“As first-time homebuyers, Paul and his team made everything incredibly smooth, stress-free, and easy to understand. Their communication and dedication exceeded our expectations.”
We cannot say enough good things about Paul Zgalich and his team at Rate. As first-time homebuyers, the mortgage process felt overwhelming at times, but Paul and his team made everything incredibly smooth, stress-free, and easy to understand from start to finish.
They were always available to answer our questions, kept us informed throughout every step of the process, and worked tirelessly to help us secure financing for our dream home. Their communication, professionalism, and dedication exceeded our expectations.
What stood out most was how much they genuinely cared about helping us achieve our goal of homeownership. Thanks to Paul and his amazing team, we are now settling into the home we’ve always dreamed of, and we couldn’t be more grateful.
If you’re looking for a mortgage team that is knowledgeable, responsive, and truly invested in your success, we highly recommend Paul Zgalich and the team at Rate! Thank you for helping make our dream a reality!
“I receive personalized service tailored to my specific needs. My transactions have been seamless and free of headache... Paul and his team deliver and I will continue to use them.”
I have used Paul Z. and his team for multiple purchases and refis since 2014. I feel as though I receive personalized service over the years that has been tailored to me and my specific needs. Paul and his team are always available to offer assistance and answer questions during the process. My transactions have been seamless and free of headache, and have only gotten easier since the team became Rate and has flash closes. Paul and his team deliver and I will not only continue to use them, but also recommend them. Shout out to Serena, Crystal, and Fran for all that you do.
“I had a great experience working with Paul and his team throughout my loan process. They were extremely professional , responsive and supportive at every stage. Paul took time to explain each step clearly, patiently answered all my questions and made the entire process stress-free.”
I had a great experience working with Paul and his team throughout my loan process. They were extremely professional , responsive and supportive at every stage. Paul took time to explain each step clearly, patiently answered all my questions and made the entire process stress-free. The team also helped me secure a very competitive interest rate which made the experience better.
I truly appreciate their dedication, transparency and commitment to providing excellent customer service. I highly recommend Paul and his team to anyone looking for a reliable and professional lender for their home purchase. Thank you Paul and the entire team, for making my home-buying journey a positive experience.
“Paul Zgalich made the entire mortgage process quick and easy. He offered a competitive rate, was always available when we had questions”
Paul Zgalich made the entire mortgage process quick and easy. He offered a competitive rate, was always available when we had questions, and solved any issues quickly and professionally. The process was smooth from start to finish, and we couldn’t have asked for a better experience. Highly recommend Paul!
EEdward H.
“Everyone at Rate Mortgage made what could have been a stressful process feel so much easier.”
As first time homebuyers, we truly couldn't have asked for a better mortgage team. Everyone at Rate Mortgage made what could have been a stressful process feel so much easier. They were always quick to answer our questions, explained everything in a way we could actually understand, and kept us updated every step of the way. We always felt supported and knew they had our best interests in mind. Their communication, professionalism, and kindness made all the difference. We are so grateful for everything they did to help us get into our first home, and we would absolutely recommend Rate Mortgage to anyone looking to buy a home!
“As someone who works in real estate every day, I can confidently say that having the right lender and team matters — and Paul consistently delivers.”
I am a realtor, and this morning I closed on the purchase of a home for my family. Being in the industry, I’ve had third-party exposure to many excellent mortgage companies and lenders over the years.
When it came to my own home purchase, the decision on a mortgage lender came down to choosing the right person and team over simply the lowest initial quoted interest rate.
I have worked with Paul Zgalich and his team for the past three years, and that experience made the decision easy. Paul is both a listener and a doer. He takes the time to understand his clients’ needs and then does whatever is necessary to secure the business and guide the transaction to a smooth, straightforward, and clean closing.
Throughout the process, Paul and his team were responsive, professional, and dependable. As someone who works in real estate every day, I can confidently say that having the right lender and team matters — and Paul consistently delivers.
“Paul was extremely knowledgeable, responsive, and transparent at every step. He took the time to explain all the details clearly and made a complex process feel smooth and stress-free.”
I had a great experience working with Paul Zgalich at Rate throughout my mortgage process. Paul was extremely knowledgeable, responsive, and transparent at every step. He took the time to explain all the details clearly and made a complex process feel smooth and stress-free. His professionalism and dedication truly stood out, and I always felt confident that I was in good hands. I highly recommend Paul and Rate to anyone looking for a reliable and trustworthy mortgage partner.
“Paul and his team were efficient, professional, timely and most of all just knowledgeable in every aspect. They closed my 3 refi’s in less than 30 days !!!”
Paul and his team were efficient, professional, timely and most of all just knowledgeable in every aspect. They closed my 3 refi’s in less than 30 days !!!
The website is extremely easy to use and updates in real time. I’m no ‘tech geek’ and I was able to navigate easily and never had to request tech assistance from anyone!
I recommend them highly and should I need assistance in the future, I would call upon Rate.com without a second thought!
“I needed a very fast closing and was delighted and amazed that it was in escrow within 2 weeks! The entire team's attention to detail and courteousness was excellent.”
I have sold and purchased property several times over the years and have never had a better experience than with Paul Zgalich and Rate. I needed a very fast closing and was delighted and amazed that it was in escrow within 2 weeks! The entire teams attention to detail, clear instructions, and courteousness was excellent from beginning to end and I highly recommend them!
“Paul and his team are the best in the business. My wife and I were very qualified buyers with alternative income and Paul was able to make it happen. We closed in less than 30 days.”
Paul and his team are the best in the business. My wife and I were very qualified buyers with alternative income and Paul was able to make it happen. We closed in less than 30 days. If you need a mortgage, Paul is THE guy
“As a first time homebuyer, I was a bit nervous about this process, and both he and his team made it so easy and explained everything to me. A very quick and easy process!”
Paul Zgalich and his team were wonderful to work with! As a first time homebuyer, I was a bit nervous about this process, and both he and his team made it so easy and explained everything to me. A very quick and easy process! I recommend him to anyone looking for a lender! 10/10
“Paul Zgalich is a true professional. He is very responsive and cares about his clients. Paul and his team achieved everything they promised and much more. I cannot recommend him enough!”
Paul Zgalich is a true professional. He is very responsive and cares about his clients. Paul and his team achieved everything they promised and much more. I cannot recommend him enough! He is simply the best!
“Paul and his team did his amazing job helping me with my refi. Kevin, Crystal and Melissa all did a fantastic job and I never felt pressured”
Paul and his team did his amazing job helping me with my refi. Kevin, Crystal and Melissa all did a fantastic job and I never felt pressured or hassled during the process. It was nice to work with such friendly people during a stressful situation and I would absolutely use Rate in the future. Thank you to Paul and his team!!!!
EEthan L.
“Paul and his team are fantastic. They know their job and do it quickly.”
Paul and his team are fantastic. They know their job and do it quickly. I’m a get it done kind of guy and they are on the same page. I can always call Paul for his guidance through the next loan. This was our fourth loan with Paul’s Team.
JJames H.
“As a Realtor, it’s so important to have the utmost confidence in a lender. I know when Paul and his team are in my corner, my transaction will always go smoothly.”
Paul Zgalich and his team are the best! I trust him to always do a great job with my clients. As a Realtor, it’s so important to have the utmost confidence in a lender. I know when Paul and his team are in my corner, my transaction will always go smoothly. I highly recommend Paul and his team. Thank
“Easiest, fastest process in getting pre-approval on mortgage... [q]uick & easy settlement. Thank you so much Paul Zgalich... You & your team are true professionals!”
First comes love 💘,
then comes marriage 💍,
then comes home 🏡,
BUT not before you hire a professional, aka Paul Zgalich at Guaranteed Rate to get things done ✅. Thank you 😊 so much Paul Zgalich for all your help in this process to make Michael & Kates dream come true!! You & your team are true professionals !!
•Easiest, fastest process in getting pre-approval on mortgage
•Finding the best realtor: Joey-what a great fit for Michael & Kate during their hunt for their perfect house during such unprecedented times in the real estate market!
https://www.homeexpertsforyou.com/agents/josephmcguigan/?fs=e&s=cl
•Quick & easy settlement
⭐️⭐️⭐️⭐️⭐️
& then, God willing, comes ____ !! 😉🙏🏼👶
“Paul and his team made the loan process a breeze from start to finish. He was responsive, kept me informed, and was always available. I would highly recommend working with them!”
Paul and his team made the loan process a breeze from start to finish. He was responsive, kept me informed along the way as things progressed, and was always available to chat when I needed more information. I would highly recommend working with them as a homebuyer!
“The BEST experience I ever had getting a mortgage. Paul and his team are top notch. Friendly, prompt and kept me informed every step of the way.”
The BEST experience I ever had getting a mortgage. Paul and his team are top notch. Friendly, prompt and kept me informed every step of the way. Worked with me and highly recommended! Thank you Paul & every one on your team!
“Paul and his team guided me every step of the way through my first time home-buying experience.... Went from offer to settlement in barely over a month.”
Paul and his team guided me every step of the way through my first time home-buying+mortgage experience, and reached out as soon as they needed anything from me to move things along. Went from offer to settlement in barely over a month.
“Paul and his office at Rate were incredible to work with! They made the entire process easy and smooth for us... Could not of been happier with the whole process of buying a home!”
Paul and his office at Rate were incredible to work with! They made the entire process easy and smooth for us and we are so grateful for that! I highly recommend everyone from the Rate office to work with!!! Could not of been happier with the whole process of buying a home!
“He was very communicative and always made himself available. His timeliness and attention to detail gave me full confidence... I truly appreciate how smooth he made the process.”
Working with Paul as my mortgage lender was an outstanding experience from start to finish. He was very communicative and always made himself available to answer questions. His timeliness and attention to detail gave me full confidence that everything was being handled with care and professionalism. I truly appreciate how smooth and stress-free he made the entire process. Highly recommend Paul to anyone looking for a reliable and dedicated mortgage lender!
“Amazing experience! His communication was excellent, and he made sure I understood all my options. He was patient, knowledgeable, and went above and beyond to help us secure our loan.”
Amazing experience working with Paul! His communication was excellent, and he made sure I understood all my options. He was patient, knowledgeable, and truly went above and beyond to help us secure our loan. Thank you, Paul!
“Paul and his team made the process of getting a mortgage easy and painless. As first time home buyers, they were there through the entire process, making a daunting process smooth.”
Paul and his team made the process of getting a mortgage easy and painless. As first time home buyers, we were quite intimidated at the prospect of applying and qualifying for a mortgage. Paul and the team at Rate were there through the entire process and always able to answer questions, making a daunting process incredibly smooth. We would recommend them to anyone in southeastern PA looking for a mortgage.
“Paul and his team were phenomenal they did everything quick and easy. We also closed in less than 45 days! We closed in 28 days. Everything went smoothly.”
Paul and his team were phenomenal they did everything quick and easy. We also closed in less than 45 days! We closed in 28 days. Everything went smoothly.
“Paul and the team were excellent! They made the entire process super easy and explained every step extremely well. I would highly recommend them to anyone in the home buying process.”
Paul and the team was excellent! They made the entire process super easy and explained every step of the process extremely well. We never felt confused or lost throughout the entirety of the process. I would highly recommend them to anyone in the home buying process.
“Paul and his team made this whole process super easy and took a lot of the stress off our shoulders.”
I’ve used Rate twice now, and both times the staff was more than willing to help with everything we needed. Paul and his team made this whole process super easy and took a lot of the stress off our shoulders.
“We really appreciate your efforts on this complicated mortgage. With non-traditional income and assets, you guys came through where other lenders were unable to think out of the box.”
Paul. We really appreciate your efforts on this complicated mortgage. With non-traditional income and assets, you guys came through where other lenders were unable to think out of the box. Thanks again. Joel
JJoel A.
“the team worked hard at working with me with gentle reminders to the finish line. Enjoyed working with them.”
Considering the short turn around time to close and that I was out of the country, the team worked hard at working with me with gentle reminders to the finish line. Enjoyed working with them.
AAmanda G.
“Paul's team moved fast and got the loan across the finish line sooner than i expected.”
Paul's team moved fast and got the loan across the finish line sooner than i expected. Overall great experience. Can't wait to work with them in the future.
JJames H.
“This was the smoothest process I think anyone in the history of homebuying has gone through. The team was super communicative and transparent.”
This was the smoothest process I think anyone in the history of homebuying has gone through. The team was super communicative and transparent. And answered all my questions in a timely manner.
KKristen M.
“Great communication and made the process easy for a first time home buyer”
Great communication and made the process easy for a first time home buyer
SShane B.
“Paul Zgalich and his team are great. Serena, Crystal, Melissa, and Fran all treated me like family and went above and beyond.”
Paul Zgalich and his team are great. Serena, Crystal, Melissa, and Fran all treated me like family and went above and beyond. This is my third time using them, and I will never use anyone else.
AAnthony W.
“The team we worked with made our dream come true of getting into our first home. We are so grateful and will only use Guaranteed Rate going forward”
The team we worked with made our dream come true of getting into our first home. We are so grateful and will only use Guaranteed Rate going forward and will make sure everyone we know does the same. Paul and his team are HANDS DOWN the BEST in the U.S.A!!!!
AAmanda L.
“Sean and Paul were very responsive and made the process very easy. They have given me very competitive rates that beat all competition in the area.”
Sean and Paul were very responsive and made the process very easy. They have given me very competitive rates that beat all competition in the area. I will continue to work with them as I build my portfolio!
JJustin J.
“Rate.com Mortgage company. Such an easy process and Paul was amazing. I highly recommend”
Rate.com Mortgage company. Such an easy process and Paul was amazing. I highly recommend 👍👍👍👍
“Paul was efficient. The team was very pleasant to work with and did everything possible to ensure a smooth process. They were also available to text and talk.”
Paul at Rate was efficient. The team was very pleasant to work with and did everything possible to ensure a smooth process. They were also available to text and talk. I recommend them to anyone.
“A smooth and easy process despite a very quick closing. Paul and his team were diligent and helpful throughout the whole process. Recommend them without reservation.”
A smooth and easy process despite a very quick closing. Paul and his team were diligent and helpful throughout the whole process. Recommend them without reservation.
“Guaranteed Rate was very professional and diligent in providing me the best terms and service in a very quick manner.”
Guaranteed Rate was very professional and diligent in providing me the best terms and service in a very quick manner. They explained everything to me as the process progressed. And I am very satisfied with the results.
JJoan Y.
“Paul and his team are awesome to work with making the entire process easy to navigate and stress-free.”
Paul and his team are awesome to work with making the entire process easy to navigate and stress-free.
GGlen S.
“Paul and his team [...] were great to work with! Their expertise and knowledge made the entire process from start to finish so easy. Highly recommend!”
Paul and his team, Serena, Melissa x2 Crystal, Valerie and Fran were great to work with! Their expertise and knowledge made the entire process from start to finish so easy. Highly recommend!
“Paul and his staff are extremely efficient, knowledgeable, and communicative throughout the entire process. Top notch support - very quick, easy, and excellent rates as well!”
Great experience. Paul and his staff are extremely efficient, knowledgeable, and communicative throughout the entire process. Top notch support - very quick, easy, and excellent rates as well!
“Paul and his team were great. Helped every step of the way, answered all of our questions and loved the online portal/tracker. Super easy to use and communication was great.”
Paul and his team were great. Helped every step of the way, answered all of our questions and loved the online portal/tracker. Super easy to use and communication through the process was great. Highly recommend
“Paul and his team at Rate are excellent. They are friendly, have great communication, and made my home-buying experience smooth and simple. Would highly recommend them!”
Paul and his team at Rate are excellent. They are friendly, have great communication, and made my home-buying experience smooth and simple. Would highly recommend them!
“Rate was always in contact and communication with us throughout the loan process. We had a fantastic loan officer always guiding and giving updates at each step.”
Rate was always in contact and communication with us throughout the loan process. We had a fantastic loan officer always guiding and giving updates at each step. Accessibility to Rate’s staff for questions or whatever was needed was top notch.
