“Excellent customer service, including after hours. All of my questions were answered promptly. Mike Garay is thoughtful and kind, he went above and beyond to help me.”
Excellent customer service, including after hours. All of my questions were answered promptly. Mike Garay is thoughtful and kind, he went above and beyond to help me.
“Mike was a pleasure to work with! He kept me, my clients and the sellers team updated regularly. ... His timelines were clear and we closed escrow right on time.”
Mike was a pleasure to work with! He kept me, my clients and the sellers team updated regularly. I sincerely appreciate that solid, professional communication. His timelines were clear and we closed escrow right on time. I'd work with Mike Garay again, anytime!
Response from Owner
We are glad to hear about your positive experience with our professional communication and timely closing process.
“I am grateful for Mike’s patience and persistence in making sure I understood the requirements, and the steps of the loan process. Mike shopped the best rate and lender for our needs.”
A business experience is a human experience. In an age that business is conducted remotely and impersonal, this one was different. Michael Garay called me once per day or as often as needed to “walk me through” the steps of the loan application. He understood that many people who go through a loan process, it could possibly be their FIRST time. I am grateful for Mike’s patience and persistence in making sure I understood the requirements, and the steps of the loan process. I will close by adding that Mike shopped the best rate and lender for our needs that added peace of mind. I recommend Mike Garay and the company he represents to provide professional lending services. -Cesar
Response from Owner
Cesar, thank you for taking the time to share such a thoughtful reflection on your home loan experience. I completely agree that lending should feel human, and keeping you informed every step of the way is always my top priority. While I'm proud we secured a great fit for your needs, I'm always looking to refine my service. If there's anything I could have done to make this process even smoother, please let me know!
“Mike was incredibly helpful throughout the entire home loan process. He was always communicative, responsive, and clear, making sure we understood each step along the way.”
Mike Garay was incredibly helpful throughout the entire home loan process. He was always communicative, responsive, and clear, making sure we understood each step along the way. Mike worked hard to get us exactly what we needed for our new home purchase and made what could’ve been a stressful process feel smooth and manageable. Highly recommend him to anyone looking for a reliable, knowledgeable, and supportive loan officer.
Response from Owner
Hi Ralene, thank you so much for your trust and giving me the opportunity to help you and your family! It was a welcome challenge that I took as a personal mission to make sure everything worked out. I appreciate your kind words in your review. It means a great deal to me and my business. From my family to yours, "Welcome to the neighborhood"
“He took lead and kept me informed with every step. Any hiccup we encountered was tackled quickly which made this process a breeze. I don't think this would have gone through if not for his help.”
Mike made this process eazy. He took lead and kept me informed with every step. Any hiccup we encountered was tacked quickly which made this process a breeze. I will definitely refer everyone I know to this company. I don't think this would have gone through if not for the help and attentiveness of Mike Garay. Thank you from the bottom of my heart!
Response from Owner
Rolando, thank you for wonderful review of my mortgage lending service! You trusted me when you bought your first home and you trusted me on your recent loan. I hope to be the first mortgage lender you think of throughout your real estate ownership adventure. I always strive to leave people in a better spot than when we meet. I wish you and your family all the best, Rolando!
“Their awesome service, quick responses, and trustworthiness eased my mind and the only emotion I felt was excitement to move into my new home.”
I had always been kind of reluctant to buy a home, but thanks to Mike and his team the process went a whole lot smoother than I thought it would. I witnessed many friends and family feel lost, stressed, scared, and just a mess during their homebuying experiences. I was scared at first, but thanks to Mike and his team, my first homebuying experience went pretty smoothly. Their awesome service, quick responses, and trustworthiness eased my mind and the only emotion I felt was excitement to move into my new home. Can't thank them enough, and hope if your reading this to find a lender you can trust, Mike and his team are an excellent choice!
“Michael Help me buy my first house. He was very clear and always had time to answer any questions and doubts I had.”
Hi my name is Jose. Michael Help me buy my first house. He was very clear and always had time to answer any questions and doubts I had. He was always respectful and treated me as a good friend. Unlike my friends that went with somebody elseI, i didn't have any hidden costs or surprises the way he explained everything to me was the way it went and was. Till this day he still answers any questions i have. This is the first review I have ever written for anybody and he deserves it. THANK YOU Michael
“Our entire process was really kept on track by Mike with is weekly status updates and constant communication with both buyer and seller.”
I am a first time buyer and have been working with Michael Gray for over a year yes i was a project but having Michael as a loan officer made everything easy and understanding.From the very start he was clear, organized and full of answers to all of my questions. I knew exactly what information was needed from the very beginning of the process and if I had any questions, Mike was so easy to contact and his response time was incredible. Our entire process was really kept on track by Mike with is weekly status updates and constant communication with both buyer and seller. Even my Realtor was impressed and told me he was one of the best she has worked with in the industry and will recommend Mike again for future clients. I can't say enough great things about Michael if you need a mortgage, there is no one better. Highly, highly recommend. Thank you once again Michael..!!!
Response from Lender
Ismael, after reading this my jaw dropped in amazement and gratitude. Thank you for your kind words. It means a great deal to me to be able to have helped you and two of your fellow co-workers. Working with you over the past year or so means a lot to me because we both went through the journey together. Thank you, Ismael, for allowing me the honor of helping you and your family to buy your first home. Congratulations. You're going to go far in life!
“Mike Garay was great to work with!!! He was always there to answer any questions I had and went above and beyond to make everything work.”
Mike Garay was great to work with!!! He was always there to answer any questions I had and went above and beyond to make everything work. Would recommend them 100%!!
“Thanks to Michael Garay from Platinum Mortgage, I was able to consolidate plus have extra money for an emergency.”
I tried to refinance twice and was told I did not qualify. All I wanted to do was to consolidate all my debts into one. Therefore I would only have one payment. I didn't understand why I didn't qualify since I was able to pay my debts every month. Thanks to Michael Garay from Platinum Mortgage, I was able to consolidate plus have extra money for an emergency. Thank You
“You exhibited a great amount of knowledge and patience during our home buying process. Even during our moments of heavy sighs you kept the process upbeat.”
Thank you Mike. You exhibited a great amount of knowledge and patience during our home buying process. Even during our moments of heavy sighs you kept the process upbeat. We appreciated your quick responses to our many calls, texts and email. Your willingness to handle our concerns yourself instead of delegating them meant a lot as buyers. This purchase was a very positive experience for us. Hopefully we can work together in the future if the need arises.
“But Mike guided me through the whole process told me what I needed to do to improve my credit and I was able to get cleared and start looking for a home.”
I had worked with Michael for at least two years. The only reason it took that long was because I had filed for bankruptcy. But Mike guided me through the whole process told me what I needed to do to improve my credit and I was able to get cleared and start looking for a home. The process is not easy for all so you must have good communication with your lender and ask questions. Every time I did Mike was there to help, even when I would the same questions over and over again. But that was only because I was too excited and things would go over my head. Thank you again Mike there's nothing like having your own home. Fernando
“Mike did an excellent job in putting together our financing for an REO purchase. I was kept in the loop throughout the whole process.”
Mike did an excellent job in putting together our financing for an REO purchase. I was kept in the loop throughout the whole process. Mike was upfront with us and responsive. I'm satisfied with my loan terms and felt Mike was a good advocate for us. Highly recommended!
Response from Lender
Thank you, Jorge. I'm proud to have been able to help you and your wife. You are one of my FAVORITE clients. I'm excited to see what the future holds for you.
“Mike was amazing to work with. Kept us in the loop every step of the process. Would not trust my loans with anyone else!”
Mike was amazing to work with. Kept us in the loop every step of the process. Would not trust my loans with anyone else!
Response from Owner
Josh, thank you for allowing me to help you and your family on this purchase. It means a lot to me that you gave me another shot at helping you buy another home. I don't take your confidence lightly. I look forward to helping you in the future.
“Great Experience! Mike was fast with every aspect of the process. He also took the time to explain real estate jargon to us at every step of the way.”
Great Experience! Mike was fast with every aspect of the process. He also took the time to explain real estate jargan to us at every step of the way.
Response from Owner
Thank you, Sylvia! We realize that there are timelines to these transactions that are important to all parties of the real estate settlement process. We do our best to meet or beat the deadline. We also realize that real estate transactions can be confusing and intimidating. We do our best to explain the process, address your concerns, and make sure you're comfortable/confident along the way. Welcome to the neighborhood!
“Very knowledgeable in his field and makes the process smooth, have recommended him to friends and family and definitely would do more business with him. Outstanding service.”
Very knowledgeable in his field and makes the process smooth, have recommended him to friends and family and definitely would do more business with him. Outstanding service.
Response from Owner
Alfredo, thank you for your 5 star review and feed back. I appreciate you taking the time out of your day to leave a review. We have a history together in real estate financing and I'm happy to say that each time you ask for my help I am able to deliver the results you sought. I hope I can continue to help you in the future. I appreciate you and your business.
“Mike was very helpful throughout the process as well as communicating with me and allowing me to call or text when I didn’t understand... Had a great experience.”
Mike was very helpful throughout the process as well as communicating with me and allowing me to call or text when I didn’t understand certain things and was able to explain and walk me through what needed to be completed. Had a great experience.
Response from Owner
Norma, thank you for your 5 star review of my mortgage lender services. I appreciate your kind words and confidence in me. Communication is critical to ensure that all stakeholders (buyers, listing agents, buyers agents, and escrow officers) are informed during these highly intense transactions. I realize that home buyers don't do this for a living, are overwhelmed, and have questions. Therefore, I strive to proactively communicate/update and respond when there are questions. I'm so glad everything worked out and I look forward to helping you and your family again.
“Mr. Garay made my new home purchase quick as easy. He walked me through the loan process and responded quickly and politely with all questions I had.”
Mr. Garay made my new home purchase quick as easy. He walked me through the loan process and responded quickly and politely with all questions I had. I would highly recommend him to any home buyer.
“Mike is awesome he makes time for me whenever I get in a bind with my computer, he is patient, understanding,informative with your options”
Mike is awesome he makes time for me whenever I get in a bind with my computer, he is patient, understanding,informative with your options, makes the experience as less stressful as possible .
“Mike was not only professional but very helpful as well throughout the escrow process”
Mike was not only professional but very helpful as well throughout the escrow process
“Michael and his team were a pleasure to work with. My situation was not an easy one to finance and they were able to help me and find me very favorable terms.”
Michael and his team were a pleasure to work with. My situation was not an easy one to finance and they were able to help me and find me very favorable terms. I would highly recommend them to anyone.
“I really like doing our refinancing our property, with Mr Garay and his business,he is very well proffecional.”
I really like doing our refinancing our property, with Mr Garay and his business,he is very well proffecional. I defenily I' kl recommend him to every body. Thank you so much
“Mike is the Best! We have used him many times and will use him in the future! He is very easy to talk to and always willing to help.”
Mike is the Best! we have used him many times and will use him in the future! He is very easy to talk to and always willing to help. thanks again Mike!
Response from Owner
Thank you from the bottom of my heart, Tammie! We certainly do have a history spanning years. I love being part of your life journey. I am honored to help you with all of your real estate financing needs and I welcome the opportunity to help you/your friends/and family in the future! Welcome home, Tammie.
“Guaranteed Rate was very easy to work with and gave us the results we needed!”
Guaranteed Rate was very easy to work with and gave us the results we needed!
“They were patient and were available to assist me when needed”
They were patient and were available to assist me when needed
“Very helpful, kind and professional!”
Very helpful, kind and professional!
Response from Owner
Crista, helping you was such a fulfilling experience. Understanding your situation and what was at stake kept me totally determined to make sure things worked out on your timeline. I know that you have big things in your future and I hope to be there whenever you need me. Thank you for allowing me to help you.
“It was such an easy process!”
It was such an easy process!
“Great service.. friendly & very helpful..!”
Great service.. friendly & very helpful..!
Response from Owner
Hi Tina. Thank you for your kind words. I appreciate the opportunity to help you on the refinance. Thank you for always calling me. I am always happy to help; whatever the situation. I look forward to our next Staffords coffee!
“My experience overall with rate has been a great one”
My experience overall with rate has been a great one
“Good overall experience”
Good overall experience
“Good service”
Good service
“Easy to use”
Easy to use
Response from Owner
Thank you for taking the time to leave a 5-star rating, Jonathan. Your trust and support mean a great deal to us.
Response from Owner
Hi Mayra. Thank you for your five star review. It was a pleasure helping you out with your loan.
Response from Owner
Andy, it's been an absolute pleasure guiding you through the home loan process from start to finish. I'm so glad we could make everything smooth and straightforward for you.