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Frank Rexford

Vice President of Mortgage Lending
1450 Raleigh Rd, Ste 208, Chapel Hill, NC 27517
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NMLS: 119234
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Frank and his team were outstanding in all ways. Best loan experience I have ever had in over 10 experiences in buying homes.

Kevin H. – Greenville, DE | SEP 2015

I had the best experience with my loan officer, Frank Rexford and his team. I went to them and was very much needing a loan to make a dream come true for our family. He was not only helpful, kind, but so astute in answering my questions and really made me feel like he was looking out for our best interests. Frank Rexford is someone my children and I will never forget. I have never had such a great experience obtaining a loan.

Carol H. – Springfield, MO | AUG 2015

Frank Rexford and his staff went beyond what expected level of service to support me throughout this process. When computer services in his neighborhood went down, he continued working on my loan details from home; at another point he helped me with a loan modification after hours in order to get it done before his scheduled vacation. Heather and Amelia helped me with scanning and uploading documents, something I hadn't done before.

Margaret M. – Albuquerque, NM | AUG 2015

Frank went above and beyond throughout the whole process to make sure we were happy and that everything was taken care of.

Anna C. – Durham, NC | July 2015

Frank is very professional and gave me great service and personal attention to process two mortgages for me simultaneously.

Sean O.– Chapel Hill, NC | May. 2015

Frank Rexford and his team at Guaranteed Rate were awesome and attended to all the details to make the deal happen very quickly and efficiently. I am very impressed!

Christine C. – Durham, NC | May. 2015

Frank and his team made this whole process go so smoothly

Lois K. – Durham, NC | Apr. 2015

Frank is awesome! Very organized, excellent staff and good communication, with all details well explained.

Elizabith A. -- Chapel Hill, NC. 9/23/2014

We really appreciate Frank.He is great as always!

Cherie N. -- Chapel Hill, NC. 9/10/2014

Frank Rexford - 3 thumbs up!!!

Cathy G. -- Durham, NC. 10/6/2014

Frank is very personable and such a professional! Everything worked out beautifully!

Nancy F. -- Pittboro, NC 4/22/2014

“I worked with Frank Rexford and his team to obtain a loan. We were difficult customers asking them to complete the process in three weeks. They were extremely detail-oriented and helped us manage all of the documentation needed for approval. We got it done with plenty of time and we would highly recommend Guaranteed Rate to all of our friends and family!”

Gray H. – Chapel Hill, NC – 9/2013

Hey check out the amazing review from Marguerirte about Frank! “Frank was extremely courteous and responsive. Most importantly, things played out financially/numerically the way Frank said it would in an unbeatable time frame. Thanks again Frank!”

Marguerirte S. -- Raleigh, NC -- 01/2013

Hey check out the amazing review from Mia about Frank services! “Frank Rexford in Durham, NC was very professional and helped me through the whole process. As a new homeowner, I cannot say enough about how much he helped! Frank also came to closing, which is an unusual occurrence! I felt Frank cares about his clients and strives to go above and beyond providing good customer service!”

Mia I. -- Carrboro, NC -- 01/2013

The ReFi went very well and we are very pleased with the experience. Frank Rexford is an excellent Broker and has always provided us with the best counsel and support. We have used him for the financing of 3 houses and 1 rental property in the past.

David B. - Chapel Hill, NC 9/2011

About Frank

Whether you are purchasing a new home, refinancing your mortgage, or simply considering a home improvement project, I have the experience to help you find a loan that is right for you. And I will take the time to provide clear explanations along the way, so that you will be confident as you make choices about the many financing options available.

My business is referral-based, with nearly 100% of my business coming from satisfied clients, trusted financial advisors and some of the most experienced realtors in the Triangle. I hope to earn your business by not only offering competitive rates and fees, but also by providing exceptional client service. Purchasing or refinancing a home can be stressful, and so my team and I will work hard to carefully guide you to a smooth closing. You can view client testimonials on the top right hand side of this screen!

I am licensed to work with clients throughout North Carolina and offer Conventional, Jumbo, FHA, VA and USDA loans. We work with dozens of lenders and investors in order to have access to a tremendous variety of programs. And I remain available to my clients long after their loan has closed, whether to answer their mortgage questions, or to help them decide if a refinance would be beneficial.

Frank interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I spent 17 years in the fine wine industry, travelling much of the US and the world, and selling over 2 million cases in the process. But I tired of the extensive travel and realized I wanted a career that was more closely connected to my local community. I considered selling real estate but was attracted to lending because I love helping people and working with numbers, and I enjoy clearly explaining information. I’m honored to be able to play an important role in helping my clients with one of the most important purchases they will make in their lifetimes, and remain a trusted advisor even after their loan has closed.
Who is your typical customer and what questions do they typically have?
Although I work with clients all over North Carolina, my typically client is relocating to the Triangle Area, often moving to the area to join one of the local universities. My business plan is to remain available to my clients long after their loan has closed, answering questions, and helping them decide if a refinance would be beneficial to them.
Tell us about a mortgage product that consumers may not be aware of?
Because fixed rates are so low, most people automatically gravitate to a fixed rate loan, and that is certainly safe, but adjustable rate loans are an excellent, less expensive option if you have a good sense of your future. Loans with mortgage insurance are also an excellent option for people with less than 20% down - and some borrowers can qualify for as little as 3% down. FHA loans are the right choice for many first time home buyers. But one of the best loans available is the 100% financing VA loan - so I like to find out right away if my client is a veteran and can take advantage of this amazing benefit.
What are the top 3 misconceptions people have about the home loan process?
The media has been fond of reporting that it is hard to get a mortgage, and so people assume that it is going to be difficult for them to qualify. Yet I find that the vast majority of people who contact me do qualify for a great loan. What is certainly true is that more documentation is required in today’s lending environment. The extra work of providing the required documentation can seem onerous for those who remember Stated Income and Stated Asset loans. But our entire financial system is safer with today’s well documented loans, so we are all better off as a result. The best approach is to call me to get preapproved early so there are no surprises!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I was never an athlete growing up, but in 2009 I decided to get serious about my health and fitness, and since then have become an avid runner and triathlete and lost 45 pounds as a result. When I am not at my desk or in a closing, I can often be found swimming, biking and running around Chapel Hill, or competing in a race somewhere fun. I race 10 to 20 times per year, and just completed my 100th endurance race since 2009, including 6 half marathons, 6 half ironman triathlons, the Kiawah Marathon in 2012, and Ironman Mont Tremblant in 2013. I’m always looking for the next challenge!
Tell us something that makes you unique or something wacky, yet interesting about you?
I keep a Rubik\'s Cube in my office to remind me that every loan can be viewed as a puzzle, and that helps me keep a fun perspective on my job. Along with being a mortgage lender, I am an avid triathlete and my health and fitness goals include doing triathlons throughout the rest of my life. And I still enjoy cooking great meals and exploring new wines, even though I no longer sell wine for a living!

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