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Aaron Pelarske

Vice President of Mortgage Lending
98-199 Kamehameha Hwy, Unit C-01, Aiea, HI 96701
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NMLS: 31355
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TestimonialsCustomer testimonials Read more

Aaron Pelarske was great! He was so nice and helpful and made the process so easy. Thanks so much to the entire team!

David J. | 9/8/2017

Working with Aaron and his team is wonderful. The process is stressless:)

Patrick H. 7/26

Aaron was great to work with!

Veronica S.

Great experience again as made it simple relaxed and easy to manage all the way through closing.

Michael L. | 05/15/2017

This is the third mortgage I have done with Aaron. I'm definitely planning to use Guaranteed Rate for any future business.

Wayland Y.- Tucson, AZ | JUN 2016

Aaron Pelarske does an excellent job with his customers! He's always prompt to respond and the information is always accurate!

Michelle R. -Houston,TX | MAR 2016

"Aaron Pelarske was amazing. Thanks to him we were able to get what we wanted!"

Patricia T. – Dublin, CA | Dec. 2015

Aaron Pelarske was great and I would recommend him to others.

Saahir H. – Lawrenceville, GA | AUG 2015

Aaron Pelarske is the best loan officer I have come across. He went way above what is needed to get the loan in place. I will forever come to you first for any future loans. Thanks Aaron!

Romana R. -- Alpharetta, GA. 10/15/2014

Aaron and his team did a great job navigating us through the complexities of the US mortgage market. For expats thinking of investing in the US property market they are the "go to" team. We could not of achieved what we did without Guaranteed Rate.

William C. -- Chicago, IL 4/28/2014

"Aaron and his staff at Guaranteed Rate were extremely helpful during the loan process. They were available for all of my questions were with detailed steps and explanations. This was my first experience with Guaranteed Rate and it was completely effortless. Thanks everyone!"

Brandon M. -- Kyle, TX. -- 2/2013

"Aaron is extremely knowledgeable about lending, and gave us outstanding service from start to finish of our home loan. Aaron communicated very clearly, and was always willing to explain any questions we had through our loan process. We were always kept up to date and the system he uses is very efficient. We are very happy with Aaron's work, and have recommended him and Guaranteed Rate to a close friend of mine."

Michael B. -- Georgetown, TX. -- 3/2013

Aaron was FANTASTIC. We determined on my original deal that he would not be able to help because he could not match the incentives the builder was giving me for using their preferred lender. He took time out of his busy day to review the paperwork the other lender was giving me and tell me what was incorrect or missing. So, when that deal fell apart, I immediately thought of him and asked him to send me a quote for the new house. Turns out, his closing costs were MUCH cheaper!

Elizabeth J.- Newnan,GA | SEP 2013

"Aaron Pelarski and his group have been a pleasure to work with! They were great at keeping me informed through each step, answering any questions I had and making the process as simple as possible. This is my third time using Guaranteed Rate and I'm a very satisfied client!"

Ronna V. -- Long Beach, CA. -- 10/2012

“I have used Guaranteed Rate 2 times and they have done an awesome job. Aaron and Darryl made the process so easy. Aaron kept me updated all of the time and I had no problems throughout the whole refinancing process. I highly recommend Guaranteed Rate for anybody looking to refinance. Thank you so much!”

Mary G. – San Diego, CA -- 8/2013

Hey, check out this amazing review from Steve about Aaron! “Aaron Pelarske and his team were fantastic! They did my HARP refinance with minimum headaches and minimal fees. Thanks to all for a job well done!”

Steve C. – Turlock, CA – 4/2013

"We worked with Aaron Pelarske and his team and they were just great. Everything went relatively smooth and things happened according to schedule as we had been told. Working with them was a straightforward affair with all the information provided upfront for us so we could follow the progress. We've worked with Aaron in the past and he has earned our trust & confidence."

Thomas H. -- Piedmont, CA -- 04/2013

About Aaron

I started off in the Mortgage business as an intern in 2006. The opportunity turned into a career and I am thankful to be able to assist current & potential homeowners each day.

Aaron interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 2006.
Who is your typical customer and what questions do they typically have?
Someone looking to refinance or purchase. Questions range from how fast can I close to how much documentation is needed.
What specific steps do you use to help your customers find the best home loan for them?
I will ask questions that help to uncover their goals.
How long have you been in the mortgage business? What awards have you won?
10 years - President's Club Member & Top 1% producer
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Clients that are either conservative or ones that are looking to stay in their home for 10+ years look toward a fixed rate. The positive of a fixed rate is that it allows a homeowner to not worry about fluctuating rates & it provides for a consistent monthly payment. On the other side if a homeowner moves or refinances in the next 7 years it would have made more sense to move into a 7 year ARM. An ARM product is roughly 1% lower than the 30 year fix. You're just leaving a lot of interest on the table if you donýt stay in your home & donýt refinance (again) for 7+ years. The average homeowner refinances roughly every 3 years...
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
A client needed to close on a purchase in 15 days ý we rushed the appraisal & underwriting. With a great deal of hard work from my team we were able to meet the close of escrow.
What advice would you give new or first time home buyers?
Get fully approved ý being fully approved means that an LO has pulled your credit & reviewed your supporting documents. Supporting documents can be paystubs, W2s, 2 years of tax returns & assets. If the following is not reviewed you could be wasting your time & the realtorýs time.
Tell us about a mortgage product that consumers may not be aware of?
The 10 year ARM is a nice alternative to the 7 year ARM.
How has the mortgage industry changed since you started, and what would you expect in the future?
More oversight and regulation - when I first started in 2006, we didn't verify information as closely as we do now.
What part of the home loan process do customers find most difficult and how do you help them through it?
Gathering the supporting information needed for underwriting. We allow clients to upload their documents via TransferSafe which helps make it easier.
What are the top 3 misconceptions people have about the home loan process?
They can't get qualified, they need 20% down on a home & they can't get help with a credit score below 620.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
The Guaranteed Rate app
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Visiting Guaranteed Rate's website & consulting with their Loan Officer.
What can borrowers do to insure a smooth mortgage underwriting process?
Submit all the information that the MC requests.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Livonia, Michigan. Graduated high school from Calvary High School & attended Cedarville University.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping clients reach their goals.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Golfing & traveling.

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