“As first-time homeowners, my wife and I were exceptionally impressed with the seamless and supportive mortgage experience. [Their] level of service, care, and commitment made what could have been a daunting process remarkably straightforward.”
As first-time homeowners, my wife and I were exceptionally impressed with the seamless and supportive mortgage experience provided by Rate.com. From our initial pre-approval consultation through to closing, Kyla DeMarzio and her dedicated team demonstrated unparalleled professionalism and offered such well-informed guidance every step of the way, which was invaluable to us in navigating the complexities of home financing. Their expertise not only instilled confidence for us, but also proved highly beneficial when they were able to secure a float-down rate just before final closing!! We would 100 percent recommend Kyla and her team as your next mortgage lender. Their outstanding level of service, care, and commitment made what could have been a daunting process remarkably straightforward and truly an incredible journey for us. Simply put, they are the best!!
“Working with Kyla & her team was one of the best decisions we made during our home buying process and an absolute game changer. We were blown away by her efficiency!”
Working with Kyla & her team was one of the best decisions we made during our home buying process and an absolute game changer. As first-time home buyers in New Jersey, we had a lot of questions, and she was incredibly responsive, knowledgeable, and helpful every step of the way.
Kyla moved fast, stayed on top of everything, and made what could have been a stressful process feel completely manageable. She helped us understand our options clearly, worked to secure us a great rate, and made sure everything stayed on track so we could close quickly. We were blown away by her efficiency! She was also extremely responsive throughout the entire process. No matter how minor our questions were, she always got back to us quickly and made sure we understood what was happening at every stage.
She is on top of all the details, and we always felt like we were in the best hands. I would highly recommend her to anyone looking for a mortgage broker who is excellent at what she does and knows how to get things done!
“They were SUPER fast, incredibly responsive, and made the entire process feel seamless from start to finish. We got clear answers almost immediately - no chasing, no waiting.”
Working with Kyla and her team was an absolute dream. They were SUPER fast, incredibly responsive, and made the entire process feel seamless from start to finish. Any time we had a question (and as first-time buyers, we had plenty), we got clear answers almost immediately - no chasing, no waiting, no stress.
Her team was on top of everything, kept us informed at every step, and somehow made what we expected to be the most stressful part of the process feel easy! Truly a smooth, efficient, and reassuring experience. We couldn’t have asked for a better lending team and would recommend her without hesitation.
“Kyla and her team are absolutely incredible! They stood by our side for over a year (...), providing not just documents we needed but encouragement and support!”
Kyla and her team are absolutely incredible to work with! They stood by our side for over a year as we were searching for our forever home and were with us every step of the way not just providing documents we needed but encouragement and support! Kyla was so easily and readily accessible and never stopped working even after hours! Not to mention Kyla ALWAYS going above and beyond with every offer we submitted she would contact the realtor of the property to tell them we were financially sound- something no one else does. Even through lost offers my husband always got feedback that they were always impressed with our mortgage lender! Kyla will be sure to seal the deal! Can’t recommend her enough!!
“This is my fourth mortgage with Kyla. She is an EXPERT in all mortgage matters, treats you like you're her only client with VIP care, and her team works like a well-oiled machine.”
This is my fourth mortgage with Kyla DeMarzio and let me tell you, she is THE BEST. An absolute boss. She is an EXPERT in all mortgage matters, crunches numbers like a living calculator, holds your hand throughout the whole process, works around the clock for you into the late hours of the night and on the weekends, answers all your questions with detail and attention, treats you like you're her only client with VIP care, calls listing agents on your behalf to guarantee loans, and crushes the mortgage business. I will never work with anyone else. Her entire team works like a well-oiled machine, making a very stressful process an easy, smooth, and seamless one for all involved. Love her!
“Working with Kyla for the second time was an absolute pleasure! The entire refinancing process was easy, smooth, and incredibly quick from start to finish.”
Outstanding Experience Refinancing My Home
Working with Kyla for the second time was an absolute pleasure! The entire refinancing process was easy, smooth, and incredibly quick from start to finish. Kyla and her team were professional, knowledgeable, and always available to answer every question I had along the way. Their communication and attention to detail made everything stress-free and seamless.
It’s rare to find someone so dedicated and efficient in this industry—Kyla truly goes above and beyond for her clients. After working with her twice now, I can confidently say I wouldn’t use anyone else for home financing or refinancing needs. Highly recommend her and her amazing team!
“Kyla and her team were terrific to work with. Everything went smoothly... We couldn't have asked for a better, calmer, and more honest partner in the stressful time of purchasing a home.”
Kyla and her team were terrific to work with. Everything went smoothly from initial consultation to pre-approval to closing. We couldn't have asked for a better, calmer, and more honest partner in the stressful time of purchasing a home.
“Working with Kyla for the second time was an absolute pleasure! The entire refinancing process was easy, smooth, and incredibly quick from start to finish.”
Working with Kyla for the second time was an absolute pleasure! The entire refinancing process was easy, smooth, and incredibly quick from start to finish. Kyla and her team were professional, knowledgeable, and always available to answer every question I had along the way. Their communication and attention to detail made everything stress-free and seamless.
It’s rare to find someone so dedicated and efficient in this industry—Kyla truly goes above and beyond for her clients. After working with her twice now, I can confidently say I wouldn’t use anyone else for home financing or refinancing needs. Highly recommend her and her amazing team!
RRenata B.
“Kyla and her team ensured we were informed, prepared, and ready to close. her expertise was our secret weapon in securing the home of our dreams. It will be the best choice you make.”
Kyla and her team are, without a doubt, the best in the business. From first conversation to final email, Kyla and her team ensured we were informed, prepared, and ready to close on our home.
It's hard to explain how much we relied on her, not just for our loan but for any and all questions throughout the buying process. To board approvals and beyond, Kyla's expertise was our secret weapon in securing the home of our dreams. Don't think twice -- if you get the chance, work with her! It will be the best choice you make.
“She is extremely proactive, responsive and will get you to closing day as efficiently as possible. She’s also great at educating her buyers along the way. Highly, highly recommend.”
We just closed on a condo and couldn’t have done it without Kyla’s guidance and expertise. She is extremely proactive, responsive and will get you to closing day as efficiently as possible. She’s also great at educating her buyers along the way. Highly, highly recommend her services. We’ll be using and recommending her services to others for home purchase or refinancing needs in the future.
“Kyla is the smartest and hardest working in the business. She originated my loan (probably a big reason our offer was accepted), and we just went back to her for a refi.”
Kyla is the smartest and hardest working in the business. She originated my loan (probably a big reason our offer was accepted), and we just went back to her for a refi. Next time rates fall, we'll be reaching out to her again!
“Kyla and her team are absolutely wonderful to work with. She went above and beyond to give us the best possible chance of acceptance and made sure we were prepared every step of the way.”
Kyla and her team are absolutely wonderful to work with. Highly recommend. She took the time to call us and explain every detail of our home buying experience. She went above and beyond when we put our offer in to give us the best possible chance of acceptance. It was a long journey (about 2 years) to find the right home but Kyla and her team were always extremely responsive and made sure we were prepared every step of the way.
“Kyla is amazing to work with. Her experience and knowledge are invaluable. We were cleared to close in 9 days!!!”
Kyla is amazing to work with. Her experience and knowledge are invaluable. We were cleared
to close in 9 days!!!
AAlix F.
“Kyla and her team are truly the dream team. They move at incredible speed and yet always had time to walk us through the details, and have an unbelievable attention to detail.”
Kyla and her team are truly the dream team. They move at incredible speed and yet always had time to walk us through the details and our questions, and most importantly have an unbelievable attention to detail.
“Kyla DeMarzio and her team are top notch!we closed in 28 days. They did everything possible to get the deal done”
Kyla DeMarzio and her team are top notch!we closed in 28 days. They did everything possible to get the deal done, often working g 7 days per week checking emails and answering questions! Amazing job to this team!
MMichael L.
“Kyla allowed us to move incredibly fast in a competitive market. She was also responsive to my questions any time. I'm glad we chose to work with Kyla and I would work with her again.”
Kyla allowed us to move incredibly fast in a competitive market. She was also responsive to my questions any time. I'm glad we chose to work with Kyla and I would work with her again.
“Kyla and her team were fantastic to work with. Extremely responsive and always available to answer questions”
Kyla and her team were fantastic to work with. Extremely responsive and always available to answer questions and guided us through the whole process from pre-approval through closing our loan. Everyone on the team is extremely knowledgeable and made our first time buying a home such a seamless process.
AAlissa C.
“Kyla’s team has done a wonderful job... They have worked diligently to ensure that our timelines are met, and we are able to close the house in time.”
Kyla’s team has done a wonderful job helping us through throughout the entire process of buying our home. They have worked diligently to ensure that our timelines are met, and we are able to close the house in time. If you’re looking for a lender that goes above and beyond look no further than Kyla and team at Guarenteed Rate.
“I refer everyone to rate- especially Kyla. Her and her team are absolutely incredible, always available, and our biggest advocates and cheerleaders!”
I refer everyone to rate- especially Kyla. Her and her team are absolutely incredible, always available, and our biggest advocates and cheerleaders!
AAlyssa C.
“The process was smooth, efficient, and transparent. Communication was consistent, and I felt supported at every step.”
The process was smooth, efficient, and transparent. Communication was consistent, and I felt supported at every step. The team was responsive, knowledgeable, and made what could have been a stressful experience feel manageable and clear.
AArghoon D.
“Kyla was amazing she made the whole process so easy and was on top of everything”
Kyla was amazing she made the whole process so easy and was on top of everything
NNicole M.
“Kyla and team were fantastic to work with! Responsive, proactive and got us to close efficiently as possible.”
Kyla and team were fantastic to work with! Responsive, proactive and got us to close efficiently as possible.
JJana C.
“Kyla & her team were organized, attentive, and made our first-time homebuying process as easy as possible.”
Kyla & her team were organized, attentive, and made our first-time homebuying process as easy as possible.
MMichael K.
“Exceptional service, and they saved us a bundle of cash through quick action and ability to execute. They were the best part of the whole process.”
Exceptional service, and they saved us a bundle of cash through quick action and ability to execute. They were the best part of the whole process.
JJason H.
“Had a great experience working with Kyla. Kyla was very attentive and put a lot of effort in processing the loan.”
Had a great experience working with Kyla. Kyla was very attentive and put a lot of effort in processing the loan.
HHenry H.
“Professional, respectful, knowledgeable, highly efficient, and fast. What more could you ask for!”
Professional, respectful, knowledgeable, highly efficient, and fast. What more could you ask for!
MMarilyn W.
“The team at Guaranteed Rate was a pleasure to work with and really understood me and believed in my ability to own a home.”
The team at Guaranteed Rate was a pleasure to work with and really understood me and believed in my ability to own a home.
LLarisa H.
“Kyla is the best of the best. Her knowledge and experience are invaluable.”
Kyla is the best of the best. Her knowledge and experience are invaluable.
“The staff, the process, the efficiency of the systems. An incredibly speedy and seamless experience.”
The staff, the process, the efficiency of the systems. An incredibly speedy and seamless experience.
MMaria B.
10/10
“All team members are very responsive.”
All team members are very responsive.
LLori R.
“The entire team is great. We closed in a short period of time.”
The entire team is great. We closed in a short period of time.
WWilliam G.
“Fantastic overall support throughout the mortgage process.”
Fantastic overall support throughout the mortgage process.
HHelena F.
“Fantastic communication the whole way through.”
Fantastic communication the whole way through.
DDevin M.
“Kyla and Lora were on top of everything. All the time”
Kyla and Lora were on top of everything. All the time
TThalia K.
“Personalized attention and they made the process easy.”
Personalized attention and they made the process easy.
WWilliam G.
“Easy, fast, good communications”
Easy, fast, good communications
AAndrew G.
“Overall the process was easy, straight forward and I received good counsel.”
Overall the process was easy, straight forward and I received good counsel. Towards the end, I did feel like I was shown one rate and then given the option of another. I get that's the process, but it still stung.
