For over 20 years, we have been able to trust the advice of Randy Cullen and his team concerning our home mortgage. It is calming to know they are available to answer all of our questions throughout the entire process, whether it was a refinance or the purchase of a new home.
– Cindy T.


Your staff was very helpful in explaining all that was needed to be done on my part to achieve homeownership. They went beyond their call to make everything run smoothly. I very much appreciate all that you have done for me and my family.
– Lisa H.


We were very happy with our experience. We’ve worked with two other companies prior to being directed to this team, and they were not nearly as helpful with programs, etc. Great job! Keep up the good work and I will definitely use you again and refer you to my friends. Thank you so much!
– Lisa G.


In addition to doing all my personal mortgages, I have been referring all my clients, even the toughest, for over 25 years; and I know Jim Ryder will handle them with courtesy and professionalism.
– Michael K.


Jim Ryder has been my first choice for loan officers over 25 years. In addition to financing my clients, he has done mortgages for my four children numerous times, and now is doing loans for my grandchildren! He is number 1!
– Jake E.


When it comes to recommending a mortgage professional to my real estate clients, I take pride in recommending Carrie Guarrero. First, Carrie’s industry knowledge and experience far surpass that of any other mortgage professional I have worked with. Second, I can rest assured knowing that the best interest of my client is truly at the core of each transaction. Integrity isn’t simply a word or marketing ploy, it is the backbone and foundation of Carrie’s success. Third, I know the job will get done . . . and get done with outstanding results. I do not recommend anyone outside of Carrie Guarrero and Carrie’s team to my clients. In today’s day and age, who you recommend is a reflection of yourself and your business. My expectations of Carrie and her team are incredibly high, and she has always exceeded those expectations.
– Nichole F.


I have known Carrie both professionally and personally since 1995. When it comes to recommending a lender to my real estate clients, only one name comes to mind – Carrie Guarrero is my first choice. I know Carrie will always have my clients’ best interest protected. She brings kindness and trust to the buying process. I know and trust [that] she will take care of them as I would. She will find the best program for their situation. She cares about the client, not what she has to gain. I am also always assured that Carrie knows what is changing in the mortgage industry, and that she will follow through with what needs to happen so that my client is pleased with the final result. When you’re looking for an honest, hard-working, professional, knowledgeable mortgage consultant, call on Carrie Guarrero – you will be pleased you did.
– Sue J.


Carrie Guarrero is a loan officer and company manager extraordinaire! I was always 100% confident that my new home clients’ mortgages would be handled with complete care and competency. In addition to her vast knowledge of all the intricacies of mortgages, her personalized service and remarkably friendly personality had made her the only choice for me and my clients!
– Julie B.