Today · 9 AM – 5 PM
Office hours
Based on 60 star reviews
Based on 61 reviews
Buying a home in Hawaii is intimidating, but Nick and his team made it easy. Nick earned our trust from the beginning with his honesty, knowledge, reliability, enthusiasm, and genuine concern. We only had experience with buying a new build, so most of the buying process was unfamiliar to us, but Nick was able to educate us and guide us down the best path for our family. If I had to start the process again, he would be the first person I called.
Timely responses, successful transaction, respectful communication
Nick is amazing to work with. Always quick to respond to questions or concerns, we felt that we could not be in better hands when we needed a mortgage for our dream home. Mahalo nui.
Nick and the team did a very good job keeping us update to date on the process.
Easy to work with. Great service
Easy process, and extreme clarify provided
We love working with Nick and his team at Rate. Would recommend them to anyone.
Nick is the man! Made the process as smooth and easy as possible and is always responsive. Highly recommend
Experienced, professional and easy to work with. 10/10 would recommend!
Nick and his team were great throughout this whole process. I felt like he had my best interests in mind. He was available for all my questions and was extremely helpful. His team worked with me through the whole process and I appreciate them. 10/10 would go with them again
Exceptional Service from Start to Finish! Nick Adey at Rate made my entire home buying process smooth, transparent, and stress-free. He was incredibly knowledgeable, patient, and always available to answer my questions. Nick took the time to explain every step of the process, found me the best rate possible, and made sure I felt confident in every decision. His professionalism and genuine care for his clients really stand out. I couldn’t have asked for a better experience—highly recommend Nick to anyone looking for a trustworthy and dedicated loan officer!
Smooth and easy
We closed in about 28 days. Also the tracking process was excellent and the team we worked with quickly solved any issues or answered any questions.
Clear, great communication and helpful the entire way.
The best loan guy around. We “called an audible” on Nick the day before closing on a property and decided to purchase a different property. Without skipping a beat Nick was able to cancel the existing VA Loan we were about to sign; get us approved for a new loan; oh and we closed in 3 weeks! He and his whole team are rockstars!
Best mortgage officer you will have. Helpful in every aspect.
Nick did an awesome job. He explained everything to me in simple terms and was on top of deadlines. Felt like I didn't have to worry through the process and was very transparent with me
Nick and his team were extremely responsive and helpful - would highly recommend
Nick made the VA loan process easy and stress-free for this first-time home buyer. He didn’t just give me a number — he walked me through different monthly payment options, how they fit my budget, and made sure I wouldn’t feel “house broke.” Knowledgeable, responsive, and genuinely caring — highly recommend!
Working with Nick was an outstanding experience. As a first-time home buyer using the VA loan process, I had plenty of questions, and he took the time to explain everything clearly and thoroughly. Nick didn’t just write a number on paper — he walked us through different monthly payment options, how each would fit into our budget, and made sure we would be comfortable without feeling “house broke.” He was responsive, knowledgeable, and kept the process smooth from start to finish. His expertise and genuine care made buying our new home in Oahu stress-free. Highly recommend him to anyone!
As a first-time homebuyer, I had an extremely positive experience with the Guaranteed Rate team.
Working with Nick Adey made the whole process incredibly smooth and easy.
I can’t think of anything they could have done better.
Nick was flexible, solution-oriented and always took the time to walk me through the best way to get to "yes".
As a first-time homebuyer, I was very pleased that I chose to work with Nick. From the start, he was extremely helpful and patient, taking the time to answer all my questions and clearly explaining the overall process. I would highly recommend him (and his team) to anyone thinking of buying a house!
Nick and his team were outstanding. They made the process surrounding all the financials of buying a home very seamless. Nick was upfront and provided the most clarity possible so that someone who had never bought a home before (me) knew exactly what was going on and how it would reflect financially. If I needed anything, he was there, and he still is. You can tell that Nick genuinely does this to help, serve, and has the customer’s best interest in mind. There was a lot less stress on me because I could trust him. Highly recommend!
As a first time home buyer I went into the process with a lot of questions and anxieties. Nick and his team did a tremendous job ensuring that I was well informed every step of the way. Whenever I had any questions or concerns about any steps in the process I was always met with extremely swift and helpful responses. Overall the process of buying my first home went extremely smoothly and a large part of that was due to their amazing guidance through the lending process. I highly recommend!
Nick was great to work with, very knowledgeable and always available. Very upfront and honest throughout the whole process and I especially appreciated that he would break things down for us in ways we understand and agreed on. I can’t recommend him enough and there is no doubt I will be using his services again on our next home
My family and I have all worked with Nick on several occasions, each time he reminds us why we keep going back. Nick is professional, proficient, and knowledgeable. Every time I have worked with him he has gone above and beyond to make this process go quick and smoothly. He takes interest and you can tell he genuinely cares. This stressful process ended up being a breeze yet again, thanks to Nick and his team.
Nick is a solid guy that really knows his stuff. He helped me a ton through the loan and buying process for my first home purchase. He cares more about making sure his clients are in budget than he does making a profit.
Nick has helped my family secure mortgages on multiple occasions. The most recent was a unique situation in which we completely renovated the home prior to purchase. Nick worked closely with our realtor and contractors to ensure our best interests were always top of mind and that we had everything we needed. His professionalism, clear communication and understanding of the process made for an stress-free purchase. Thanks Nick!
Very responsive and kept us educated along the way.
The team was very responsive throughout the entire process
The branch manager that worked with us was great. She treated us really well she was nice and attentive. She always answered our questions and got back to us quickly.
Excellent efficient service
Scott and his team were knowledgeable, responsive and had my back at all times!
Nick is so knowledgeable and efficient! He also was extremely patient and professional through the whole process. He really cares about his work and his clients. I will recommend him to everyone I know.
My lender never stopped helping my kids and I get into the home of our dreams. Also we worked very close together to get my interest rate and monthly payments at a price I can afford!
the process was effortless and quick
Eficiente
My mortgage officer, Nick Adey, was extremely helpful.
Because they are helpful and quick that some mortgage companies that I know
Made everything about the process super convenient and easy.
The professionalism and customer service is second to none.
Nick helped us make what seemed like the impossible happen for us with his guidance and responsiveness!
Nick and his team did an amazing job helping us throughout the whole process
Guaranteed Rate made the process very easy and thorough. Representatives remained professional throughout.
I had the pleasure of working with Nick Adey as my Loan Officer while undergoing my home-buying process with guaranteed loans. I have experience of having worked with two previous lenders in the past 6 years on previous home purchases, and Nick far outshined both. Nick had amazing communication, effectively and efficiently, answered questions, and got the job done in a timely fashion. If there were things, I did not understand, Nick took extra time to break them down until everything was crystal clear. Nick truly surpassed my every expectation, and I would hands down use him again and refer him to any family or friend looking for a loan officer.
This rating is due to the priority you guys provide to your customers.
Nick Adey and his team at Guaranteed Rate have turned the long, arduous home buying process into a stress free enjoyable experience. My wife and I were recommended Nick Adey at Guaranteed Rate by a colleague once moving to Hawaii. We were very impressed by the praises we continued to hear and decided to give Guaranteed Rate a try. Guaranteed Rate kept all lines of communication open at all times and were always ready to answer any important questions that may have arisen on our end; especially at 9 p.m. on a Saturday night. Never have my wife and I felt more like family when working with a Lender. When the time comes to move and/or buy a second home there is no other person and team we would use other than Nick Adey and Guaranteed Rate. Nick, mahalo nui loa for your time, expertise and professionalism. You have our business and recommendation for life!