy is by far the most professional and knowledgeable person in his industry. This is our second time working with him and I couldn’t be more relieved to have someone like Dave in our corner. From the beginning of getting our new mortgage up to the end Dave was responsive available and understanding to our particular circumstances. He truly is the best in the business.
Response from Owner
Wow! How do I even begin to adequately respond, Debbie?? Your KIND review BLEW me away! Thank you, and I know this unexpected transition will ultimately work out to be a blessing for you all :-)
We just closed on our 3rd house with Dave and Guaranteed Rate and this process has always been enjoyable! Dave and his team are professional and always on time.
Response from Owner
Clay...thank you! This is such a beautiful new home. 🏡 😊Wishing you and the fam and your business continued success
Fast response and always there to make sure I understood. Knowledgeable and took care of everything making this easy and understandable
KKevin P.
Awesome experience
TTracey I.
Great guy, very resourceful and clear with instructions. made the process simple for me and always there when i needed information or had questions about the loan process.
Response from Owner
Alex! Thank you so much. I was so glad you were able to get this house. You had been working towards this for a LONG time. Congrats!
Dave was a pleasure to work with. Very friendly, helpful, and prompt in responding to questions. We would highly recommend his services.
Response from Owner
Patty…thank you so much for your kind review. It was my honor to meet and work with your family. Congratulations on your boys achieving the dream of home ownership at such a young age. May it be a blessing to your family for generations!
It was my first time buying a home and Dave was very patient with me. He is calm and affable. My case was a little different from everyone else but Dave made it possible. I recommend Rate mortgage and Dave for everyone else. Mike Dabi
Response from Owner
Mike! Thank you so much for your kind review and I am SO HAPPY you are in your new and beautiful home. 😊 It was your HARD WORK and perseverance that made it possible, but I was honored to help!
Efficient and easy to work with. Closed within 3 weeks
SSondra B.
Dave was prompt in answering any and all questions, and helping me understand the process. Overall, the process was seamless.
HHeather H.
Fast
CCharles H.
As first-time homebuyers, we had an incredible experience with Dave! He helped us through the whole process from pre-approval to close and was happy to help even before we'd settled on a lender. We shopped around extensively, but his rates were always competitive and he helped find what worked best us.
Response from Owner
Tom…it was my privilege to serve and get to know you and AC. Thank you so much for your kind review. There’s nothing quite like your first home, but you two are just getting started…I can feel it! Cheers on your move, your jobs, and your marriage. (Now maybe catch your breath) 🤪
Dave Mincy and his team are the most personal, professional, and patient people to work with. This was my second time using Rate and I’ll use them again. Just hopefully not anytime soon!
Response from Owner
Paul! Thank you for trusting me to do your loan again and for your kindness in leaving me a review. I’m so glad the move is finally accomplished and hope now you will be able feel settled quickly. 🙏🏼
Dave Mincy did an amazing job for us on a recent purchase. In the past we have used "big box" banks for lending, and I am so glad we made this change on a recommendation from our real estate agent. Dave was available at all hours to review paperwork, answer questions, issue pre-approval letters, etc. With a short closing schedule, we simply would not have been able to make our purchase if we were counting on someone only available on weekdays from 9 - 5. Dave and his team were very responsive, and their website was really easy to use to upload forms. Dave and team handled the added complexity of a VA loan with ease, and I couldn't be happier with our decision!
Response from Owner
Wow…you just made my Monday morning feel like I won the lottery! 🙏🏼😊🎉Thank you so much for your kind review. I was honored to serve you as a Veteran, and so happy to help you close quickly when you found your perfect next home. Cheers! 🏡💥
Dave Mincy did an amazing job for us on a recent purchase. In the past we have used "big box" banks for lending, and am so glad we made this change on a recommendation from our real estate agent. Dave was available at all hours to review paperwork, answer questions, issue pre-approval letters, etc. With a short closing schedule, we simply would not have been able to make our purchase if we were counting on someone only available on weekdays from 9 - 5. Dave and his team were very responsive, and their website was really easy to use to upload forms. Dave and team handled the added complexity of a VA loan with ease, and I couldn't be happier with our decision.
KKimberly H.
Dave was super helpful every step of the way! I signed a bunch of documents online, blinked my eyes, and I was a home owner! Thanks Dave and team!
Response from Owner
Kay...thank you so much for your kind review. We feel the same...you were super GREAT to work with and that made getting your VA loan done a breeze! :-)
Easy to work with, helpful, friendly and accommodating.
PPatricia F.
Everything in this process was smooth.
SSarah P.
Dave was very knowledgeable and made my home buying process very easy. Highly recommend him and his team.
Response from Owner
Jackson, thank you so much…it was my pleasure to serve you and get to know you during our many talks throughout this process. You have put yourself in a great financial position with this first home. Congrats!
Dave Mincy is great The whole process was user friendly Rachel and Audra were friendly and efficient
MMichele B.
Dave did a great job processing our loan.
PPeter M.
Working with Dave and his team at Guaranteed Rate was an exceptional experience! Dave is incredibly knowledgeable, communicative, and kind, he went above and beyond to ensure our home loan closed in just 2.5 weeks. His creativity and consideration made the entire process seamless. I’m a customer for life—highly recommend!
Response from Owner
Jake! You are so kind! Thank you. What a crazy saga buying a house was for you, and yet the end result was beautiful 💥🙌🏽🏡
Dave worked closely with my realtor to get our loan processed in time for our closing date. He was always quick to message me back with any questions I had. He is also a very polite. I would definitely recommend Dave for your mortgage needs.
Response from Owner
Pete…you are super kind, thank you! I look forward to helping you with some of the next steps we talked about once your previous home is sold. 👍🏽
We worked with Dave Mincy to get our mtg and he was great! We were first time home buyers and he made the experience easy and seamless. The process of buying your first home can be confusing and scary but Dave did a great job and we never felt that way. If you go with rate would definitely recommend Dave!
Response from Owner
Lauren…you made my day! If you can say that the process was not scary and was instead smooth and seamless as a first time homebuyer, then I did my job. Thank you! I do want to say too, though, that much of the credit goes to you and Parker for being well-prepared financially and super responsive during the process. 😊
Dave Mincy with Rate.com did a great job of getting me through to closing *quickly* after my original choice of lender fell through at the last minute. Dave knows his stuff! He worked the numbers until I was satisfied with the terms. Website was simple enough to use, as far as filling forms and uploading documents. Service was excellent, before, during, and after closing. L Thanks, Dave!
Response from Owner
Deb! Thank you for such a detailed review…getting your loan done start to finish in 8 days is something I was really proud of, but a ton of credit goes to you for being super organized and responsive. Yay for a happy ending to what had been a very frustrating situation for you. 😊
