Joe Vichich

Nov 5, 2026

Working with Joe and his team was easy and professional. The process felt smooth and easy to provide what they needed along the way. It was a great experience and would recommended them to others.

Aug 12, 2026

Every step of the way felt like there was a team working for me. They communicated with me throughout the entire process. Joe was absolutely exceptional. He was able to answer all my questions in a timely manner at any hour of the day. He worked constantly to ensure everything would go smooth to help this stressful process feel a little bit better. Not to mention the care and how personable everyone on this team was through this process. I know they had other clients but I truly felt like they put in their 110% in to make me feel like I was a priority. 10/10 will recommend to all my friends and family.

Aug 5, 2026

Joe V went above and Beyond in my case, and I highly recommend him, especially for travel, nurses and contract workers I am forever grateful for him and the way he handled everything

Jul 13, 2026

The folks at Rate were wonderful to work with!

Amazing and you guys made everything really easy for me thanks again for everything

Jul 5, 2026

Joe V. has helped me with several home loans, and every experience has been outstanding. If you’re looking for a knowledgeable, honest, and professional mortgage lender, I highly recommend Joe and his team. He always gives straightforward advice, explains every step of the home loan process, and makes sure you understand all of your options. His attention to detail, excellent communication, and commitment to getting the loan closed make the entire experience smooth and stress-free. Joe consistently goes above and beyond to achieve the best outcome for his clients while maintaining the highest level of professionalism. I genuinely enjoy working with him and his team and wouldn’t trust anyone else with my mortgage or home financing needs. Heather Bland (Jacques)

Joe V. has helped me with several home loans, and every experience has been exceptional. He’s honest, professional, and always explains the mortgage process clearly. His attention to detail, excellent communication, and commitment to getting the job done make the entire experience smooth and stress-free. I highly recommend Joe and his team for anyone looking for a trusted mortgage lender.

Jul 1, 2026

joe from guaranteed rate is great, and always available - this is my second loan with him and he gets the job done every time

Jun 18, 2026

Amazing loan team! This team could not of done thing anything better! Quick responses from start to finish and no issues whatsoever. I couldn’t believe how quickly Joe and his team got my loan to close with zero issues! The process was so simple with no stress!

Joe has always been helpful.

Joe and his team are excellent from start to finish. Really great at communicating and following up.

It was all done with no interruptions

For the most part everything went as expected. Communication could have been better at times

They helped me get the house I wanted

Joe, Jacqueline and Kemper were very easy to work with. There was a couple of things that still needed to be done at the last minute, but it was definitely the easiest and smoothest loan process that I have ever had.

Everything worked out in the end. I feel like communication could have been better.

Jun 12, 2026

Joe did an excellent job helping us finance our home. If we had any questions or concerns he was just a phone call away. Thank you Joe!

The process of securing a mortgage loan from start to finish was easy and stress free. Any questions that I had along the way were answered in timely fashion and respectful.

Jun 3, 2026

Joe and his team handled things quickly and easily getting us to the closing. Not many lenders can have you clear to close in 14 days when the average is 30 days. They communicate very well with what is needed to get you to the next steps. I have used him three times now and have never had any doubts with getting things done. Thanks again Joe to you and your team. We look forward to moving in our new house we had built.

Jun 2, 2026

Professional in every aspect of the process! We would highly recommend Joe to any prospective home buyer!

May 28, 2026

I had a great experience! They helped me out throughout the whole process and got me a great rate! Joe did a fantastic job 👏

May 25, 2026

Joe was excellent and made my buying a home a success story. Kept me informed, helped with the paperwork, made it easy for me.

May 14, 2026

If you’re looking for a lender who is responsive, knowledgeable, honest, and truly cares about his clients, I highly recommend Joe Vichich. As a Realtor, I work with a lot of lenders, and Joe consistently stands out because of his communication, professionalism, and ability to get deals to the closing table smoothly. What speaks volumes to me personally is that I don’t just recommend Joe to my clients — I use him myself. Joe currently handles my personal mortgage, and that alone should tell you the level of trust and confidence I have in him and his team. Whether you’re a first-time homebuyer or a seasoned buyer, Joe takes the time to explain the process, answer questions, and make sure you feel comfortable every step of the way. Highly recommend!

May 7, 2026

Joe went out of his way to help me get the money I need for my house. Joe came to me to do the paperwork when I was not able to drive.

May 6, 2026

No written review

Apr 29, 2026

Joe was my third lender & the one to get me all the financial help I could! So happy to have had the pleasure of working with him. He got me through the process easily. I will definitely be recommending him to anyone I know

Because Everyone I worked with did a fabulous job helping me. Joe Vichich led the line in making sure it was super easy for us to maneuver through the steps. He made sure i understood everything and I could rest easy knowing he was taking g care of our mortgage.

The team were helpful, communication is great

They worked with me to get the best at a payment I could afford

Working with Joe as my loan officer was an amazing experience. He helped me get approved and made the entire process smooth and stress-free from start to finish. He is knowledgeable, responsive, and truly cared about helping to make sure everything went as smoothly as possible. I highly recommend him to anyone looking for a great loan officer!

Joe handled everything quickly for a fast closing as we were already into our second choice of home.

Everyone was well informed, and made it easy to follow. They were also very prompt, professional, polite, and didn't rush me on anything. It was quite stress free. The most simple loan process I've done so far. 10/10 every time we communicated.

Joe and his team were on top of everything. They made it so easy for me.

Mar 28, 2026

Joe and his team are very wonderful and helpful throughout the process. Joe went out of his way to even fix a damage on the property just to assist in closing. Thank you!

Mar 27, 2026

Where do I begin! Joe was absolutely top notch! I was in a position of being involved with two people prior that were awful. Joe made it happen! He listened, he problem solved, he understood my situation, and he did everything in his power to get me in my house… which he DID! I am forever grateful for the amount of time and dedication he put in to help me get here. He was attentive, over communicated for my peace of mind, and just overall made the experience go from horrible to amazing. HIGHLY recommend!!!

Feb 27, 2026

Joe is my go to mortgage broker in Dayton, Ohio. He has tons of experience as one of the top three lenders in the Dayton area. If anyone can get the deal to the closing table, it's Joe. He's communicative, experienced, and has a good team helping him make the process seamless. -Mary Allison Toppins Keller Williams Community Partners

Feb 26, 2026

I highly recommend Joe for anybody in need of home financing. Joe is a Top Loan Officer in both the Troy and Dayton markets. Joe brings a understanding of a borrowers needs along with a strong process to make the steps to owning your dream home seem easy. His communication throughout the process provides confidence to both the buy and their real estate agent.

Feb 19, 2026

Awesome! Awesome! Awesome! I can't say it enough. Joe and his team walked us through every step of the way. It was a pleasure working with everyone. Super easy, fast, and they answered every question quickly. It couldn't have been any smoother. I would highly recommend giving them a call if you're in the market. 10/10

Feb 6, 2026

I will say we had a rough time with USBank Mortgage but switched over to Rate Mortgage with Joe Vichich and they took care of it in lightning speed. They handled everything professionally and explained every detail and helped us through every step. I am so grateful I was given his name. I would recommend Joe and Rate Mortgage to anyone wanting a great mortgage experience. Once I began working with them I didn’t have to worry about a thing! Thank you so much Joe and Rate Mortgage for helping us out. We will be back!

Rate was very easy to work with and kept me updated and informed through every step of the process, making it as painless as possible even for a first-time home buyer.

They were easy to work with, explained everything well, and got us through the process very quickly.

Jan 14, 2026

Joe did an amazing job helping me through the process. He let me know every step of the way and continued to call me just to inform me when others were going to contact me. Couldn’t have asked for anyone better!

Jan 12, 2026

Worked on christmas eve to get us the home loan, couldn't ask for more.

Dec 30, 2025

No written review

Joe Vichich is always supportive and responsive during the loan process.

Dec 20, 2025

From start to finish, Joe Vichich was great. He ensured we were able to close on our house in rapid time. His communication was thorough and responsive. He walked us through the process that we hadn’t done for over 36 years. Needless to say we were rusty but Joe was very patient with us. I’d highly recommend Joe at Rate.

Amazing!!!

Nov 22, 2025

Joe is just a WONDERFUL person to work with. This was our 2nd time buying a house and he made the process feel so smooth!!!! Pleasure to do business with you!

Nov 13, 2025

Joe and his team at Rate were friendly, professional and honest. Joe answered many questions during the seeking of our forever home before we even found it and had to get the loan process started. He and his team got us closed in 15 days! They worked hard so we could close, get some work done and get moved in just before Thanksgiving! What a blessing!

All good very professional and always willing to answer questions