“Michael was fantastic! His ability to get me documentations, approvals, and a speedy close were critical to me getting the home I wanted.”
Michael at Guaranteed Rate Affinity was fantastic! He provided everything I needed with tremendous urgency, and his ability to get me documentations, approvals, and a speedy close were critical to me getting the home I wanted. And Michael gave me a great financial solution and explained it all in simple terms. This was a great experience
“Mike was knowledgeable, had high availability to answer questions, and we ended up with a very competitive rate. All in all 10/10 experience.”
We worked with Mike to get a mortgage on our first home and overall it went very well. Mike was knowledgeable, had high availability to answer questions, and we ended up with a very competitive rate. He also offered a rate lock which ended up coming in handy by the time we closed. All in all 10/10 experience and I will continue to recommend him to friends and family.
“Working with Michael on two homes has been an outstanding experience. He has been incredibly helpful throughout the entire process.”
Working with Michael on two homes has been an outstanding experience. He has been incredibly helpful throughout the entire process and always makes sure everything runs smoothly from start to finish. His attention to detail, professionalism, and dedication truly set him apart. Without question, one of the best in the business. Highly recommend.
“Mike was extremely knowledgeable, professional and always available to help. He made the entire process smooth and stress-free, and we highly recommend him!”
We recently worked with Mike Stepek to refinance our mortgage, and we couldn't have been happier with the experience. Mike took the time to answer all our questions and was extremely knowledgeable, professional and always available to help. He made the entire process smooth and stress-free, and we highly recommend him!
“I can't say enough great things about Mike and his team! Their communication, professionalism, and dedication to their clients are truly exceptional.”
I can't say enough great things about Mike and his team! They are hands down one of the best mortgage lenders I've ever worked with. Their communication, professionalism, and dedication to their clients are truly exceptional.
As a real estate professional, I'm very selective about who I recommend because my clients' experience reflects on me. That's why I confidently refer them time and time again. They consistently go above and beyond to make what can be a stressful process feel smooth, organized, and even enjoyable. They're always available to answer questions, explain every detail, and keep everyone informed from start to finish.
Highly, highly recommend!
“I couldn’t have chosen a better person or firm to handle our transaction! ... We received the best possible mortgage rate, giving us a payment that we could afford”
Michael Stepek handled the mortgage process for the purchase of my townhouse, and I couldn’t have chosen a better person or firm to handle our transaction! From each aspect of the process, communications back-and-forth with documents to sign, resign, items on our behalf to upload, he was there every step of the way handling and confirming that each process is complete so that the closing date of our townhouse would not be missed. We received the best possible mortgage rate, giving us a payment that we could afford, and allow us to move into our townhouse and have a place to call our own! Thank YOU Michael & Team for all you do!! And making our dream a reality!
“Every transaction I've had the pleasure of collaborating on with Michael has been smooth and hassle-free. He doesn't just promise results; he consistently delivers on them.”
As a seasoned real estate agent, I've had the pleasure of working with numerous mortgage lenders over the years. Among them, Michael Stepek from Guaranteed Rate Affinity stands out as a truly exceptional professional.
Michael's dedication to his clients is evident from the moment you start working with him. He brings a level of expertise and efficiency to the mortgage process that is truly commendable. Every transaction I've had the pleasure of collaborating on with Michael has been smooth and hassle-free.
One of the most impressive qualities about Michael is his ability to close deals. He doesn't just promise results; he consistently delivers on them. His proactive approach and attention to detail ensure that everything is handled swiftly and correctly, which is invaluable in the fast-paced world of real estate.
Communication is another area where Michael excels. He keeps all parties informed throughout the entire process, providing updates and answering any questions promptly. This transparency fosters trust and confidence among clients and collaborators alike.
Beyond his professional skills, Michael is also a pleasure to work with personally. His demeanor is always friendly and approachable, making him someone you can rely on and enjoy working alongside during what can sometimes be a stressful process.
“As a Realtor, Michael is always my go to mortgage advisor. He takes the time to educate my buyers... The process is fast and efficient and we close on time.”
As a Realtor, Michael is always my go to mortgage advisor. He takes the time to educate my buyers and give them the best advice so they are prepared to make the winning offer. The process is fast and efficient and we close on time. Thank you, Michael
“Extremely responsive, forthcoming and professional. He gets the job done and the deal closed! You will not be disappointed.”
I have always had great experiences working with Mike Stepek, he is extremely responsive, forth coming and professional. He gets the job done and the deal closed! You will not be disappointed.
“As a Realtor, I always feel safe with him handling my clients' mortgages and I know we are going to get to the closing table with minimum fuss.”
Michael is my Number One and Much Preferred Mortgage Representative. As a Realtor, I know that my clients will receive only the best of service and help and knowledge way beyond his competitors. I always feel safe with him handling my clients' mortgages and I know we are going to get to the closing table with minimum fuss. He is someone I always rely on and my clients are always grateful for such a great referral.
“Michael was responsive and helpful throughout the entire homebuying process. He made securing our mortgage very easy! We never once worried about the loan.”
Michael was responsive and helpful throughout the entire homebuying process. He made securing our mortgage very easy! With all the stress of buying a home, we never once worried about the loan. Thank you Michael!
“The entire GRA team was outstanding... but it was Michael who held our hands along the entire way and we ended up with a fantastic rate!”
As a first time home buyer Michael had his work cut out with us as clients. Michael was 24/7 responsive, he answered emails, text messages, and answered all the crazy tiktok questions that were forwarded to me by family members. The entire GRA team was outstanding and got us to our closing on time but it was Michael who held our hands along the entire way and we ended up with a fantastic rate!
“He performs under pressure like no other. If it wasn’t for Mike I don’t know where we’d be. Mike is solutions oriented and very helpful. Best mortgage guy ever!”
Mike Stepek is a saint and incredible person to work with when financing a property. My wife and I ran into a snag with a lender at crunch time and we were referred to Mike bc we were told “if anyone can help you, it’s Mike.” And that sure was true! He seems like more of a Bohemian Rhapsody guy to me, but let me tell you he performs under pressure like no other. If it wasn’t for Mike I don’t know where we’d be. Mike is solutions oriented and very helpful. If you are looking to get a mortgage, Mike is your guy. I’ve already told all of my friends and family if you need a mortgage look no further! Best mortgage guy ever!
“Michael demonstrated exceptional knowledge, responsiveness and professionalism. He was always there day and night to answer any questions I had.”
I recently had the pleasure of working with Michael Stepek from Guaranteed Rate Affinity. Michael demonstrated exceptional knowledge, responsiveness and professionalism. He was always there day and night to answer any questions I had. If you’re looking for a mortgage broker who truly cares about your needs, I highly recommend Michael.
“Mike was always available to help run numbers and prepare pre-approval letters. Once our offer was approved he helped to ensure we were ready to close in 30 days.”
Mike came recommended by our realtor, and after working with him we would also recommend him for others needing a loan for their home. We were entering a very competitive market, and Mike was always available to help run numbers, prepare pre-approval letters, etc. He was also willing to spend time on the phone to explain the process and numbers and different ways to be thinking about the loan and process. Once our offer was approved he helped to ensure we were ready to close in 30 days.
“Mike is patient, but most of all, not "pushy" or aggressive. He always answered our 101 questions with grace, is very responsive, and is just overall great to work with.”
Mike is great to work with. As first time homebuyers (and professionals ourselves), my husband and I naturally have many questions when it comes to our finances and the home-buying process. Mike is patient, but most of all, not “pushy” or aggressive. He always answered our 101 questions with grace, is very responsive, and is just overall great to work with. I highly recommend giving him a shot as I doubt you will be disappointed.
“Working with him was a great experience and the process would have been daunting without the guidance.”
Michael Stepek worked with us to get our mortgage set up and approved in a 30 day window, he was able to tell us exactly what we needed to have it done smoothly and quickly even though we were working on it from out of state. Working with him was a great experience and the process would have been daunting without the guidance.
“Michael is phenomenal! He is extremely knowledgable, communicates quickly, and always takes the time to explain everything very clearly.”
Michael is phenomenal! He is extremely knowledgable, communicates quickly, and always takes the time to explain everything very clearly. He came as a recommendation from my realtor and I am so glad that she connected us. I could not recommend Michael more!
“Michael helped us secure a mortgage for our new home in NJ. He was incredibly helpful, reliable and reachable, and had options other lenders did not. Highly recommend.”
Michael helped us secure a mortgage for our new home in NJ - I don’t think we could have gotten the house without him! He was incredibly helpful, reliable and reachable, and had options other lenders did not. Highly recommend.
“Mike and his team couldn't be easier to work with! They were very responsive throughout the entire process and guided us step by step to the finish line.”
Mike and his team couldn't be easier to work with! They were very responsive throughout the entire process and guided us step by step to the finish line. Would absolutely work with his team again!
“Working with Mike was great. As a first time home-buyer he was with us every step of the way and was extremely responsive.”
Working with Mike was great. As a first time home-buyer he was with us every step of the way and was extremely responsive. Would definitely recommend him to anyone in the market for a mortgage.
“Michael, you’ve been absolutely fantastic to work with and appreciate all of your time, assistance and guidance!”
Michael, you’ve been absolutely fantastic to work with and appreciate all of your time, assistance and guidance! I appreciate Robin’s help and diligent follow-ups as well. Thank you again!
AAdam S.
“Michael and his team were amazing. They walked me through step by step of the mortgage process. They were patient and informative.”
Michael and his team were amazing. They walked me through step by step of the mortgage process. They were patient and informative. It was a great experience and I highly recommend them!
“Michael and his team were exceptional in their communication and thier correspondence. They were there for us any time we had questions or concerns.”
Michael and his team were exceptional in their communication and thier correspondence. They were there for us any time we had questions or concerns.
CChristopher K.
“Mike was a tremendous source of knowledge and support throughout the mortgage process. He offered sound advice and communicated extremely well.”
Mike was a tremendous source of knowledge and support throughout the mortgage process. He offered sound advice and communicated extremely well. I would highly recommend his services.
“Michael was clear in his communication, and provided us a detailed quote when we asked him to. He is considered one of the most reputable lenders in the area.”
Michael was clear in his communication, and provided us a detailed quote when we asked him to. He is considered one of the most reputable lenders in the area. He also answered our never ending list of questions. Happy to recommend his services.
“Michael Stepek and his team were fantastic. They made the process extremely smooth from start to finish. Very responsive, informative and helpful.”
Michael Stepek and his team were fantastic. They made the process extremely smooth from start to finish. Very responsive, informative and helpful. I highly recommend them.
JJeanne H.
“Exceptional and prompt customer service. Outstanding time frame within 7 days. Mike Stepyk was excellent to work with!”
Exceptional and prompt customer service. Outstanding time frame within 7 days. Mike Stepyk was excellent to work with!
KKelly B.
“Mike Stepek and his team (including James Hazlett) are a well-oiled machine. There were no surprises, no delays and their communication is best in class.”
Mike Stepek and his team (including James Hazlett) are a well-oiled machine. There were no surprises, no delays and their communication is best in class.
RRebecca B.
“Mike is great to work with. As first time homebuyers... Mike is patient, but most of all, not “pushy” or aggressive.”
Mike is great to work with. As first time homebuyers (and professionals ourselves), my husband and I naturally have many questions when it comes to our finances and the home-buying process. Mike is patient, but most of all, not “pushy” or aggressive. He always answered our 101 questions with grace, is very responsive, and is just overall great to work with. I highly recommend giving him a shot as I doubt you will be disappointed.
“Michael and the associates in his office are always available to calculate payments and apply the best options to help you make an offer on the property you would like to buy.”
Michael and the associates in his office are always available to calculate payments and apply the best options to help you make an offer on the property you would like to buy.
“Big fan of Mike. He’s been extremely helpful throughout this process.”
Big fan of Mike. He’s been extremely helpful throughout this process.
MMatthew A.
“Matt Kiss was very helpful every step of the way and the communication was fast and overall a positive experience.”
Matt Kiss was very helpful every step of the way and the communication was fast and overall a positive experience.
JJohn N.
“Mike and his team are fantastic and made the entire process seamless and easy to follow. Will recommend his services to anyone and everyone.”
Mike and his team are fantastic and made the entire process seamless and easy to follow. Will recommend his services to anyone and everyone who is looking for to secure a mortgage
“Mike and Erica were fantastic to work with and made the entire process stress free!”
Mike and Erica were fantastic to work with and made the entire process stress free!
AAnjelica D.
“Mike Stepek was much more willing to work with us through the various issues we had... others were rather curt or transactional.”
Everything worked well. We had spoken to other lenders, but Mike Stepek was much more willing to work with us through the various issues we had... others were rather curt or transactional.
DDavid M.
“They made the mortgage process smooth and stress-free, providing clear communication and guidance every step of the way.”
They made the mortgage process smooth and stress-free, providing clear communication and guidance every step of the way. They were quick to answer all my questions and ensured I got the best possible deal.
JJames D.
“Communication with Michael and his team was phenomenal. They made it very easy for us as first-time homebuyers.”
Communication with Michael and his team was phenomenal. They made it very easy for us as first-time homebuyers.
AAlexander S.
“Responsive and communicative; I definitely felt like I received VIP treatment from the entire team!”
Responsive and communicative; I definitely felt like I received VIP treatment from the entire team!
SShaynah E.
“GRA got our loan approved in less than 2 weeks after we had to fire our mortgage broker and saved us a lot of money closing costs.”
GRA got our loan approved in less than 2 weeks after we had to fire our mortgage broker and saved us a lot of money closing costs.
AAndrew G.
“I have never had a more pleasant experience with either a home purchase or refi. Michael Stepek was nothing short of amazing, as was James.”
I have never had a more pleasant experience with either a home purchase or refi. Michael Stepek was nothing short of amazing, as was James.
JJared F.
“Mike consistently stays right on top of every transaction, thus insuring that the loans process in a timely fashion and without a hitch.”
Mike consistently stays right on top of every transaction, thus insuring that the loans process in a timely fashion and without a hitch.
