Ratings include all 23 reviews. Reviews collected directly from clients are shown only with their permission.
Truly the best experience me and my husband Joel could’ve ever asked for, we did the VA home loan and truly felt such ease from Michelle and her team during this whole process. We were supposed to pay closing costs and on closing day we found out we were bringing $0 to the table and instead RECEIVED a check back of a couple grand!!! The way she works under pressure and delivers is what you want out of a lender!!! Truly amazing soul and she is the sweetest person ever, COULD NOT HAVE DONE IT WITHOUT HER I owe her my whole life now Hehe thank you so much!!! We appreciate you so much cheers to our new home! And hopefully another in the future 💝💝
Response from Owner
Jasmine, this absolutely made my heart smile! 💗 Helping you and Joel become homeowners was such a joy, and knowing that we made the process feel easy and stress-free means the world to me. That closing day surprise was the cherry on top! ❤️
Thank you for trusting my team with such an important milestone. You certainly don't owe me your life, but I will happily take you up on helping with that next home! 😉 Wishing you both a lifetime of happiness, love, and beautiful memories in your new home! ❤️
Michelle and her team made my experience as VIP treatment . She was available day or night and even when out of town to make sure all my questions were answered and took the time to explain the process step by step from beginning to end. It was definitely a GREAT experience and would highly recommend her and her team. Thank you again for making this new chapter in our lives a smooth one.
Response from Owner
This means so much to me! ❤️ Making you feel like a VIP every step of the way is exactly what we strive for! Thank you for trusting us with such an important milestone. Wishing you so much happiness in this exciting new chapter! 🏡💕
Michelle Gemmell was amazing throughout my mortgage process. She was professional, responsive, and made everything easy to understand. Thank you for your dedication and excellent service—I truly appreciate all your help!
Response from Owner
Thank you for your review, Marleny. We're glad Michelle and The Gemmell Team of Guaranteed Rate Affinity made your mortgage process easy and stress-free. Your kind words mean a lot! Feel free to reach out to us with any questions.
considering a mortgage or pro advice to decide? see Michelle at guaranteed rate. you'll be very glad you did. we were!
Response from Owner
We're grateful for your positive feedback with our team and Congratulations on your new home! Thank you for sharing your experience with us, we appreciate all referrals.
10 out of 10. From start to finish nothing but top notch service.This team was able to close 20 days early, answered every question, helped me along the way and made me feel right at home.
Response from Owner
Thank you for sharing your experience with us, Peter. It helps when our team works with professionals like yourself. We appreciate your feedback and are thrilled to hear about your positive experience with our team.
The team at Guaranteed Rate Affinity was excellent. Michelle was always very easy to communicate with and easy to get a hold of. We just closed on a house last week and couldn’t be happier with all her help!!
Response from Owner
We are glad to hear that you had an excellent experience, Jordan. Thank you for sharing your feedback and congrats again on your new home!
Congratulations on your new home, Billy, and thank you for sharing your experience! Your positive feedback is incredibly valuable. We appreciate your support and referrals.
Michelle and her team are just absolutely fantastic. In every transaction they will go above and beyond to make the transaction possible and smooth as possible. Michelle is prompt to respond and is always ready to meet any challenge. She is the best partner in the business and a pleasure to work with. And so is her Fabolous Marketing partner Chelsea Brand
Response from Owner
Thank you for your review! We're thrilled to hear about your positive experience with our team. Your feedback is truly valuable and we are so grateful for your support and referrals!
Working with Michelle and Chelsea at Guaranteed Rate was an absolute dream! They were responsive, knowledgeable, and incredibly supportive every step of the way. Their professionalism and dedication made the entire mortgage process smooth and stress-free. I can’t recommend them highly enough — true rockstars in their field!
Response from Owner
Your feedback is incredibly valuable. We're thrilled to hear about your positive experience with our team!. Thank you for your referrals and recommendations.
We recently worked with Michelle as our loan officer, and we couldn't be happier with the experience! From start to finish, Michelle was professional, knowledgeable, and incredibly responsive. She went above and beyond to ensure that every step of the process was smooth and stress-free.
Her attention to detail and clear communication made a typically overwhelming process feel manageable and even enjoyable. She always had our best interests in mind and worked hard to secure the best loan terms possible for us.
If you're looking for someone who truly cares about their clients and delivers exceptional service, Michelle is the one to trust. Highly recommend her to anyone in need of a loan officer you won’t regret it!
Response from Owner
We greatly appreciate your positive feedback and are thrilled to hear about your experience working with The Gemmell Team. Thank you for recommending our services and congratulations on your new home!
Michelle is an exceptional mortgage lender with an inspiring positive attitude and a wealth of knowledge in her field. Her eagerness to assist and her commitment to excellence makes her someone I’d confidently recommend to any client seeking guidance through the mortgage process.
– Andrea Curtis, Realtor
Michelle is an absolute delight to work with! As a real estate agent, it is so important to have partnerships with loan officers you know will take only the best care of your clients, and Michelle exceeds those expectations in every way. Not only is she knowledgeable and reliable, but she’s also funny, kind, and warm. She knows how to break down financing and explain things in a way that anybody can understand, whether you’re a first time borrower or a savvy investor. She’s consistently willing to brainstorm creative solutions for unique circumstances and assist in any way she can, I would HIGHLY recommend Michelle for any and all of your lending needs!
Response from Owner
We are absolutely thrilled to hear about your positive experience and thank you for your recommendation. We look forward to working with exceptional professionals like you in the near future.
Michelle is an absolute delight to work with! As a real estate agent, it is so important to have partnerships with loan officers you know will take only the best care of your clients, and Michelle exceeds those expectations in every way. Not only is she knowledgeable and reliable, but she’s also funny, kind, and warm. She knows how to break down financing and explain things in a way that anybody can understand, whether you’re a first time borrower or a savvy investor. She’s consistently willing to brainstorm creative solutions for unique circumstances and assist in any way she can, I would HIGHLY recommend Michelle for any and all of your lending needs!
AAdrianna W.
I cannot recommend Michelle enough. She is incredibly kind, knowledgeable, trustworthy, reliable, and hardworking. Over the years I’ve referred many clients to her, and every single one has had a wonderful experience. I’ve recommended her to close friends as well, and I trust her so much that I even used her when buying my own home.
One of the things I love most about working with Michelle is knowing my clients will be in the best hands. She gives 110%, no matter the size or complexity of the deal, and her dedication ensures that everything goes as smoothly as possible. The confidence she instills in both her clients and her partners is truly unparalleled—a breath of fresh air during what can be a very stressful home-buying process.
Michelle thinks outside the box and does whatever it takes to make a deal happen. She genuinely cares about her clients beyond just closing the deal and always goes above and beyond to ensure their needs are met. No question is ever too small or silly—she patiently explains everything until the client feels 100% comfortable and confident.
Even when faced with challenges, Michelle is resourceful and determined, always finding creative solutions. She is hands down the best in the business, and I’m so grateful to have her as a trusted partner. If you’re looking for a lender who truly puts clients first and truly gets things done, Michelle is the one to call!
Response from Owner
Your positive experience and feedback are truly appreciated. We are delighted to hear about the exceptional service The Gemmell Team provided. We look forward to working with you again in the near future!
As a Realtor posting on a lender's page, you know this endorsement has to be top-notch. Over the years, I’ve worked with numerous mortgage professionals, but Michelle truly stands out. For me and my first-time homebuyers—who often need extra guidance—communication is everything. Michelle consistently goes above and beyond to ensure a smooth process. The feedback I get from my clients about Michelle is always glowing. They describe her as compassionate, patient, and incredibly understanding. Whether it’s rescuing a challenging deal from another lender or tailoring a strategy to achieve a specific monthly payment, Michelle delivers every time. She meticulously works the numbers to provide a smart, actionable plan that benefits everyone involved. If you’re looking for a mortgage professional who makes the home-buying journey seamless, is a deal saver, and enjoyable, call Michelle. And don’t just take my word for it—visit her Facebook page to see more about her stellar work!
Response from Owner
We're absolutely thrilled to hear about your positive experience with The Gemmell Team. Thank you for your recommendation, we look forward to working with you in the near future!
