GuaranteedRate Logo
GET APPROVED INSTANTLY

Richard Romano

Regional Vice President / SVP of Mortgage Lending
621 NW 53rd St, Suite 410, Boca Raton, FL 33487
Contact Richard
NMLS: 190003
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

My husband and I worked extensively with Patty Lother from your team over the last half year to close our two loans. We wanted to share our great experience with Patty, she has been such a pleasure to work with. We've taken out several loans in the past, and Patty has been the best person we've ever worked with. She is extremely responsive, organized and patient. She made the entire loan process seamless and not a pain at all. We will definitely be back again with future loans!

April Z.

The primary reason is Rich Romano. He's great.

Bruce A. – Delray Beach, FL | July 2015

Richard Romano is the BEST!!!

Jeffery J. – Delray Beach, FL | Feb. 2015

We just finished a loan with Richard and his team and it was a great experience. They helped us meet a very aggressive closing table, when other companies could not. Despite that challenge, Richard and his team secured us a great rate, kept us well informed and made the loan process seamless. They were also friendly, knowledgeable and very responsive. It was a real pleasure to work with them. We would work with Richard Romano again and highly recommend him to others.

Karen & Tom R.

Rich- You recently did a loan for a property I sold, and got it done in 11 days!! The buyers were raving about you, and I wanted to say thank you!

Joanna D.

Richard and his team were great to work with!

Shelley A. -- Delray Beach, FL 7/31/2014

Dear Rich and Cody, Thank you for making this happen. I would definitely recommend your team to friends and family.

Harriet R. - Boynton Beach, FL 7/11/14

Richard was exceptional. Everything went very smoothly.

Wayne A. -- Holmdel, NJ 4/23/2014

Cody Barnes was attentive right from the very beginning until the very end. I believe Cody went above and beyond his responsibility to me and every time I called him with questions (and there were many calls!), he was gracious and always provided me with answers to my questions. He did not make me feel, for one moment, that I was bothering him. I honestly believe I might not have completed this process had it not been for Cody and his professionalism and attentiveness towards me through this...

Sharon H., Farmington, CT 5-1-14

"Richard always gives me the best rates and he always gets the job done with the least amount of worry. I have done a lot of work with him and I keep coming back because how great it always is!"

Allan R. -- Miami Beach, FL. -- 8/ 2013

“I have been dealing with Richard Romano for 2 years now. He and his team are the best in the business. Richard consistently saves deals for me and if it weren’t for him, I honestly would be making 20% less a year. I want to thank Richard and his team especially for my 2 deals this past Friday. I really do appreciate it!”

David S., Realtor – Boca Raton, FL – 9/2013

As a realtor I hate to be sitting there with the buyer who was very unhappy with the lender while the title company constantly expresses their unhappiness with how the lender handled the closing. When I refer to Guaranteed Rate mortgage, Richard Romano in particular, it is a pleasure to sit at the closing table and have the title company, closing agent and the buyer rave about my recommendation.

Michael C., Re/Max Services, Boca Raton, FL

Everything was very well organized. At all times, I knew what was needed and when it was needed by, etc.

Nicole J - 12/2012

Rich and his team were successful at accomplishing our goal through responsive, honest, diligent work.

Daniel V. - 12/2012

Everything went smoothly. I am a 1st time buyer, and I was extremely nervous. I had many questions that were always answered with a smile.

Debra N. - 12/2012

Thank You so much for pulling it all together for us yesterday. This was a challenging file with refi and loan to close in less than 30 days and natural disaster wow... You did it, Thank You!!!!!!!!!!!!!! :)

Rhonda U., 11/2012

Everything went well. Richard Romano and his team were highly professional and the process was described in a clear and honest manner. I would recommend Richard Romano.

Meta C. - Boca Raton, FL 6/2012

I will certainly keep you in mind for customer financing - It was a true pleasure working with you and I appreciate the fact that you had everything done well ahead of time as everyone does. We will definitely do more business together!

Margo B - Prudential Florida Realty - 05/2012

My family has been in the Real Estate business since the 1950's. We have developed and built new communities and owned Real Estate firms. So, you could say that I have Real Estate in my blood. Richard Romano of Guaranteed Rate has to be one of the most professional, organized, and genuine people I have ever met in the mortgage business! His commitment to his profession, Real Estate Agents, and to his customers is admirable. He and Guaranteed Rate have taken great care of me and my customers for...

Jeffrey A. Johnson - 05/2012

Thank you very, very much for your professional attention to every detail during my loan process. From start to finish, I felt that I was in excellent hands. The communication was really superb and the customer service unmatched. I would gladly refer you to anyone I know.

Sandra M. - Ft. Lauderdale, FL 2/2012

I am so impressed with the way you handled Jessicka and Yaads loan that I would love to use you as my mortgage broker. Thank you so much for the wonderful work you did for me and you shall receive refferals from me soon.

Carol C. - Rent1 Sale1 Reatly- N Palm Beach, FL

Thanks so much to you and your staff for your hard work and dedication in making this major deal happen in what must be a record breaking time, Shirley and I thank you from the bottom of our hearts....

Bob & Shirley H. - Boca Raton, FL 11/2011

About Richard

I have been in the mortgage business for 15 years, and I am acknowledged as being in the top 1% of all mortgage originators in the country.

Richard interview Q&A

Who is your typical customer and what questions do they typically have?
In order for a borrower to have a successful and smooth mortgage process it is critical that they choose the right loan officer. It is my experience that having a top loan officer who is an expert at their profession will help ensure a smooth process for the borrower. Once you have chosen the right loan officer it is imperative that you listen to them, and do exactly what they tell you. Top loan officers are closing hundreds of loans a year and know exactly what it takes to ensure a smooth and timely underwriting process and eventually a smooth closing.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for 12 years and I am acknowledged as being in the top 1% of all mortgage originators in the country
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
In today's low fixed rate interest rate environment I have a strong bias towards fixed rates. If you can afford the payment on a 15 year fixed rate, that is the best option. If the payment on a 15 year fixed it not within your budget I highly suggest the 30 year fixed. With fixed rate in the mid 3's at the current time I do not see any advantage in taking an ARM to save .5 to 1 point on the interest rate. As rates start to increase, an ARM may start to have a risk/reward that makes them more attractive but at the current time I advise most clients to stay with fixed rates.
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?
Trulia, GreatSchools
What can borrowers do to insure a smooth mortgage underwriting process?
IIn order for a borrower to have a successful and smooth mortgage process it is critical that they choose the right loan officer. It is my experience that having a top loan officer is an expert at their profession will help ensure a smooth process for the borrower. Once you have chosen the right loan officer it is imperative that you listen to them and do exactly what they tell you. Top loan officers are closing hundreds of loans a year and know exactly what it takes too ensure a smooth and timely underwriting process and eventually a smooth closing.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Boca Raton and attended Spanish River High School and then Florida Atlantic University where I played Baseball. I was fortunate enough to be drafted by the Detroit Tigers in 1997 and spent 4 years with Detroit prior to entering the mortgage business. I am married with 3 wonderful children and spend most of my time away from work coaching their sports teams. If I am not working or spending time with family, I love to play Golf.
Tell us something that makes you unique or something wacky, yet interesting about you?
If I am not working or spending time with family, I love to play Golf.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state. Please see Assumptions for more details.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options

Start your Digital Mortgage

Apply now