Ratings include all 33 reviews. Reviews collected directly from clients are shown only with their permission.
I cannot thank John enough. When a last-minute documentation issue popped up, they jumped on it immediately, coordinated with the processor, and kept our closing on schedule. If you want a loan officer who actually cares and fights to keep things moving, call John ! Thank you and your team for everything my family and I appreciate it you guys.
Response from Owner
Lydia, thank you for trusting me and my team to step in when your original lender was unable to get you to the closing table. I know the process came with its challenges, and I truly appreciate your confidence in my ability to find a solution and get things back on track.
Helping buyers navigate difficult financing situations and find a path forward is one of the most rewarding parts of what I do. I'm so glad we were able to turn things around for you and your family.
Thank you again for the opportunity, and wishing you many wonderful memories in your new home!
Great team to work with. Extremely communicative throughout the process.
KKimberly W.
John did a great job pairing me with an amazing realtor and helping us with our mortgage loan funding. He made the process go smoothly, was so responsive and helpful every step of the way. The team worked together and everyone was fast and efficient! Thank you John for all your hard work, we really appreciate it!!!
MMaggie D.
(Translated by Google) "I highly recommend John Carlos Machado at Rate. Buying a first home can be an overwhelming process, but they made it look easy. I especially appreciate their excellent communication: always clear, prompt, and friendly. They also made a great team with my realtor, Mario Bernal at Signature Realty, which allowed for a quick and seamless closing. Thank you for making this dream a reality."
(Original)
"Recomiendo ampliamente a [John Carlos Machado at Rate]. Comprar una primera casa puede ser un proceso abrumador, pero ellos lo hicieron ver fácil. Destaco especialmente su excelente comunicación: siempre claros, rápidos y amables. Además, hicieron un gran equipo con mi realtor Mario Bernal at Signature Realty, lo que permitió que el cierre fuera rápido y sin contratiempos. Gracias por hacer realidad este sueño."
Response from Owner
Thank you so much for the kind words and for trusting the Machado Group at Rate throughout your first home purchase journey. Helping first-time homebuyers navigate the mortgage process with clear communication, fast updates, and a smooth closing experience is always my goal.
I’m glad we were able to make the home loan process feel simple and stress-free while working together with Mario Bernal at Signature Realty to help get you to the closing table quickly and seamlessly.
It was truly an honor to help make your dream of homeownership a reality. Thank you again for the recommendation and for allowing me to be your mortgage banker. Wishing you many great memories in your new home and I am here for all your mortgage needs!
Nice experience with John Carlos Machado. He worked together with my agent to make the process easy and faster. He explained everything very well. Thanks, John!
JJuan B.
Response from Owner
Thank you for your 5 star review Roberto, it was great helping you cash out refinance for debt consolidation!
John, was very helpful on guiding me
through this journey it was my first time and he made it easy a possible for me. If I didn't understand something I would just call him and he would explain right away. If i ever needed him again I would not hesitate at all and would recommend him.
Response from Owner
Hi Darrell, It was a pleasure guiding you thru your purchase as a first time home buyer. Thank you for your recommendation!
John’s knowledge, service, and client care is always top notch! He always makes sure his clients are 100% informed during the entire mortgage process. No need to look elsewhere, you’ll be well taken care of with John.
Response from Owner
Thank you so much, Jessamyn! I truly appreciate the trust and partnership. Working alongside knowledgeable real estate professionals like you helps ensure our buyers have a smooth and well-communicated home buying experience from preapproval all the way to closing.
As a mortgage banker, my goal is always to make sure clients fully understand their financing options, monthly payment, and every step of the mortgage process so they can move forward with confidence. Communication, transparency, and client care are everything in this business.
Thank you again for the recommendation and for continuing to trust me with your homebuyers and mortgage financing needs!
As an attorney, having a loan officer like John in your corner makes all the difference. John and his team are responsive, sharp and have always had every one of my clients' best interests at heart. I have personally witnessed John navigate the most complicated deals imaginable and create solutions with his team to ensure every transaction makes it to the closing table in one piece and with some of the best rates out there! If you're thinking of buying or refinancing or you're a real estate attorney and your client has an unresponsive lender - I highly recommend John for the job.
Response from Owner
Thank you so much for the thoughtful review and continued partnership. It truly means a lot coming from a respected real estate attorney who has seen firsthand the complexities that can arise throughout the mortgage and closing process.
My team and I work hard to provide clear communication, fast problem-solving, and proactive mortgage guidance to help buyers, homeowners, attorneys, and real estate agents navigate even the most challenging real estate transactions smoothly. Whether it’s a home purchase, refinance, first-time homebuyer program, or a more complex financing scenario, our goal is always to create solutions and help clients get to the closing table successfully.
I greatly appreciate your trust, collaboration, and recommendation. Having strong partnerships between the lender, real estate attorney, and real estate agent is one of the biggest keys to a successful and stress-free closing experience for our mutual clients. Looking forward to many more successful transactions together!
John has been my go-to lender on a wide variety of home purchases in my real estate practice. His efficiency, effectiveness and enthusiasm are consistent across all loan types, purchase points, and customers. Can’t go wrong with him - and bonus points for the Rate app that I now open basically daily for workouts and guided meditations.
Response from Owner
Thank you so much for the continued trust and partnership! It’s been a pleasure working together on so many different home purchases and helping buyers navigate the mortgage process across a wide range of loan programs and financing scenarios.
As a mortgage banker, my goal is always to provide consistent communication, fast preapprovals, efficient closings, and personalized mortgage solutions for every client — whether they are first-time homebuyers, move-up buyers, investors, or refinancing homeowners.
I truly appreciate the confidence you place in me and my team to help support your clients throughout the home buying process. Strong partnerships between real estate agents and lenders make a huge difference in creating a smooth transaction and positive experience from contract to closing.
And I’m glad you’re enjoying the Rate app too. Definitely an underrated bonus! Looking forward to continuing to help more buyers achieve homeownership together.
I’ve had the pleasure of working with John Carlos Machado for many years. During that time, he has not only taken exceptional care of my personal clients, but has also successfully served many of the clients of our agents at Signature Realty.
John is extremely knowledgeable when it comes to mortgages and the entire home buying process. He understands how to structure deals, communicate clearly with buyers, and ensure transactions move smoothly from pre-approval to closing. His professionalism and responsiveness consistently give our clients confidence throughout the process.
He is also one of the best Latino Spanish-speaking lenders in our area, which has been invaluable in helping serve our diverse community with clarity and trust.
I’m very pleased with the work John continues to do, and I look forward to working with him again in the future.
Response from Owner
Thank you so much for the kind words and continued trust throughout the years. It has truly been a pleasure working with you, your team at Signature Realty, and the many homebuyers and homeowners you’ve entrusted me with along the way.
As a mortgage banker, my goal is always to provide a smooth and well-communicated mortgage experience from pre-approval to closing while helping clients understand their financing options, monthly payments, and the overall home buying process with confidence. Whether it’s a first-time homebuyer, move-up buyer, investor, or refinance transaction, my team and I work hard to structure financing solutions that help ensure successful closings.
I especially appreciate your recognition of our Spanish-speaking mortgage services. Being able to assist Latino and Spanish-speaking homebuyers throughout Connecticut and Massachusetts with clear communication and education is something I take great pride in. Helping families achieve homeownership and build long-term generational wealth within our community is incredibly important to me.
Thank you again for your partnership, support, and recommendation. I truly value the relationship we’ve built and look forward to helping many more clients together in the years ahead!
Ive worked with John a few times over the last 2 years and will always recommend him to my clients. As a Realtor in CT, I have a lot of lenders to choose from, but John always goes above and beyond for my clients to ensure they have the most up to date information about the current lending and housing market. I know when we work together that my clients are in capable hands of someone who will do whatever it takes to get them to the closing table smoothly .
Response from Owner
Thank you so much for the continued trust and referrals over the years. It truly means a lot coming from a fellow Connecticut real estate professional.
As a mortgage banker, I know how important it is for buyers to have accurate and up-to-date information regarding the current mortgage market, interest rates, loan programs, and overall home buying process. My goal is always to provide clear communication, strategic financing guidance, and a smooth experience from preapproval through closing.
I’m grateful for the opportunity to work alongside dedicated Realtors like you who genuinely put their clients first. Strong collaboration between the real estate agent, lender, and attorney is what helps ensure successful and stress-free real estate transactions.
Thank you again for trusting me with your clients’ mortgage financing needs and for the recommendation. Looking forward to helping many more Connecticut homebuyers get to the closing table smoothly together!
They explain everything and get back to you on all my questions, very helpful!
MMark P.
excelente servicio.
JJames L.
John was great during the stressful home buying process! Very knowledgeable and easy to reach! Would highly recommend
LLeyden T.
Great experience, efficient. The loan ppl are very friendly, taking good care of the client. Given the best offer to me while I am working with them. Thank you every much, I am happy and satisfied with them. Highly recommended.
HHuaqing Y.
Great response time.
NNathan A.
Smooth process
AAladino G.
John is very personable and was always available. He made this a very smooth process and was creative in getting me the actual deal.
DDavid K.
Everything was excelent
LLuis M.
Very professional and always available
JJesus C.
The fact that o always got a call back from John or a text. And John answered all our questions patiently
FFlor R.
John was extremely responsive, always ready to give us a call or shoot over a text to answer our many many questions. As first time homebuyers the whole process could have been extremely overwhelming, but John took things step by step and supported us the entire way, answering our many many questions. In terms of the actual loan, he got us a great rate and helped us spend our money in the best way possible for our budget. Could not have asked for a better experience!
MMollie G.
John Machado is patient and knowledgeable regarding the entire home purchasing process even with areas outside of the loan servicing part. Purchasing a home can be an experience that leaves you with anxiety, fear, and confusion but working with John clears ALL of that away. So to answer the question "what made this experience great" the answer is working with John Machado, he is an expert you can trust.
