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Beth Divney

Senior Vice President of Mortgage Lending
750 Lexington Ave, 4th Floor, New York, NY 10022
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NMLS: 36038
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I have used Guaranteed Rate for my refinance in 2015 and to purchase an investment property in 2016. In addition, I am a real estate agent and have referred Beth Divney to many of my clients. Very satisfied. Thank you!

Joanna B. -New York, NY | AUG 2016

Ms. Divney spent a lot of time explaining the process and the rates. She got the pre-approval and approval done very quickly and efficiently. Whenever a problem came up she solved it immediately. I would use Ms. Divney, should I buy again.

Susan D. -- Bronx, NY 7/3/2015

Beth Divney was our loan officer and she was an absolute pro and such an asset to us throughout this process. Both Mario and I were so grateful for her guidance and thoroughness throughout. Without hesitation we will recommend Guaranteed Rate to our friends and colleagues. We will also refer those folks specifically to Beth for her superior service.

Robert F. -- New York, NY 4/17/2015

I worked with Beth Divney on my loan and she was just absolutely amazing. I felt that I could trust that she was giving me the best rate. I've been going to her for years and have obtained at three loans and refinances with her. I'll definitely be calling her again for my next loan. She really is the best.

Eugene C. -- Long Island, NY 12/25/2014

Beth Divney was wonderful to work with! She was dedicated, patient and very encouraging! I truly had a great experience working with Beth!

Alexandra E. -- Brooklyn, NY 7/14/2014

Beth Divney was fantastic. She was very patient and answered all of my questions thoroughly and she was genuinely concerned with getting us a great rate.

Kate S. -- Brooklyn, NY 1/20/2014

"Beth and the team were good during the loan process and great with answering quickly. Everyone I worked with was really nice and friendly. Thanks everyone for your insights and experience!"

Thorsten R. -- Riverside, CA. -- 4/2013

"I love Beth Divney of the Manhattan Mortgage branch of Guaranteed Rate. She is always fabulous to work with!"

Robin D -- New York, NY. -- 2/2013

"Fabulous! I can't say enough good about Beth Divney. We have dealt with her in the past and we have recommended her to friends as well. Everything was very fast and organized...kudos to the whole team! I have recommended Beth Divney to many people."

Susan H. -- New York.NY. --- 1/2013

“Beth Diviney is phenomenal!! I have used mortgage brokers in the past and work with them in my business as a real estate salesperson and found Beth to be exceptionally informative, professional – and she gets the job done. I will always refer her to my clients in the future (one of my past clients told me to work with her and I am so happy I did!) Everyone who helped with my refi was incredible and very professional...James Wrzala in Chicago was fantastic too!”

Alison B. -- New York, NY. -- 2/2013

About Beth

I have been in the mortgage business since 1986 and spent all of my career with The Manhattan Mortgage Company, which merged with Guaranteed Rate, Inc.

I majored in sociology at Rider University and was a social worker right after college. The mortgage business appealed to me due to the "people" part of the business....I liked the communication with clients.

Beth 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 almost 30 years and was drawn to the business due to all the client contact. I still have many clients from years ago and love that part of the business.
Who is your typical customer and what questions do they typically have?
My clientele is very diverse....from first time home buyers to clients with many homes.
What specific steps do you use to help your customers find the best home loan for them?
I always try to figure out what loan is best for long they expect to stay in the property, what their plans are in the next 5 to 10 years, etc.
How long have you been in the mortgage business? What awards have you won?
I have been on the Top 200 Mortgage Originators for many years.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The biggest pro of today's fixed rate mortgage is that fixed rates are currently so low that the adjustable rate mortgage is not much lower. It really depends upon the loan amount. My borrowers with jumbo mortgages are inclined to choose an adjustable because they use the mortgage more as a financial tool - not because they necessarily need the loan to purchase.
Tell us about a mortgage product that consumers may not be aware of?
I love the 10 year adjustable with a 30 year has a lower rate than a 30 year fixed and guarantees a fixed rate for the first 10 years.....especially good for those homeowners who know they will not be living in their home after the next ten years.
What can borrowers do to insure a smooth mortgage underwriting process?
Borrowers can make sure that they provide all the documentation that is required.
What provides you with the most satisfaction in your job as a Loan Officer?
The most satisfaction I get is from making the client happy and that they remember the experience in a positive way.
Tell us something that makes you unique or something wacky, yet interesting about you?
I care very much about my borrowers. Ensuring that they are well taken care of during this process gives me a lot of pleasure.

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