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Michael Dunsky

Branch Manager
38 Pond St, Ste 108, Franklin, MA 02038
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NMLS: 21372
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TestimonialsCustomer testimonials Read more

Good job guys, a real professional, orderly process. Wish all businesses had your work ethic. Thank you for everything, would highly recommend Guaranteed Rate anytime to all.

Steven C. -Mansfield, MA | MAR 2016

Thank you for making this stressful time an easy process!!

Patricia S. -Franklin, MA | MAR 2016

The process was seamless. It was extremely easy to upload all required documents to the portal and all members of the team were great to work with. It was a fast, streamlined and relatively effortless process.

Michael M. -Franklin, MA | MAR 2016

Mike, Belinda, Karen and both Sara's were all awesome! Easiest Mortgage I've ever done!

TREVOR M. - Holliston, MA | Dec. 2015

Mike Dunsky was amazing throughout the whole process!!

Kaitlin D. – Franklin, MA | May. 2015

Michael Dunsky and his entire team was terrific. They kept me up to date on needs and progress, and educated me on the process.

Andrew S. -- Concord, MA. 9/15/2014

Mike Dunsky was awesome, professional and helpful. He was always available

Teresa A. -- Shrewsbury, MA. 9/12/2014

Michael was incredibly helpful. The process was painless!

Jacqueline C. -- Nashua, NH. 9/11/2014

Mike was great to work with. He was very honest and straightforward.

Lawrence M. -- Franklin, MA 8/28/2014

Mike was great! I really appreciated Mike Dunsky's fast email responses to any questions I had!

Matthew B. -- 8/14/2014

Everyone was very knowledgeable, friendly and professional. All my questions were answered accurately and promptly.

Carrie S. -- Milford, MA, 8/4/2014

Mike Dunsky and Guaranteed Rate are great! They locked me in at the best rate around, and the process to provide them with all the required paperwork is the easiest I've ever encountered. I would go back to them in a heartbeat if I move again.

John B. -- Franklin, MA 6/18/2014

The experience was very pleasant and I am very happy with the results! Michael was great and very detailed in his work!

Barbara L. -- Millis, MA 4/22/2014

The process to get a mortgage was painless. Even though the seller's side posed challenge, Michael Dunsky with Guaranteed Rate held our hands throughout the process.

David T. -- 2/27/2014

"I had a great experience and felt really comfortable with Guaranteed Rate. I was really pleased to have Mike Dunsky handling my loan. Mike is friendly, knowledgeable and a pleasure to work with! He made the process easy, was always available and is incredibly patient. We would definitely use Guaranteed Rate again for the convenience, good interest rates and Mike was very helpful going over various options with me."

Stephanie M. -- Stowe, VT. -- 8/2013

"Everything went smoothly and Michael Dunsky went above and beyond to help me find a loan that fit my situation. Jack Eaken, Belinda Costello, Terry McGovern, and Michael Dunsky were fabulous... always available to answer every question and to assist with whatever I needed. Why wouldn't I use Guaranteed Rate again?.... It was a great experience!"

Maria S. -- North Andover. MA. -- 5/ 2013

Hey, check out this amazing review from John about Michael! “I worked with Michael Dunsky and his team. Everyone was attentive and knowledgeable throughout the whole process. The quick responses to emails and calls were greatly appreciated. Do yourself a favor and call Michael Dunsky!”

John S. – Quincy, MA – 6/2013

Hey check out glowing review from Joyce about Mike! “Mike and his team are superb!I have sent many clients to him but have never worked directly for my own financing. Very professional, knowledgeable,"make it happen" team! I was very impressed with Michael!”

Joyce I. -- Milford, MA -- 01/2013

Hey check out the incredible review from Lilly about Michael! “Anyone in need for mortgage or financing in the New England area, you must consider Mike Dunsky. Without Mike we would have never been able to close our loan! Mike and his team evaluated all the issues carefully and walked us through every step of the way ensuring all the documents were clearly presented! Our loan was approved in less than 3 weeks and we receive a fantastic low rate. Thanks...

Lilly Z. -- Sharon MA -- 02/2013

Hey check out the glowing review from Ross about Michael! “What a great experience working with Michael at Guaranteed Rate. The process was very efficient, and much quicker than I anticipated! Great communication from the team throughout the process! Thanks for making this so smooth, I will definitely refer you to others!”

Ross T. -- Needham, MA -- 02/2013

...Thank you for helping make our home buying process as smooth as possible. We couldn’t have done it without you! Your whole team was extremely accommodating and personable. You went above and beyond, calling and emailing every step of the way and answering all our questions. Both Kristin and I will be sure to refer all friends and family in need of a mortgage broker!

Justin & Kristin S. - Medway, MA 11/2011

Thanks for all your work. It is great to work with a professional like you who knows what to do and how to do it and if he can't, has contacts that can help with the problem.

Carol H. 10/2011

Everyone at GR was professional and personable. The entire process went smoothly and again everyone we came in contact with was excellent. We would recommend GR to family and friends looking to buy a home. Thank you again for a pleasant experience

Lisa B. and Paul G. Framingham, MA 8/2011

Hey check out how amazed Ryan was with Michael services! “Michael Dunsky worked to make our dream home become a reality. He exhibited an exceptional level of service and responded to phone calls and emails the same day if not immediately. We always were extremely informed and up to speed as to where we were in the process. I would recommend Mike and the Guaranteed Rate team to anyone looking for a mortgage and plan on using him again in the future!” ...

Ryan O. -- Dover,MA -- 12/2012

About Michael

As with most things in life, I fell into mortgage banking purely by accident after graduating college in 1988. Since then I have experienced the processing, underwriting, and beginning in 1992, origination of residential loans. Looking back, it's absolutely one of the best decisions I have made as I am involved in helping my clients achieve the dream of owning a home and helping clients with the single most important investment of their lifetime.

Michael 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 banking industry since 1988. Upon graduating college I had bills to pay like so many others and a friend asked if I wanted a job "processing" mortgages. At that time I didn't know two important things... A) I had no idea what a mortgage was. And B) I didn't even know there was a "T" in Mortgage. Little did I know at the time that accepting this job of processing loans would lead me down a career path that I absolutely love.
Who is your typical customer and what questions do they typically have?
My clients are everything from seasoned homeowners looking for their second or third home, to the first time buyers who have no idea what is involved in buying a home. And there is no such thing as typical questions that I am asked as each individual has their own knowledge, or limited knowledge of buying a home.
What specific steps do you use to help your customers find the best home loan for them?
In order to help clients find the best home loan I need to find out about their current financial situation as well as their short and long term financial goals. Once we identify these items then figuring out the best home loan is a matter of educating my clients on which loans are available and together, we decide the best route to go.
How long have you been in the mortgage business? What awards have you won?
I have been in residential lending beginning in 1988 and since that time I am generally recognized by industry affiliates as being in the top 200 loan officers nationwide as well as in the top 1% of loan officers throughout the country.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed Rate Loans= security and stability as a fixed rate loan payment will never change. The downside to a fixed rate loan is that the rate is higher than most other loan options available. Adjustable Rate Loans= lower interest rates and, therefore, lower monthly payments. However, the ARM's have a risk that at some point the rate can change and go higher, therefore, increasing the monthly payment. With that said, as someone diversifies their investments portfolio with some higher risk investments, an ARM loan should be viewed the same way as this is an opportunity to better manage your monthly debt.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
There are many challenging situations where I have been very successful in helping a client obtain a home loan but the one that stands out the most is a single, working mother taking care of her child, her sister who was still in high school, and her grandfather. The home they were living in was being sold and they had nowhere to go. She made a decent income as a nurse but taking care of everyone didn't leave her with much savings and her credit was not the best. Her closing was one of the most emotional closings I have ever had.
What advice would you give new or first time home buyers?
Get EDUCATED! If your loan officer does not explain everything to you along with all of your options then you are likely not working with the right person.
Tell us about a mortgage product that consumers may not be aware of?
I like a 10 year adjustable rate mortgage. This gives a client 10 years of a secure payment and is slightly lower in rate than a 30 year fixed rate loan. It's a great way to be secure with your payments and take advantage of a lower rate with little risk at the same time.
How has the mortgage industry changed since you started, and what would you expect in the future?
I went from an IBM Selectric typewriter on my desk and waiting four days to receive a credit report, to a 10 minute loan approval complete with rate and terms available. In the future I expect a little more common sense will come back to the mortgage industry regarding documentation requirements from clients.
What part of the home loan process do customers find most difficult and how do you help them through it?
The financial paperwork necessary from the borrowers is the most cumbersome to many but what we do to alleviate this frustration is provide a very complete up-front list of items needed and clients find that very helpful as we are not going back and forth asking for more and more documentation.
What are the top 3 misconceptions people have about the home loan process?
1) It's as painful as a root canal. 2) It's frustrating. 3) See 1 and 2
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?
None. There are great mobile apps out there to look at but nothing takes the place of speaking with a loan officer to make sure you are qualified to purchase in the price range you are looking in.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
It's always a good idea to take a first time buyer class. These are often presented by local non-profit groups and are very helpful in going over the homebuying process.
What can borrowers do to insure a smooth mortgage underwriting process?
The number one thing a borrower can do to ensure a smooth transaction is to provide the requested documentation immediately. This will help ensure a smooth transaction.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am active with my temple as past assistant treasurer as well as currently sitting on the finance committee.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am involved in our local Franklin Downtown Partnership organization as well as a strong supporter of the Make A Wish Foundation, RESPOND, INC (a local organization that provides assistance to victims of domestic violence), and a regular donor to the local food pantries.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in a suburb of Boston with a brother and sister and graduated in 1988 from Antioch College, Yellow Springs, OH.
What provides you with the most satisfaction in your job as a Loan Officer?
The number one most satisfying aspect of my job is that I get to help people get what they want. I view myself as an educator and facilitator and get the most satisfaction of helping my clients through one of the most exciting times of their lives.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Well, I love golf but don't golf as much as I would like. I love fishing... all types- lakes, rivers, ocean, but don't fish as much as I would like. However, the most enjoyment I have in my spare time is spending it with my wife and children. Holding hands with my wife while we attend their school and extracurricular events, receive awards, enjoying their plays, performances, and sports, and just watching them grow up.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have hobbies and interests like others and there is really nothing too wacky or zany about me. What\'s most important to me is family - my wife, my children, my parents, siblings. There are very few things in life that are more important than family.

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