Bill Grath and Melissa DeBenedetto

Sep 22, 2026

5/5, would recommend to everyone for their real estate purchasing needs.

Aug 16, 2026

Melissa was amazing to work with, she is effective and works diligently for you. I will only use her in the future and 100% recommend her for any loan needs!!

Aug 4, 2026

Melissa went above and beyond for my client to help us get to closing. She was very patient and understanding, and guided us through every step of the way. I’m very grateful to have had her as our lender!

Everything went very well. They were quickly responsive and the whole process was way easier than I expected.

The people at rate were very helpful and knowledgeable.

Because of the excellent service from Melissa De Benedetto

The team was amazing! Great communication, answering every question very quickly and making the experience as smooth as possible.

100%

May 9, 2026

As a first time homebuyer and using a VA loan, I was completely lost, but Melissa took her time to explain every step of the process and was quick to respond to any questions I had. She is very knowledgeable about VA loans which put my nerves at ease. Would definitely recommend, especially if using a VA loan.

Transparency and ease of getting a loan

Mar 27, 2026

Working with Melissa was such a breeze and she made everything that was really complicated easy to understand. She really went above and beyond the entire time I worked with her. Highly recommend Melissa and her team!

I had a great experience working with Melissa and her team. My situation was very complicated and they guided me through the entire loan process with ease. I highly recommend Melissa and her team.

Jan 2, 2026

Bill & Melissa we're extremely helpful in securing Our mortgage and quickly responded to calls or emails with questions throughout the process.

Dec 21, 2025

We’ve been working with Bill and Melissa for more than 5 years and as usual, our most recent experience was quick, streamlined and painless. They have always been honest, kept us in the loop and put us in contact with one of their peers who’s assisting us with our Virginia property. We highly recommend them.

Because Melissa DeBenedetto is the best there is!

Oct 7, 2025

Melissa and Bill are a great team! While I mostly dealt with Melissa, I could tell it was a team effort that went beyond just Melissa and Bill. They handled my refinance with efficiency and kept me informed every step of the way. It was a pleasure working with them. If you're looking for a great team, Melissa and Bill at Rate are your people!

Sep 22, 2025

Melissa and her staff are phenomenal! This is the 2nd time using guaranteed rate with Melissa and we wouldn’t think of using anyone else for our mortgage needs! Thank you for all your help!

Great people

The entire staff at Guaranteed Rate has been wonderful and very responsive throughout my whole process.

Jul 11, 2025

The best great person

Very easy to work with, got things done quickly

They were very helpful, quick to respond, gave clear explanations, and were very understanding of any difficulties that came up in the moving process.

May 20, 2025

Melissa is Truly the Best in the Business! We recently closed on our first home, and I can say without a doubt that we wouldn’t have made it through the process without our team of vendors by our side. As a first-time homebuyer, there were so many unknowns, and it could have been overwhelming—but Melissa walked us through every step. From the very beginning, she was incredibly patient, informative, and encouraging. She took the time to walk us through every detail, educating us about each step of the mortgage process so we always knew what to expect. No question was too small, and no hurdle was too big—Melissa handled it all with confidence, clarity, and genuine care. Her and her team navigated many bumps in the road, unexpected situations, closing date switches, etc. At the end, she made sure we got to closing no matter what! I’ve known Melissa for years and have always admired her work ethic, professionalism, and dedication. Seeing her in action throughout this journey only deepened my respect for her. She’s not just a mortgage lender—she’s a true partner, advocate, and expert who goes above and beyond for her clients. If you’re buying a home—especially for the first time—Melissa is the person you want in your corner. We are so grateful for everything she’s done, and I wholeheartedly recommend her to anyone navigating the mortgage process. She’s simply the best!

Melissa is Truly the Best in the Business! We recently closed on our first home, and I can say without a doubt that we wouldn’t have made it through the process without our team of vendors by our side. As a first-time homebuyer, there were so many unknowns, and it could have been overwhelming—but Melissa walked us through every step. From the very beginning, she was incredibly patient, informative, and encouraging. She took the time to walk us through every detail, educating us about each step of the mortgage process so we always knew what to expect. No question was too small, and no hurdle was too big—Melissa handled it all with confidence, clarity, and genuine care. Her and her team navigated many bumps in the road, unexpected situations, closing date switches, etc. At the end, she made sure we got to closing no matter what! I’ve known Melissa for years and have always admired her work ethic, professionalism, and dedication. Seeing her in action throughout this journey only deepened my respect for her. She’s not just a mortgage lender—she’s a true partner, advocate, and expert who goes above and beyond for her clients. If you’re buying a home—especially for the first time—Melissa is the person you want in your corner. We are so grateful for everything she’s done, and I wholeheartedly recommend her to anyone navigating the mortgage process. She’s simply the best!

Great experience

Couldn’t have been more helpful

All closings always run on schedule and very smoothly

Mar 21, 2025

Answered every single question with patience and clarity. I would go with them again and again. I’m so grateful for their help. They explained every single question without hesitation. They never made me feel annoying. They went above and beyond. From the first phone call I could tell they were the lender I wanted to go with. Every other lender gave me gimmick salesman attitude, they were professional and kind. Definitely a must on your home buying journey!!!!

Mar 13, 2025

Loved working with Melissa and team! She listened to all my questions and always responded whenever I needed anything. Would recommend and work with them again !!

Melissa and the team were the best to work with. There’s no else I’d trust to get me a mortgage. Melissa outlined everything from start to finish and didn’t miss any details.

Rick and Lynda are so unbelievably helpful and kind. They know the ins and outs of this entire process.

Excellent service from the loan officer Chase McElliott

Very helpful and friendly.

Fast time to close, good communication, thorough

Melissa was very supportive and answered all questions. She made it work even when things were constantly changing. She was always positive, informative and provided solutions. I would highly recommend her and Rate.

Bill and Melissa were absolutely wonderful from start to end. They are the best professionals in the mortgage industry I have ever encountered.

Because Melissa and her team did a great Job, providing us information, different loan options, and supporting us through the process.

Bc they treated me like family

Bill, Melissa and the whole team are great, very attentive and knowledgable. We've used them a few times and would not want anyone else helping us through the mortgage process.

Great and attentive service

Excellent customer service

Because everyone was very helpful and their answer was really fast.

Experience throughout my 9 month process

Mar 29, 2023

I have had the pleasure of working with Melissa on my recent mortgage application. From start to finish, the entire process was seamless and effortless. Melissa was extremely knowledgeable about the industry and able to answer any questions I had quickly and efficiently. Throughout the process, Melissa was a patient and supportive advocate, always keeping my best interests in mind. They went above and beyond to ensure that I received the most favorable rates and terms possible on my mortgage loan. Their attention to detail and commitment to excellence was truly impressive. I would not hesitate to recommend Melissa to anyone in need of a mortgage broker. They were an absolute pleasure to work with and I am confident that anyone who chooses them will be in the best possible hands. Thank you Melissa, for all that you do!