Marsha Gandy

Vice President of Mortgage Lending

621 NW 53rd St, Suite 410, Boca Raton, FL 33487
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NMLS: 60024

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Marsha Gandy and her team made the process easier since day 1. They were all very understanding of the fact that it was my first time buying a property and were ready to answer my questions at all times, in a nice and timely manner. Furthermore, they worked tirelessly to make the scheduled closing date happen despite some unforeseen setbacks. All in all, I was very impressed with Guaranteed Rate and would definitely recommend Marsha and her team to anyone that might be looking to purchase a...

Renzo C. | August, 2018

Thank you for making the whole loan process easy and stress free.

Jeffrey F. - August | 2018

You were my team. Everyone worked very hard to get me to the closing table. It is sincerely appreciated. Thank you.

Robert V. | September 2018

I was so impressed with Marsha Gandy and her team. So was my realtor and already referred new business to her. I would recommend Marsha to EVERYONE!!!!!!!!!!!!

Diana F. - August | 2018

Everybody was cooperative with me and they were very friendly and understanding.

Gamal A. | August 2018

This is the second loan that I have gotten from Guaranteed Rate in two years. I have found everyone at Guaranteed Rate very helpful, prompt and professional. Guaranteed Rate made the whole process very easy. Thank you.

John H. | August 2018

Kalinda and team rock!

Ann-Marie K. | July 2018

Marsha and her team are amazing! The highest level of customer service, excellent communication, and outstanding level of knowledge. They made my fist experience buying a home and absolutely amazing one!

Corey P. | June 2018

Every one were great and new there job every thing i ask i give every one 10+ thank you.

Joseph and Marie L. | July 2018

It is hard to find places that treat you as a person rather than a number. From the very beginning, I was treated with such respect and consideration no matter who I spoke to or corresponded with. Marsha, Kalinda, Pat I can't thank you enough for everything you've done in making this very important decision the most seamless, efficient and easiest experience imaginable. You are all an asset to your company. Thank you

Jacqueline P. | June 2018

The team that I had the privilege to work with was beyond exemplary. The follows through was excellent, my questions were always answered and the individual attention I received made my first time home buy experience seamless. I never felt rushed off the phone, emails were answered promptly and at no point did I second guess the experience the team brought to the table.

Alexandra P. | May 2018

Very happy with the process, Marsha and her team are 100% great.

James M. | May 2018

Marsha, Pat and Rebecca were amazing. Highly recommend Marsha and her team.

Christine Q. - June | 2018

Marsha Gandy and her team made our whole process seamless. They are the definition of professionalism. Thanks Marsha!

Clinton T. | May 2018

Marsha Gandy and her team were amazing. I couldn’t have asked for a more professional and helpful group to guide me through this process. I would absolutely recommend them to anyone looking to get a home loan.

Dustin S. | May 2018

Excellent customer service with the team showing patience and understanding as the loan process proceeded. I would use the word "Magnificent" in describing their care and service. I give them an A+++ and 5 Gold Stars***** and will use them again!!

Bobby H. - May | 2018

Everyone was so helpful, and they got everything done quickly and efficiently, it was a pleasure and I look forward to working with them in the future!

Irini L. | May 2018

Guaranteed Rate provides a smooth financing experience. They are not the path of the lowest priced loan closing, but due to the quality of their people, they are the path of the least stressful and smoothest loan closing. Jen, Kalinda and Pat from Marsha's team were incredibly helpful in making my most recent experience with Guaranteed Rate a great one. I can state without hesitation that they will be my first call for financing for my next property purchase as well.

Paul B. | April 2018

We started our home loan process with a different company, but when they were slow to respond and gave us a rate that seemed a little high, we reached out to Marsha Gandy. She was VERY responsive, got us a better rate, and she met our loan contingency deadline with much less time to work on the loan than the other company. We have purchased and re-financed several times in the past, and this was our best loan experience ever!

David V. | May 2018

Marsha Gandy and her team were amazing. I couldn’t have asked for a more professional and helpful group to guide me through this process. I would absolutely recommend them to anyone looking to get a home loan.

Dustin S. - May | 2018

Marsha Gandy and her associates were very professional and everyone was efficient to expedite my loan to closing. They were TO THE POINT on information requested of me which made it easy to gather and return to them. There was never a moment when I was not in the know and was kept totally abreast of where I was in the loan process. I would recommend any of my friends to Marsha for a loan or any questions on loan commitment.

Jeffrey D. | December 2017

I have used Marsha for over 15 years. Her knowledge and experience is unmatched by anyone else in the industry. She makes the impossible possible. :)

Charles A. | December 2017

Marcia is the consummate pro!

Frank P. | December 2017

Great team of professional women...I can’t imagine going through the mortgage process with any other people!

Pamela M. | January 2018

The staff at Guaranteed Rate were very thorough and provided explicit directions and explanations each step of the way. Each staff member (Marsha, Geneva, Patricia, and Kalinda) I had contact with was extremely professional and utilized a system that gave me clear, specific "to do lists" as well as the ability to upload needed documents and use of electronic signature. I really appreciated the frequent updates and notices to let me know what was going on each step of the way. I felt re-assured...

Arleen P. | January 2018

You know, refinancing or get the initial mortgage is NORMALLY a VERY stressful process. This was my second time with GR and it would be impossible to be any less simplified. The document signing over the internet and extremely tight communications with everyone involved made it so seamless and simple. I've already told a number of people about this team and can't say enough. I need to buy breakfast or lunch for everybody!

Michael H. | January 2018

Marcia Gandy and her team were great to work with. They explained everything and quickly answered any questions I had. Kalinda Dolman was extremely helpful from pre-approval to checking in with me while searching for a home and jumping in at the 11th hour when another staff member was out of the office. Great experience - thank you!

Melissa P. | February 2018

Guaranteed Rate was a blessing for me. Great folks to work with and very informative. Thank you for all your assistance and time.

Iris K. | February 2018

Marsha Gandy and her entire team were amazing throughout this entire process and were able to get my loan done quickly and efficiently in a very tight window. I would definitely recommend Guaranteed Rate.

Logan A. | February 2018

Patricia, Marsha and Geneva were amazing. I don't how we would have gotten this done without you guys. Thanks you so much.

Rodney T. | February 2018

Marsha Gandy and her team were extremely professional, their responsiveness and time to address any question is priceless. Marsha will take the time to go over any doubt, clarification, request anything and everything I needed, no mater the time 24/7 she was always there. Thank you Marsha, I'm very happy and grateful with my 2nd Mortgage experience with you and your team.

Ricardo M. | March 2018

Great experience in an incredibly complex jumbo mortgage process. Great team and would definitely work with them again!

Jesse L. | March 2018

Everyone was very professional and worked hard to meet my closing deadline. I would definitely recommend Guaranteed Rate and would use them again.

Barry K. | March 2018

Marsha Gandy has helped us with multiple new home and refinancing loans. Every time it has been a pleasant experience. We appreciate the helpfulness and professionalism of the whole team.

Leila G. | March 2018

I asked my agent to recommend someone they would trust with their own money and they told me to go to Guaranteed Rate. I was impressed by the fact of the constant contact and certious personal service, I never felt like a number in line. There wasn't once when I called with a question that someone wasn't there to help me or call me back the same day. Even with the delay due to hurricane Irma, they were fought to keep all my agreed a on rates the same and constantly me kept me in the loop as to...

Bertram F. | September 2017

Marsha and her team were simply amazing. I could not be happier.

Audra T. | September 2017

I will definitely use Guaranteed Rate again. It was fast and efficient. Thank you so much!

Marianela G. | November 2017

Marsha Gandy did a great job and was done with our loan early.

Shannon H. | November 2017

My wife and I just purchased our first home, and our lender was Guaranteed Rate. Marsha Gandy and her team were very patient with us and helpful. They answered every question we had thoroughly, and if we needed something, they were quick to respond. I would definitely use Guaranteed Rate again for future transactions. Thank you to everyone from Guaranteed for making my our first home purchase transaction so easy!

Jonathan C. | November 2017

Marsha Gandy was a pleasure to work with! She was responsive by email and phone, easily accessible, seemingly 24 hrs a day, and was patient and friendly when explaining concepts to me, a first-time homebuyer. Marsha was the glue that kept this process together, and I appreciated having her to work with. She understood and resolved our concerns regarding the seller's unexpected delay of closing and locked loan rates -- overall, she was excellent!

Sejal S. - Davie, FL | JUL 2017

Marsha Gandy and her team made our home buying experience an excellent one from beginning to end. We are very grateful to have had such a professional team working with us. My husband and I couldn't be happier with our new home and would like to thank Guaranteed Rate for helping us achieve our dream.

Juan S. - West Palm Beach, FL | JUN 2017

I was so impressed with Marsha Gandy, her team and all at Guaranteed Rate that helped me through this loan process. I applied for a VA Loan, at a time that I had a tremendous amount going on in my life. Marsha and her team in perfect unison with my realtor guided me right through this process in an amazingly short time period. They were in constant contact and always available when I had questions or concerns. All of they're collective professionalism, knowledge, understanding and kindness...

Brian Murphy - Hypoluxo, FL | JUN 2017

Marsha's team made getting our house a walk in the park! She was there at every step of the way. It was an absolute pleasure.

Joseph M. - Boynton Beach, FL | JUN 2017

Marsha Gandy and her team are amazing! Truly professional group who obviously care for their clients and their work.

Joseph M. - Cooper City, FL | MAY 2017

Sharri and I want to thank you for everything you and your team did for our closing. We love our new home. You, Kalinda, Patricia, Rebecca, and others helped us stay calm and focused while others made it difficult.We greatly appreciate how available and helpful all of you were for all of our questions over these last 4 months. We will absolutely be referring our friends and family to Guaranteed Rate for their loans in the future.

Zach D. - Coconut Creek, FL | APR 2017

You guys are the best and so helpful. Thank you Marsha and the whole gang for everything!!

Sharri D. - Coconut Creek, FL | APR 2017

I had a great experience with Guaranteed Rate. Marsha Gandy navigated me through the underwriting process with ease. She had great suggestions along the way and I always felt I was in great hands. She brought her experience to bear in a couple of instances in a most impressive manner.

Juan D. - Boca Raton, FL | FEB 2017

Process was easy to follow and team members were intelligent professional and helpful at all times. They were accessible by phone or email and promptly responded. Very satisfied. Thank you!

Gail C. - Oakland Park, FL | FEB 2017

Marsha Gandy and her team were professional, hard working, and had a quick turnaround time in getting our loan approved. They went above and beyond to secure us the best rate, in addition to giving us a lender credit at the end. They are such a nice group to work with and we would refer them to all our friends and family!

Victor M. - Boca Raton, Fl | JAN 2017

Everyone we dealt with at Guaranteed Rate was very professional, courteous, and friendly.

Mark R. - Delray Beach, FL | FEB 2017

Marsha Gandy is a Superstar!!! She is so kind, and willing to go the extra mile for everyone. She is the reason Guaranteed Rate is exceptional.

Andrew A. - Boynton Beach, FL | JAN 2017

I have to say, this whole house buying experience has been really easy thanks to you.

Christoph T. - Lake Worth, FL | DEC 2016

Changing jobs and moving across the country is daunting and stressful. Marsha Gandy and her team were the consummate professionals.They made us feel comfortable from the first meeting. We felt we had a partner throughout the process. I will use Guaranteed Rate again because of the Gandy Team!

Richard R. - Deerfield, FL | NOV 2016

This is my second home purchase using Guaranteed Rate. Marsha Gandy and her team are amazing and I highly recommend them to anybody looking to purchase a home. They work seamlessly together and were able to clear my mortgage to close in 3 weeks.

Samantha B. - Wellington, FL | DEC 2016

Marsha Gandy was absolutely awesome in working with us through the entire loan process. Her communication put us at ease right from the start of the loan process. Thank you Marsha!

Christopher O. - West Palm Beach, FL | SEP 2016

Excellent customer service throughout the process. Continuous communication about the processing and status of the loan. Online document signing is very convenient.

Peter B. - Delray Beach, FL | AUG 2016

We love Marsha Gandy! This is our second time using Marsha and Guaranteed Rate for our home mortgage, and we couldn't be more pleased with our experience. We recommend her to everyone :) Thank you!!

Sarah B. - Boca Raton, FL | AUG 2016

I have gone through the mortgage process before with Guaranteed Rate & absolutely wanted to obtain my mortgage through Guaranteed Rate this time also. I have to say that Marsha Gandy and her team are the absolute best. Extremely professional, efficient, hard-working, and compassionate.

Celia G.-West Palm Beach, FL | MAY 2016

I was referred to Marsha Gandy by my realtor. This is my 3rd purchase of a home and have previously sold mortgages so I feel that I know a great wealth of knowledge mortgage broker when I see one. That would be Marsha! Herself and her team are wonderful and put my husband and I at ease thru this stressful yet exciting time. They are all true professionals and masters of this field. VERY EXTREMELY happy with my experience

Jennifer G. - 3/29/16

Marsha Gandy works hard and smart again. Thank you!

Kristy H. – Fort Lauderdale, FL | AUG 2015

Marsha Gandy is the best! This is my 3rd loan with her and I have recommended her to friends that have used her as well.

Nancy S. – Boca Raton, FL | July 2015

It is nice to work with people that know what they are doing.

Chris M. 11/4/2015

" This is my second interaction and Marsha made it easy the first time and just as easy the second time "

Stacy L.– Boynton Beach, FL | May. 2015

PERFECT, PAINLESS, PROFESSIONAL & COURTEOUS STAFF...THEY MADE WHAT SHOULD HAVE BEEN A BIT DIFFICULT HAVING TO GO THROUGH A FEW PERSONAL CREDIT ISSUES FEEL EASY AND EFFORTLESS I would not go anywhere else for a mortgage after this very professional & pleasant experience!!! Why would I? I love this organization!

Barbara F. 11/3/2015

Thank you so much for all your help throughout this process - you and your team are great! From our first conversation to the day we closed, you held my hand throughout the process and made it go as smooth as possible. Thank you to you and Kalinda for keeping me updated all the way and taking care of so many things for me. Working with you has been a great experience.

Samantha L. – Boca Raton, FL | May. 2015

Being able to do the application in the comfort of my home make me feel more secure about my information. It also made it very easy to update files that were needed throughout the process. Marsha is an outstanding loan officer to work with. She was able to answer all my questions help educate me in areas where I lack the knowledge. And to have her there at the closing made me feel more comfortable.

Jada C. 10/22/2015

Thank you Marsha for being candid with me from the beginning. Never had a misunderstanding or miscommunication about any of the process. Everything went smoothly, I enjoyed working with Marsha and her team!

Laureen P. – Boca Raton, FL | May. 2015

Thank you Marsha. Everyone on your team was excellent to work with. I look forward to working with your team again soon on the next property

Scott M. 9/29/2015

Marsha Gandy and her team were great in every aspect. I will definitely recommend you moving forward. Thank you so much!

Tony G. | Mar. 2015

When I shopped around, Guaranteed Rate offered a better rate without all the "gotcha" sales techniques

Joseph R. 8/31/2015

We continue to be thoroughly impressed by the work and services your team provides. Perhaps we'll be able to convince you to expand your business in GA on a more permanent basis. There's no doubt you'd do well here.

Anthony and Ashley J. 8/25/2015

Marsha Gandy and Scott Schnepf were both extremely efficient and easy to work with. They talked me through the whole process, answered my questions on email promptly and made the whole thing as easy as possible.

David F. - Boca Raton, FL | Dec. 2014

Smooth transaction from the beginning to the very end

Elizabeth P. - Boynton Beach, FL | Nov. 2014

Marsha and her team were incredible - they went the extra mile for me every step of the way. No email question or phone call went unanswered, so I always felt a part of the process. Marsha clearly knows the business inside and out - her knowledge plus her patience were the perfect combination for me to know my options and choose the best mortgage solution.

Valerie H. 8/20/2015

The whole team was great to work with and an excellent support system!

Christine F. 8/13/2015

Marsha Gandy and her team were AMAZING!! The rates are very competitive and the people were top notch. Everyone was very friendly and provided a high level of service. I appreciated the follow up phone calls, emails, and prompt responses when I had a question. I also liked the fact that I can follow the loan process on the website and see where I am every step of the way. I would definitely recommend Marsha and Guaranteed Rate to any of my colleagues at work and friends.

Evenz E. -- Fort Lauderdale, FL. 9/26/2014

“Thank you for the great news of my closing! My experience with Guaranteed Rate, and especially Marsha Gandy, has been amazing. Marsha exceeded my expectations and I will definitely recommend her to my colleagues and friends.”

Evenz E. – Davie, FL – 9/2014

Marsha was awesome!

Constance M. -- Palm Beach Gardens, FL. 10/10/2014

Marsha and her team made this such a fast and easy process! They were so delightful and easy to reach!

Katayoon B. -- Miramar, FL 7/26/2014

Marsha and her team were excellent! They were on top of everything from my first contact with them to the closing!

Charles L. -- Aventura, FL 7/21/2014

Marsha Gandy and her team were extremely helpful in every aspect! They went above and beyond to make sure we were happy! Marsha is a great asset to Guaranteed Rate!

Matthew P. -- Davie, FL 7/10/2014

Marsha was great and stayed on top of all issues to ensure they were resolved quickly!

Michael E. -- Fort Lauderdale, FL 6/24/2014

Marsha and her entire team were extremely helpful and accommodating. We could not have had a better experience!

Leslie B. -- West Palm Beach, FL, 2/17/2014

Marsha was very helpful and very informative and she answered all our questions.

Christopher M. -- Palm Beach Gardens, FL, 2/20/14

Thank you for working on my home loan and making the closing happen so quickly and efficiently. You do have an amazing team as well! I will definitely recommend you to anyone I know, you are the best! With Respect,

Victor P. - Palm Beach Gardens, FL

Aaron and I just wanted to thank you all for the amazing job you did guiding us through the purchase of our first home. You went over and beyond to help. Your responsiveness and patience were very much appreciated. Thank you all again :)

Lindsay and Aaron - January 2014

Marsha, As with my previous two experiences with you and your team I was thoroughly delighted with your service start to finish. Your timely communication, information, availability, and customer service are exemplary! Please relay must utmost gratitude to your entire team. I shared with my Realtor and closing attorney what confidence I had in using you and recommending your services, hands-down, to anyone in Charlotte needing a lender. It really was a pleasure.

Rev. Aaron M Assistant Pastor

Purchasing a second home when your first home is a thousand miles away can present a challenge to the buyer. In this age of rapid technology, it can be done, but what makes it a palatable situation are the human beings behind the emails, faxes, and phone calls. Marsha Gandy's Guaranteed Rate is one smooth-running operation with a team that is beyond capable. All correspondence with Marsha, Kalinda, Rebecca, and Boris was professional, helpful, friendly and reassuring. There is no doubt that...

Therese M. - 8/2013

Hey, check out this amazing review from Lisa about Marsha! “Marsha Gandy and her team were fabulous to work with. I highly recommend them!”

Lisa S. – 5/2013

Hey, check out this amazing review from Leslie about Marsha! “I had a great experience with Marsha Gandy at the Norton's closing. The buyers were extremely happy with Marsha's care as they are first time home buyers. Keep up the good work, Marsha!”

Leslie Arkin, Realtor – Boca Raton, FL – 6/2013

Hey check out the glowing review from Peggy about Marsha! “Marsha Gandy and her excellent team made the entire mortgage process easy. I always knew where we were in the process and they responded quickly when I had questions. I can't thank them enough for all the help they provided from start to finish. If you want the best mortgage broker in Boca Raton and surrounding areas, call Marsha Gandy!!

Peggy B. -- Chicago, IL-- 03/2013

Hey check out the amazing review from Leslie about Marsha! “I am very thankful to have been referred to Guaranteed Rate. The staff at Guaranteed Rate was responsive to my questions and very easy to work with. What a relief to not feel as if I were being taken advantage of or dismissed! Thanks Marsha for everything and your team for ensuring the lowest rate. I would recommend your services to anyone looking to refinance!”

Leslie H. -- Boco Raton, FL -- 02/2013

I wanted to take a moment to thank you and your team for all the effort you put into helping me close on our home. As well as the patience your team showed towards all my calls and questions.

Gianny C. - Boca Raton, FL 12/12

Your associate Marsha Gandy is truly a gem of your industry. I had high expectations and this was one of those rare cases where my expectations were exceeded.

Tom J. - Pompano Beach, FL 10/2012

Just refinanced with Marsha Gandy. Never has been obtaining a mortgage been made easier or handled more professionally and efficiently. Would recommend her to anyone. Her company serves all states. Amazing group !!"

John R. - Naples, FL 10/2012

I am blessed with having an amazing mortgage person I can refer to buyers. I feel assured if she pre-approves them, it will CLOSE without problems and go amazingly smooth. It makes all the difference in the world

Sandra M. - Serafina Realty & Property Management

...I wanted to thank you both very much for all your help and hard work. We feel lucky and blessed to have had such a great team on our side throughout this adventure. Your help and work is greatly appreciated. Thanks to you we have realized a dream and we have taken our life a step forward in building a family. We are very happy with how things were done. Rest assured that when time comes I will not hesitate to recommend you and your company to anyone.

Marian & Allison I. - Boca Raton, FL 7/2012

Marsha assisted me with my mortgage on my new home. Not only did I get the best rate possible, but I also knew Marsha took special care of me because that''s how she conducts her business. With heart and soul and attention to every little detail. Marsha goes further than most other would in any business, answering questions before I knew I had them. I give Marsha and her team my warmest recommendations. Thanks Marsha!

Trine. A. - Boca Raton, FL 5/2012

Thank you all for all the help, assistance, focus and incredible customer service that I received. The mortgage and refinance process is extremely complex, but you all made it a very straightforward process. I am now the happy owner of a incredibly low mortgage rate, that will save me a huge amount of money.

David S. - Boca Raton, FL 4/2012

About Marsha

- Top 1% of Mortgage Originators in America 2013, 2014, 2015 and 2016 by Mortgage Executive Magazine

- Over 28 years as a mortgage loan originator.

- Owned and managed my own mortgage brokerage business for 12 years.

- Rotarian for over 17 years

- Past Board Member of the Rotary Club of Boca Raton Sunrise, Rotarian of the year 2006-2007, 2009-2010

- 2007 Woman Volunteer of the Year Nominee

- Mentor and founding member of the Business Networking International All-Stars Group

- Bachelor of Science in Electrical Engineering from the University of Florida

- Loves to travel, currently, has traveled to 19 countries

Marsha 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 for over 23 years and was inspired to enter the industry after my own experience of being a small investor for a number of years. I felt that the consumer would be better served if they were treated as I would like to have been treated when I was getting my own mortgages. Even today, after all of these years, my clients get the same level of service that I would demand for myself.
What advice would you give new or first time home buyers?
I would advise any new or first time homebuyer to first be prequalified for their mortgage in order to confirm all of their personal data that they will need for the mortgage is in order. To seek out this prequalification from a mortgage professional with experience and a wide variety of tools available to their client, and most of all, someone that has delivered as promised in the past to their family or friend referring them.
What part of the home loan process do customers find most difficult and how do you help them through it?
The support documentation is the biggest hurdle for borrowers today. I explain at the beginning of the process that when the multitudes of docs are requested it is no reflection on them and their credit worthiness, just the nature of the mortgage process today. Explain that if they approach the process with a bit of patience and sense of humor that the process will be a bit more tolerable.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Jacksonville, FL, and obtained a Bachelor of Science in Electrical Engineering from the University of Florida. Currently, I am an active member of Rotary Club of Boca Raton Sunrise. In my spare time I enjoy photography. I currently have two of my photos on display in a local community center and will have a show in the same center with 14+ of my photographs from the end of Aug. to the end of Sept. 2012.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a degree in electrical engineering and I worked as an engineer doing power distributions and controls. I left it all over 23 years ago to pursue what had been a hobby of helping people qualify themselves to get mortgages (which I did from the knowledge I had gained by getting my mortgages for my investment properties) into doing it as a profession.

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