“A true expert in mortgage lending. His attention to detail and unwavering commitment to client comfort made a complex process feel effortless. I trust him completely.”
The best in the business—from a client and colleague
Alton O'Shields is a true expert in mortgage lending. I first had the pleasure of working with him for my own mortgage, and the experience was exceptional. His attention to detail and unwavering commitment to client comfort made a complex process feel effortless. Because of this outstanding personal experience, I have confidently referred my own clients to him. Every single one has been thrilled with the service they received. Alton's honesty and integrity are unmatched, and his ability to deliver results sets him apart. I trust him completely and highly recommend him to anyone in need of a top-tier lender.
“From start to finish, Alton was incredibly responsive, always quick to answer questions and provide updates, which made the entire process feel seamless and stress-free.”
I had the absolute pleasure of working with Alton OShields as my loan officer, and I couldn’t be more impressed. From start to finish, Alton was incredibly responsive, always quick to answer questions and provide updates, which made the entire process feel seamless and stress-free. His knowledge and guidance were invaluable, and he took the time to explain everything clearly, making sure I felt confident at each step. Beyond his professionalism, Alton was genuinely pleasant and kind to work with — his positive attitude made what can often be a stressful process feel easy and even enjoyable. I truly appreciate his dedication and support, and I would highly recommend Alton to anyone in need of a loan officer who goes above and beyond.
“Alton exceeded our expectations. Even our after hours calls being answered right away . We highly recommend him to everyone.”
i have to admit it. Alton exceeded our expectations. Even our after hours calls being answered right away . We highly recommend him to everyone.
Response from Owner
Sergey, it was a genuine pleasure guiding you through the home loan process. I always want to make sure you're supported, even when questions pop up after standard business hours. Helping you achieve your goals smoothly means a lot to our entire team. I appreciate you taking the time to share such kind words.
“Alton made the entire mortgage process seamless, taking the time to explain every detail with incredible patience and professionalism.”
As a first-time homebuyer, I couldn't have asked for a better experience. Alton made the entire mortgage process seamless, taking the time to explain every detail with incredible patience and professionalism. Alton was genuinely kind, incredibly responsive, and went above and beyond to make sure I felt confident every step of the way. I highly recommend Alton and the entire team at Rate to anyone looking to buy a home!
“Alton did an amazing job... He helped me feel comfortable with my offer, patiently answered all the questions I had, and guided me through my first home buying experience.”
Alton did an amazing job in helping me purchase my first home in a very competitive market. He helped me feel comfortable with my offer, patiently answered all the questions I had, and guided me through my first home buying experience. 10/10, would recommend working with him when looking to buy a home!
“Alton made the financing side feel so much less overwhelming. He was responsive, knowledgeable, and always took the time to explain everything so we felt confident.”
Working with Alton at Rate Mortgage was such a great experience. He was incredibly helpful from start to finish and was always there to answer my (many!) questions. We hit a few hiccups along the way, but he walked us through every one of them and made sure everything stayed on track.
Buying a home can definitely be stressful, but Alton made the financing side feel so much less overwhelming. He was responsive, knowledgeable, and always took the time to explain everything so we felt confident every step of the way. We’re so grateful for all of his help and would absolutely recommend him to anyone looking for a lender!
“He is endlessly creative and always thinking outside the box when it comes to loans... supported, guided, and set up for success. I cannot recommend him enough.”
Alton operates at the highest level when it comes to mortgages. He truly one of the best in the business. He is endlessly creative and always thinking outside the box when it comes to loans, finding solutions that work uniquely for each client. Most importantly, he really listens to what matters most to his clients and builds a plan around that.
I always tell my clients: purchasing a home may be the biggest investment you ever make, and that’s exactly why you need the very best on your team. With Alton by your side, you are in the best hands, supported, guided, and set up for success. I cannot recommend him enough and I promise you no one will care more about your success.
“Alton went above and beyond to make the mortgage process as smooth and painless as possible. His expertise and dedication were truly instrumental in helping us secure our dream home.”
Alton went above and beyond to make the mortgage process as smooth and painless as possible. From start to finish, he was incredibly responsive, highly knowledgeable, and always available to guide us through each step. His expertise and dedication were truly instrumental in helping us secure financing for our dream home. We are deeply grateful for his support and cannot recommend him highly enough.
“He’s extremely reliable, always willing to explain anything, and make time for my buyers. He’s very knowledgeable and makes my job as a realtor way easier.”
Alton is by far the best lender I’ve had the pleasure of working with. He’s extremely reliable, always willing to get on a call, explain anything, and make time for my buyers.
He’s very knowledgeable and I recommend him 10 times out of 10. He makes my job as a realtor way easier and I’m always learning from him.
“Buying our first home seemed like a scary goal. But Alton was incredible. He was with us every step, answering questions patiently and securing a lower interest rate right before closing.”
Buying our first home seemed like a scary and unattainable goal. But Alton was incredible. He was with us every step of the way, answering all of our questions so patiently and promptly and helping us understand what everything meant and what would make sense for us. He looked out for us until the very end, securing a lower interest rate for us right before closing. 10/10 would recommend. Thanks Alton!
“Alton was a tremendous help! He walked us through financial scenarios and made sure we felt comfortable. He was available at the drop of a hat when we decided to put in an offer.”
Alton was a tremendous help throughout our home-buying process! He helped walk us through various financial scenarios and made sure we felt comfortable and confident in our purchase. Not only that, but he was available at the drop of a hat when we decided to put in a home offer. We highly recommend working with Alton and Rate!
“He is exactly what all Buyers need in this competitive market. His professional approach is invaluable... and remains to help the client every step of the way!”
Alton serves all of my clients needs and is always available and responsive! He is exactly what all Buyers need in this competitive market. Alton is responsive , knowledgeable and communicative. His professional approach is invaluable, especially to first-time homebuyers. Alton’s support takes away the fear of the unknown and remains to help the client every step of the way!
“As first time homebuyers, we felt assured and confident with Alton. He was communicative, professional, and super knowledgeable, getting us ready for closing ahead of schedule.”
Our experience with Alton was fantastic. We messaged him on a weekend and he was responsive and sent us all our paperwork. He was communicative, professional, and super knowledgeable! As first time homebuyers, we felt assured and confident with Alton. He had us pre-approved and ready for closing ahead of schedule. We cannot thank Alton enough for his expertise and amazing communication skills!
“My wife and I recently purchased our first home and had a great experience working with Alton [...]. Alton is super organized, knowledgeable, responsive, and transparent.”
My wife and I recently purchased our first home and had a great experience working with Alton OShields at Guaranteed Rate. Alton is super organized, knowledgeable, responsive, and transparent. Overall, he is a top notch professional and just an all around good guy. Highly recommend working with Alton!
“Always patient and knowledgable with any questions we had. Whenever we had any issues he immediately made time to speak to us and made sure we were taken care of.”
Alton has been great throughout the home buying process. He was always patient and knowledgable with any questions we had. Whenever we had any issues he immediately made time to speak to us and made sure we were taken care of. I personally couldn't see myself going through the process with anyone else. Looking forward to working with Alton again in the future!
“Your first home buying experience can be scary and I definitely had a million questions, but Alton really went above and beyond to help us.”
Alton was so helpful from day 1. We connected when purchasing our first house and he went above and beyond to help support us through that journey. Your first home buying experience can be scary and I definitely had a million questions, but Alton really went above and beyond to help us. I can’t thank him enough for the experience we had when purchasing it first home. Thank you, Alton!!!
“We received professional and helpful service on our first home purchase. Every question was answered in a timely manner. We were very pleased with the interest rate we received.”
We received professional and helpful service on our first home purchase. Every question we had was answered in a timely manner. Alton was easy to talk to and made sure we understood everything that was presented to us. We were very pleased with the interest rate we received. We will absolutely use Alton again in the future.
“The fees and closing costs were transparent, no surprises there, and the rates I got were good. Overall, the process went as smoothly as it could have.”
Alton was great to work with, he is very responsive and easy to ask questions to, he also will take the time to explain things and answer questions when asked. The fees and closing costs were transparent, no surprises there, and the rates I got were good.
Overall, the process went as smoothly as it could have, I definitely recommend Alton if you're looking for a mortgage in the Philadelphia area
“Alton was really helpful and responsive throughout the entire process of purchasing the house. He made what could have been a stressful process more manageable.”
Alton was really helpful and responsive throughout the entire process of purchasing the house. He was always available for questions and helped come up with solutions. He made what could have been a stressful process more manageable. Thankful for his support!
“They truly made what could have been a stressful experience feel smooth and manageable.”
I had an amazing experience working with this team throughout the process of buying my condo. From the very beginning, they were incredibly responsive, knowledgeable, and always took the time to explain every step of the process. As a first-time homebuyer, I had a lot of questions, and they made sure I felt informed and comfortable with every decision.
Their communication was outstanding—they kept me updated every step of the way and were always available whenever I needed them. They truly made what could have been a stressful experience feel smooth and manageable.
I couldn’t have asked for a better loan team, and I’m so grateful for all of their help in making my dream of homeownership a reality. I highly recommend them to anyone looking for a lender who genuinely cares about their clients. Thank you for everything!
“AJ is simply the best! He worked with us every step of the way and answered all of our questions as first time homebuyers. We couldn’t be happier! Thank you AJ!”
AJ is simply the best! He worked with us every step of the way and answered all of the our questions as first time homebuyers. AJ was a true partner throughout our home buying journey. We couldn’t be happier! Thank you AJ!
“Alton is great to work with! He is reassuring and helped answer any questions that I might have.”
Alton is great to work with! He is reassuring and helped answer any questions that I might have. He answers in a timely manner and guides you throughout the mortgage process.
Response from Owner
Kimberly, working with you was an absolute joy from start to finish. I'm always happy to help answer questions and make sure you feel completely supported along the way. Enjoy every moment of your wonderful new chapter!
