Rate
Debra Chmiel

Debra Chmiel

SVP of Relocation Lending · Rate

5.0(145 reviews)

Reviews159

“Debra and team are the reason we were able to close on our home in time for our kids to start the school year on time. She was on top of everything, incredibly proactive and helpful.”

Debra and team are the reason we were able to close on our home in time for our kids to start the school year on time. She was on top of everything, incredibly proactive and helpful. Debra understood what my family needed and made it happen!

Kevin B.
“Debra was always available to answer questions, explain details thoroughly, and keep everything moving forward. I truly felt supported every step of the way.”

Debra and the Guaranteed Rate Affinity team were excellent throughout the entire home buying process. Communication was clear, timely, and professional from start to finish, and they made what could have been a stressful process feel much smoother and more manageable. Debra was always available to answer questions, explain details thoroughly, and keep everything moving forward. I truly felt supported every step of the way. I’d absolutely recommend them to anyone looking for a knowledgeable and dependable mortgage team.

“Debra, Anita, Joe, and Sharon went above and beyond communicating and providing the most stellar customer service and advice.”

I would call them the “dream team”. Debra, Anita, Joe, and Sharon went above and beyond communicating and providing the most stellar customer service and advice. This was our first purchase in 60 years and we were start to finish in 2 weeks. This dream team is a fantastic representation of your company and you should feel privileged to have them represent your brand.

Theodore W.
“My GRA team worked tirelessly to ensure that I could make the early closing. Ultimately, it was a success!”

During my home purchase, there was the opportunity to close early which was beneficial for both parties to the sale. My GRA team worked tirelessly to ensure that I could make the early closing. Ultimately, it was a success!

Maci J.
10/10
“Debra is such an absolute pleasure to work with! Makes everything as easy and painless as possible!”

Debra is such an absolute pleasure to work with! Makes everything as easy and painless as possible!

Joseph B.
“she has always been unbelievably helpful, prompt and accommodating. Whether sending pre-approval letters on weekends or working with us to get the best mortgage deal it has truly been a pleasure!”

I have been working with Deb Chmiel for five years now. Throughout our (very long) home search she has always been unbelievably helpful, prompt and accommodating. Whether sending pre-approval letters on weekends or working with us to get the best mortgage deal it has truly been a pleasure!

Andrew G.
“Excellent customer support from Debra Chmiel and Danielle Sherman.”

Excellent customer support from Debra Chmiel and Danielle Sherman.

Anil P.
“Working with Guaranteed Rate was a genuinely great experience from start to finish. The entire process was handled professionally, efficiently, and with excellent communication throughout.”

Working with Guaranteed Rate was a genuinely great experience from start to finish. The entire process was handled professionally, efficiently, and with excellent communication throughout. Buying a home can be stressful, especially while juggling work, moving, and tight timelines, but the team made everything feel organized and manageable.

Michael T.
“Debra, Danielle and the rest of the team were incredibly helpful, responsive and supportive of all of my first-time homebuyer questions.”

Debra, Danielle and the rest of the team were incredibly helpful, responsive and supportive of all of my first-time homebuyer questions. I highly recommend using GRA and working with Debra Chmiel!

Matt M.
“The team was super helpful in getting everything done before the closing date, answering all of my questions”

The team was super helpful in getting everything done before the closing date, answering all of my questions, and being responsive and on top of everything throughout the process.

Zelfa H.
“She was always so helpful and patient, answered every question I had, and honestly made the whole home buying process feel so much easier.”

I had such a great experience working with Debra. She was always so helpful and patient, answered every question I had, and honestly made the whole home buying process feel so much easier. I’m really grateful for her help and would definitely recommend her to anyone!

“She was always so helpful and patient, answered every question I had, and honestly made the whole home buying process feel so much easier.”

I had a great experience working with Debra. She was always so helpful and patient, answered every question I had, and honestly made the whole home buying process feel so much easier. I’m really grateful for her help and would definitely recommend her to anyone!

Zelfa H.
“Debra Chmiel, Neil Schwartz, and Sharon Gould were wonderful to work with throughout this whole home buying process. They worked really well with our Realtor, Danielle Fielder!”

Debra Chmiel, Neil Schwartz, and Sharon Gould were wonderful to work with throughout this whole home buying process. They worked really well with our Realtor, Danielle Fielder!

Tina M.
“They were very helpful with process and walked me through to the close. They also went above and beyond giving me calls outside of their schedules”

They were very helpful with process and walked me through to the close. They also went above and beyond giving me calls outside of their schedules

Dustin J.
“Debra Chmiel and her team were a huge help and were exceptionally responsive enabling us to quickly secure our mortgage.”

Debra Chmiel and her team were a huge help and were exceptionally responsive enabling us to quickly secure our mortgage.

Matthew S.
“Proactive for closing. Even Title Company said you were proactive and never the one we were waiting on.”

Proactive for closing. Even Title Company said you were proactive and never the one we were waiting on. Thank you.

Chris B.
“They delivered everything they promised in record time, and it was a very painless process.”

I gave a 10 because they understand the customer and they work with us in an urgent loan to close in our house. They delivered everything they promised in record time, and it was a very painless process. All the employees were very kind and willing to assist in all they can. Great bank with amazing people working there.

Noelia S.
“Guarenteed Rate provided the lowest interest rate among leading lenders, they were responsive and accurate throughout the process.”

Guarenteed Rate provided the lowest interest rate among leading lenders, they were responsive and accurate throughout the process.

Brian G.
“The process was smoothly, Debra Chmiel help me a lot answering all my questions, and the online method to upload the documents to provide the information needed was very easy and intuitive to follow.”

The process was smoothly, Debra Chmiel help me a lot answering all my questions, and the online method to upload the documents to provide the information needed was very easy and intuitive to follow.

Gustavo R.
“They reached out with good information and provided a great rate with low fees. They were not pushy on their sales approach and presented different scenarios that I had requested”

They reached out with good information and provided a great rate with low fees. They were not pushy on their sales approach and presented different scenarios that I had requested

Travis M.
“Everyone was incredibly helpful, knowledgeable, and responsive... The entire mortgage process was completed in just 15 days, when the typical timeline is closer to 30 days.”

I had an excellent experience working with this mortgage team. Everyone was incredibly helpful, knowledgeable, and responsive throughout the entire process, which made what can often be a stressful experience feel smooth and stress-free. Communication was clear, timely, and professional, and I always felt confident that everything was being handled properly. What truly impressed me was the speed and efficiency. The entire mortgage process was completed in just 15 days, when the typical timeline is closer to 30 days. That level of commitment, coordination, and attention to detail is outstanding. I highly recommend this team to anyone looking for a reliable, efficient, and supportive mortgage experience. From my family we are truly grateful for all your support and time getting us squared away!

“I appreciated that the contacts were responsive to my questions. It helped clarify things and make the process less stressful”

This was my first time getting a mortgage so I appreciated that the contacts were responsive to my questions. It helped clarify things and make the process less stressful or mysterious.

Keisha A.
“Extremely responsive. They were directly connected to my relocation company for direct billing.”

Extremely responsive. They were directly connected to my relocation company for direct billing. Plus, I never felt like a number. I had the same contact throughout the entire process who was able to answer all my questions.

Brian N.
“The teams flexibility was outstanding. We had roadblocks and hurdles and the team kept working through them.”

The teams flexibility was outstanding. We had roadblocks and hurdles and the team kept working through them.

Adam M.
“Affinity was with me every step of the way during my loan process. They were kind and helpful when answering my questions.”

Affinity was with me every step of the way during my loan process. They were kind and helpful when answering my questions.

Steven P.
“I have used Deb multiple times over the year and she and her team provide great service.”

I have used Deb multiple times over the year and she and her team provide great service.

Jose S.
10/10
“I appreciate that you inform me at each hand off to the next phase about who I'll be working with and what it's about. Thank you”

I appreciate that you inform me at each hand off to the next phase about who I'll be working with and what it's about. Thank you

Madonna K.
“Everyone that helped me though this process was both kind and helpful the whole time. I consistently got quick answers when i needed that”

Everyone that helped me though this process was both kind and helpful the whole time. I consistently got quick answers when i needed that, and it helped keep the process as stress free as it could have been. Thank you!

Eric O.
10/10
“I have enjoyed working with Debra so far! She has kept me informed throughout this process; I've never felt unsure at any point.”

I have enjoyed working with Debra so far! She has kept me informed throughout this process; I've never felt unsure at any point. She has kept me accountable for steps I need to take as well, which I appreciate as sometimes I need a little reminder.

Andrew S.
10/10
“I appreciate the help to close quickly”

I appreciate the help to close quickly

Kevin B.
“Debra & Team were very communicative and answered any and all questions promptly.”

Debra & Team were very communicative and answered any and all questions promptly.

Claudia L.
10/10
“Team has been responsive and quick”

Team has been responsive and quick

Michael S.
10/10
“Deb and her team have made this process seamless. Thank you”

Deb and her team have made this process seamless. Thank you

Rosemary W.
“Terrific step by step communication. Great combination of technology and human touch to help us through the process”

Terrific step by step communication. Great combination of technology and human touch to help us through the process

David B.
“Debra is a rock star”

Debra is a rock star

Joseph H.
“Great people. Very responsive. Took led on chasing down necessary information from other parties. Clear communications. Weekend support when needed.”

Great people. Very responsive. Took led on chasing down necessary information from other parties. Clear communications. Weekend support when needed.

Alexander L.
“I was really impressed with how quickly GRA was able to get the funding completed. … And Debra was able to match a lower rate from another lender.”

I was really impressed with how quickly GRA was able to get the funding completed. The mortgage was funded in 13 days (normally I plan for 30 days). And Debra was able to match a lower rate from another lender.

Kristen S.
“Great communication, both timely and direct. Able to answer questions quickly and efficiently.”

Great communication, both timely and direct. Able to answer questions quickly and efficiently.

Michael M.
“Just the best experience. This is my second loan with Debra and team, and can’t recommend them ENOUGH! They make the process SO smooth and easy!”

Just the best experience. This is my second loan with Debra and team, and can’t recommend them ENOUGH! They make the process SO smooth and easy!

Emily H.
“Debra was great to work with from the beginning! She was very thorough and straight forward with the process. She made the process simple and easy with the help of her team.”

Debra was great to work with from the beginning! She was very thorough and straight forward with the process. She made the process simple and easy with the help of her team.

“Extremely helpful and efficient team to work with! They got us approved and to closing in record time—would definitely recommend!!”

Extremely helpful and efficient team to work with! They got us approved and to closing in record time —would definitely recommend!!

Japheth P.View on Google
“Debra Chimel is amazing to work with!”

Debra Chimel is amazing to work with!

Adrian L.
“Debra was awesome, and Karen was pretty good too.”

Debra was awesome, and Karen was pretty good too.

Avery J.
“They made my closing happening when scheduling and more issues came across. They were flexible and supportive throughout the loan process making it really easy and transparent.”

They made my closing happening when scheduling and more issues came across. They were flexible and supportive throughout the loan process making it really easy and transparent.

Ana R.
“Debra Chimel and Ken Schmidt were great to work with. They were responsive, professional and helpful throughout the process.”

Debra Chimel and Ken Schmidt were great to work with. They were responsive, professional and helpful throughout the process.

Jonathan B.
“Outstanding support from the team, answering all questions in the most efficient way.”

Outstanding support from the team, answering all questions in the most efficient way.

Elman M.
“They helped every step of the process. I'd I had any questions they got back to me right away with an answer.”

They helped every step of the process. I'd I had any questions they got back to me right away with an answer.

Steven B.
“Had a very pleasant and professional experience working with the Debra Schimiel and her team”

Had a very pleasant and professional experience working with the Debra Schimiel and her team

Ruth N.
“Debra was incredibly helpful throughout the entire process and matched a rate I found!”

Debra was incredibly helpful throughout the entire process and matched a rate I found!

Zackary R.
“Debra, Sharon and Karen were always knowledgeable, courteous, and efficient, going above and beyond to address my concerns and questions promptly.”

I have been consistently impressed with the exceptional customer service provided by Guaranteed Rate Affinity. Debra, Sharon and Karen were always knowledgeable, courteous, and efficient, going above and beyond to address my concerns and questions promptly. Whether it was a simple inquiry or a complex issue, they handle every situation with professionalism and a genuine desire to help. Their commitment to providing top-notch customer service is truly commendable and has made my mortgage experience incredibly smooth.

Mario U.