“Working with Michelle has been one of the best financial decisions we have made as a family. She is an experienced, principled professional who knows us.”
Glad for the chance to broadcast about how great Michelle Chmelar has been as an advisor, and trusted loan guru. We have worked with her since 2001, and she is as important to our family as any trusted professional could possibly be. 6 separate loans, refi’s, and heloc’s later, we are so lucky to have such an easy relationship with an experienced, principled professional who knows us. She answers all our questions patiently, and completely, and can confidently advise us. Working with Michelle has been one of the best financial decisions we have made as a family. We’re grateful to her, and if she is available to serve you as well, you’ll be lucky!
Response from Owner
I am humbled by your kind words, Scott. We have worked together from one coast to the other, and it's been a great journey. I'm always here for you.
“I've been working with Michelle since the '90s. She is simply the best. Smart, responsive, always full of great ideas and a joy to work with. Look no further. Seriously.”
I've been working with Michelle Chmelar since I bought my first house in the '90s. She is simply the best. I wouldn't work with anyone else, and Michelle has helped me with multiple properties since. Smart, responsive, always full of great ideas and a joy to work with. Like I said, simply the best. Look no further. Seriously.
Response from Owner
Thanks for your wonderful review, Wendy. I am always happy to hear from you!
“She was incredibly professional, knowledgeable, and responsive. She took the time to clearly explain every step and made what can often be a stressful process feel smooth.”
Working with Michelle Chmelar was an exceptional experience from start to finish. She was incredibly professional, knowledgeable, and responsive throughout the entire loan process. Michelle took the time to clearly explain every step, answered all my questions with patience, and made what can often be a stressful process feel smooth and manageable.
What really stood out was her dedication and attention to detail. She worked hard to make sure everything stayed on track and always kept me informed. I truly felt that she cared about helping me secure the best possible outcome.
Thanks to Michelle’s guidance and expertise, I was able to successfully obtain my loan with confidence. I’m very grateful for her support and would highly recommend her to anyone looking for a reliable and outstanding Loan Officer.
Response from Owner
Thank you for your review, Esteban! It was a pleasure working with you. It took some planning and strategizing to craft the perfect loan, but in th end, we definitely made it work. It's going to be an amazing place!
“From start to finish, she was incredibly knowledgeable, patient, and supportive, making the entire process feel manageable and far less overwhelming. I would highly recommend her.”
Michelle is a delight to work with. She came recommended from someone else who had a great experience and knew that she was the best option for me. From start to finish, she was incredibly knowledgeable, patient, and supportive. She was always available to answer any questions —no matter how small and often too many haha—making the entire process feel manageable and far less overwhelming.
Michelle is dedicated and will do everything to get you the best deal. She consistently went above and beyond to ensure everything stayed on track and that I understood each step along the way. From start to finish, she was incredibly knowledgeable, patient, and supportive. As a first-time buyer, I had many questions, and she was always available to answer them—no matter how small—making the entire process feel manageable and far less overwhelming.
What truly stood out was her dedication and responsiveness. She consistently went above and beyond to ensure everything stayed on track and that I understood each step along the way. Even after closing, she remained available to help resolve any issues that came up, which speaks volumes about her commitment to her clients.
I would highly recommend her to anyone looking for a reliable, attentive, and genuinely caring loan officer. Even after closing, she remained available to help resolve any issues that came up, because she’s that committed!
I would highly recommend her to anyone looking for a reliable, attentive, and genuinely caring loan officer.
Response from Owner
Thank you for your endorsement, Fiorella. I always strive to be your first point of contact for any questions that come up before or after closing. Glad to hear that it's working!
“Michelle Chmelar is excellent. I’d never use anyone else. We have worked with her for 25 years.”
Michelle Chmelar is excellent. I’d never use anyone else. We have worked with her for 25 years.
MMaura D.
“She makes the application and loan fulfillment process very simple.... Michelle is hyper responsive and responsible and keeps us in tight communication so there's never a worry.”
Michelle is our only mortgage broker, she is the best. I no longer shop around looking for better deals when I know I'll get the best for my family from Rate and get THE best service from Michelle. She makes the application and loan fulfillment process very simple and is able to process the required documentation without complications. Michelle is hyper responsive and responsible and keeps us in tight communication so there's never a worry or wonder about what's going on with the loan. We have done 2 mortgages and one HELOC with Michelle and Rate, I recommend her and Rate wholeheartedly and without hesitation.
Response from Owner
Thank you for your endorsement and kind words. It is always a pleasure working with you, and can't wait to see the updates on your home!
“Michelle and her team are outstanding. I’ve worked with her on several homes over the years, and every experience has been smooth, well managed, and incredibly responsive.”
Michelle and her team are outstanding. I’ve worked with her on several homes over the years, including both purchases and a recent refinance, and every experience has been smooth and well managed.
She’s incredibly responsive, knowledgeable, and always works hard to secure the best rate possible. At this point I’m a loyal client and wouldn’t hesitate to recommend her to anyone looking for a great mortgage broker. I look forward to working with her again in the future.
Response from Owner
Thanks for sharing your positive experiences working with me over the years. It's always a pleasure hearing from you, Patrick, and I really appreciate your loyalty and trust in me.
“Michelle is a lifesaver. I have never worked with anyone that is more knowledgeable, kind and professional. She has made the process of fulfilling my dream of owning a home feel very safe.”
Michelle is a lifesaver. I have never worked with anyone that is more knowledgeable, kind and professional. She has made the process of fulfilling my dream of owning a home (which can feel very precarious at times) feel very safe and that I am not alone. She is totally thorough and communicative and has more knowledge than most people I have encountered.
Response from Owner
Thank you so much for your glowing review. I always hope that my clients feel this way and know that I am on task from pre-approval to post-closing. I appreciate your confidence in me and loved working with you!
“We have done business with Michelle twice, and both experiences were excellent. She was very easy to work with, highly responsive, and always took the time to explain everything.”
We have done business with Michelle not once, but twice, and both experiences were excellent. She was very easy to work with, highly responsive, and always took the time to explain everything clearly. She was extremely patient with us, answered all of our questions, and never once seemed bothered by any of our concerns. Michelle was truly great to work with, and I highly recommend her.
Response from Owner
Thank you so much! It's a pleasure working with both of you. I appreciate your trust in me and always enjoy hearing from you. Thank you!
“Michelle was extremely knowledgeable, accessible, kind, and professional. We would encourage first time home owners to work with her, she made the process seamless.”
My husband and I worked with Michelle back in 2019 when we were buying our first home. Michelle was extremely knowledgeable, accessible, kind, and professional. We would highly recommend working with Michelle. We would encourage first time home owners to work with Michelle as well, she made the home buying process seamless.
Response from Owner
Thank you for your kind words! It was great working with you and I really appreciate your referrals and connecting with you to discuss your next steps.
“Michelle is thoughtful, responsive, and committed to getting her clients the absolute best rate. Mortgages are involved processes, but Michelle goes above and beyond.”
Michelle is thoughtful, responsive, and committed to getting her clients the absolute best rate for their biggest purchases of their lives. Mortgages are inherently involved processes, but Michelle will go above and beyond to make it all go smoothly.
Response from Owner
Thank you so much for the wonderful review. I really appreciated working with you!
