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Rob Novak

Branch Manager
1100 Dexter Avenue N, Suite 100, Seattle, WA 98109
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NMLS: 114629
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It was a pleasant experience dealing with Rob Novak and his lending team. We were pleased that this team understood the complexities of borrows who own their own business and knows how to read tax returns! We would certainly use them again and have already referred Rob and his team to several friends/family members who are in the mortgage market.

Veronica R. - 10/13/16

Everyone was very informative, quick to respond, and made this a painless process - compared to the experience some of my co-workers have talked about. I'm very appreciative.

Ryan D. - 10/13/16

It was pretty easy to complete application, then get notified from loan officer. The only negative is the loan took longer than I expected and it was all contingent on the appraisal. Communication and expectations on loan values were well explained.

Jo Ann P. - 9/29/16

I have already recommended you to a coworker who is in the market for a home.

Erin W. - 9/28/16

Rob was very attentive and responsive. He always made sure to follow up on things that needed in the process. I really appreciate his hard work and dedication.

Satoko I. - 9/28/16

Awesome team, who went above and beyond. Responded to my inquiries even if at an inconvenient time.. and always quick to respond. Worked great with my realtor! Or at least from what I could tell! :) thank you again team!

Kayla C. - 9/15/16

Rob was an awesome partner in our home purchase. He was available to all days of the week to turn around a letter for an offer, and offered of wealth of knowledge on how to construct our loan. Highly recommended!

Meghan M. - 9/6/16

Rob and the team made my overall experience amazing. I felt that my happiness was there number one priority. Nothing like can do attitudes to make an unexpected experience.

Austin B. - 8/25/16

Rob Novak was, quite simply, AMAZING!!!!! Very knowledge, extremely responsive, always helpful, willing to answer my questions and to relentlessly willing to work and (re-work) numbers (and to hold my proverbial hand through tears and rants about losing out on houses) at all hours, day, night, weekends and holidays. Rob successfully blew up my preconceptions (read: misconceptions) about the mortgage process and ensured that it was as painless as possible. His customer service was so exemplary...

Michelle R. - 4/11/16

Rob and his team were awesome this was very easy for me I know they had to deal with some things that came up but they handled it and made my experience amazing. I will tell anyone I know looking for a loan or refinance about you all. Thank you!

Robert G. - 6/13/16

Rob Novak is a rock star!!

Michael H. - 6/21/16

Rob Novak and his team were great!

Brent W. May, 2016

Rob was amazing! Everyone we worked with thought so as well. Couldn't have asked for an easier experience as a first time home buyer.

Jensine M. May, 2016

Rob Novak. Clone him. Have his command and commitment with impeccable integrity be a standard for every employee at GuaranteedRate.

Tobi L.

Rob Novak was thorough, responsive and willing to explain the process as we moved forward, allowing me to have confidence. I have already shared your contact information with a friend who is interested in refinancing.

Sandra B.

Rob did a stellar job setting up our loan. We wound up shopping rates with three different providers; while two of them just gave us standard rate info, Rob walked us through all of the rate options, and explained the advantages/disadvantages to buying down our rate vs. taking a credit for a higher rate. In other words, while most providers brought answers A, B, and C to the table, Rob brought A, B, C, and D, as well as a clear explanation for each one. His communication was great, and his team...

Justin S. - 03/25/2016

I came to Rob in the middle of a rate lock with another broker that was not working out well. Rob was able to answer all my questions honestly and only asked for a chance to offer me a better deal than I was getting from my other broker. I ended up going with Rob because he was able to answer all my questions with facts and data, he got back to me promptly and he didn't try to blow smoke or sow doubt the way other brokers can do when asked hard questions. I think Rob is an excellent mortgage...

John H.—Seattle, WA

6. I've had the pleasure of speaking with Rob over the last week and have learned more about my mortgage now through the refinance process then I did during the initial process of obtaining the loan. He is very very knowledgeable and explains things in a very clear and concise manner. I think Rob's personable approach is one of his strongest points. He is a "loan geek" as he calls himself and has the answers to all my questions. He always calls back when he says he will and keeps you...

Susan P. – Seattle, WA

With not a lot of experience in mortgages, it was great to have a top professional such as Rob to work with. He is a tireless, energetic person who stands with you throughout the entire experience. He carefully ensures that you understand all that is involved in the process and then walks with you as you go through the process. No handing off to support staff, but a high, personal interest in getting you the best available rates at the least cost. I highly recommend Rob for mortgages for...

Arne B. – Federal Way, WA

I am so happy that Rob Novak was recommended to me by yet another amazing professional. Rob took time to go through my whole credit report to find areas of improvement so my family and I can be where we want to be. He's also very knowledgeable and answered all my questions. It's obvious he wants the best for the client which is hard to find. I'm going to recommend him to anyone looking for a home loan.

Jade B.- Alexandria, VA

We found Rob through a recommendation online when we were looking for a lender/mortgage broker that could do a HARP refi for a mortgage that had PMI, which we were told is possible but something that not many lenders did, including our servicer at the time. We spent months looking for someone who could get this done and after hearing "no" countless times, we found Rob who found a way. We are so happy that we found him- he worked tirelessly to find a way to make this work and got our refinance...

Jade B.- Alexandria, VA

I have used Rob Novak for 2 separate mortgages....both a purchase and a refinance. His customer service has been superb. He always stayed in communication with me and I have never had anyone work so hard to get me the best rate available as Rob did. The application process was amazingly streamlined and the prices were very fair. He and his team at Guaranteed Rate provided me with the best, most professional mortgage service I could ask for.

—Randy H.—Durango, CO

I was looking to refinance my mortgage and was referred to Rob through a mutual associate. Rob was very thorough in researching the best options that were available to me. He provided me with several loan options and made sure to ask the right questions so he could recommend what would be the best for me and my future needs. Rob's deliberate and professional nature has guaranteed he will earn my business when the time is right and my referrals to anyone that asks!

Edwin I. –Seattle, WA

I really appreciated Rob's expertise in assisting with a recent refinance. We were able to navigate a relatively new federal program with his guidance. He is responsive, has a great attitude, and gets the job done.

Kara Kalenius - October 8, 2012

Rob is an incredible Mortgage Broker. I have decided to change career paths but, because of his knowledge and professionalism, I plan to use him for all of my future Real Estate financing needs. As a result of my firsthand knowledge of his work ethics, I will be referring all of my previous clients to Rob. I know he will provide them the best service in the greater Seattle area.

Tom - February 14, 2008

Rob is a great Mtg Broker as he makes realistic recommendations for individual situations (he won't over qualify you and then leave you hanging). He will go the extra mile to make sure that the process is as smooth as possible which is a challenge with the current regulations and constant changes in the industry. In short he knows what he is doing and what needs to be done so he doesn't have to waste your time and/ or increase your stress.--

Jaudaun Eldridge - September 15, 2009

Hey, check out this amazing review from Shalini about Rob! “Rob Novak and his team went above and beyond to help us with the entire approval and closing process. We really appreciated their dedication and support throughout. Rob explained every step in detail as many times as needed to help us understand every nuance. He also effectively negotiated exceptions to ensure a smooth process for us. We would highly recommend Rob and his team!”

Shalini S. – Bellevue, WA – 6/2013

Rob is one of the few people I can truly rely on to provide unique information and support in the mortgage industry. His knowledge of programs, guidelines and lenders is an asset to his clients on many levels. You can rely on Rob to provide clients with the best products, knowledge and pricing. I would recommend Rob to anyone looking for a loan officer

Keane NG- September 29, 2009

Rob Novak is so wonderful to work with. He took the time to explain each part of the process and answered all of our questions, often times more than once. Rob was quick to respond to calls/emails/texts and made this overwhelming process feel much easier. Thank you Rob!

Wendy M - 7/15/16

Rob Novak is awesome!

Ander L. - 7/6/16

"Rob Novak is the BEE'S KNEES :D!!!" -Everybody

Jared P.

I had great experience working with Rob and his team. Rob is very responsive, and creative.

Amarech T. - 7/29/16

I worked with Rob Novak when I purchased my house 1 1/2 yrs ago. In order to get first right of refusal on the house I wanted, I said I would close the deal in 2 weeks! We did it. Then 1 month ago, with Rob and his team's help, we refinanced that same house for a 15 yr loan at 2.875%. The whole process took 2 1/2 weeks! I am very happy. Thank you Rob and your team.

Shane B.

Rob 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 13 years now, however I have been around "finance" all my life. At a young age, I learned from my father (then CFO of a company), how important finance is to not only to my life, but others as well. As I grew and learned more, I could see how applicable and evident this was on a daily basis and knew that someday, I would find my calling. That calling was the mortgage industry.
Who is your typical customer and what questions do they typically have?
My typical client is someone who is looking for a mortgage industry expert to help guide and show them how easy, quick, and informative the home purchasing or refinancing really can be. Far too often, many companies and individuals in our industry over complicate or do not have enough knowledge in the appropriate areas to ensure a great consumer experience. The most typical questions I hear or see are; What does the process look like? Is it really more difficult to close a loan now? What are the items or things that you think I should be aware of before looking to purchase or refinance? There are many more of course, including what is your mortgage rate, but this last one in my opinion is less important than making sure someone is in the correct loan product. Also remember that a mortgage rate is only as good as the company backing it.
What specific steps do you use to help your customers find the best home loan for them?
Asking a lot of questions. This may seem like common sense, but it still blows my mind that when a consumer has talked with another loan officer how many very important questions were never asked or discussed. Too often loan officers just want to get a loan in the door as quickly as they can, which doesn't take into account what is in the best interest of the client. I am a huge consumer advocate and loan geek and always do my best to ensure someone is better off having talked to me, than before.
How long have you been in the mortgage business? What awards have you won?
I have received numerous top sales, top branch, and other personal accolades and physical awards, but the best "awards" in my opinion are all of the positive online reviews through,, and thank you messages from consumers, real estate agents, and other people.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Recently a family I was helping to refinance did not qualify for the Jumbo loan they had hoped for and I made a few key suggestions and that if they followed them, within a few weeks they would. The listened and then were able to qualify of for the loan that was best for them in the short and long run, when another lender told them it could not be done.
What part of the home loan process do customers find most difficult and how do you help them through it?
Information. What I mean by this is the sheer amount that is available online and how many different opinions there are on the subject, can be way too much. Home lending is not rocket science and by putting together a concise and easy to understand 3 step loan process, greatly improves the experience for everyone I work with.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I love to be outdoors and when it is sunny in Seattle, there is almost no place on earth I would rather be. From camping, hiking, boating, outdoor movies and concerts during the summer, beer and wine tours in Woodinville, WA and over the mountains in Chelan, WA, all with friends and family.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a huge goof ball and enjoy joking around and not taking life to seriously. Life is not as much fun without laughter and enjoyment!

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