Harvey Collier

Vice President of Mortgage Lending
621 NW 53rd St, Suite 410, Boca Raton, FL 33487
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NMLS: 279770
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It was an absolute joy to work with Harvey Collier, a mortgage lender at Guaranteed Rate when I recently was seeking a mortgage to purchase a new home. Harvey efficiently addressed all my questions, and verified my financial and insurance data to help expedite my mortgage application and approval at the lowest interest rate possible. His professional work on my behalf was thorough and completed in record time. I would highly recommend Harvey's services to anyone seeking a mortgage to...

Hobbit F.

Harvey Collier and his team handled my loan with great satisfaction; very timely and accurate - absolutely no concern or issues on my part. I had worked with Harvey on another loan back in 2009 and am very satisfied with his service. Harvey Collier and timely and effective/accurate loan origination.

Casey W. – Valrico, FL | Dec. 2014

Harvey Collier and his team handled my loan with great satisfaction; very timely and accurate - absolutely no concern or issues on my part. I had worked with Harvey on another loan back in 2009 and am very satisfied with his service. All information was requested up front and handled timely and accurately.

Casey W. - Bonita Springs, FL | Dec. 2014

Harvey Collier and his team were outstanding, very helpful and knowledgeable, will recommend them every chance I get.

Andres G. -- Boynton Beach, FL. 10/20/2014

Harvey came to the closing and was a an asset to have during some last minute issues that popped up. There were a lot of twists and turns and Harvey with his team was always there to help make things easy.

Benjamin F. -- Palm Beach Gardens, FL. 10/6/2014

Harvey and team were right on top of everything. Thanks for making this such a great experience. This was one of the best experiences I have had with obtaining a loan. Everything was very organized from start to finish.

Mindy C. -- Wayne, NJ. 10/1/2014

“Harvey Collier was incredibly thorough, professional, and always made himself available for all of our questions and concerns. He did this in a very personable manner which ultimately gave us complete confidence in him and Guaranteed Rate.”

William G. – Dania Beach, FL – 8/2014

“The entire experience with Harvey and Guaranteed Rate was excellent! I have worked with Harvey a few times before and I love working with him! I recommend him to all of my friends!”

Sanaa V. – Fort Lauderdale, FL – 7/2014

“I consider home purchase as one of the milestones in life. I didn't expect it to be smooth, and Guaranteed Rate was just the best company I could have found to assist. Nothing is insurmountable for Harvey and his team, and only a very small percentage of the stress and worry actually spill over to the buyer. Very transparent, able to answer all of my questions, and they are as determined as the buyer to get the home that the buyer can afford. Even my real estate agent was impressed!”

Nympha S. – Fort Lauderdale, FL – 4/2014

"Thanks Harvey and I picked you because I like painless closings! Really you are super to work with and make it happen for my clients..thank you thank you!"

Tammy A.

Hey check out the incredible review from Ralph about Harvey! “Harvey was fantastic! Helped me through every step of the process! I will absolutely use Guaranteed Rate again and refer to others because of the service Harvey delivered!” Ralph T. -- Davie, FL -- 04/2013


Hey check out the great review from Steven about Harvey! “This was my second mortgage with Guaranteed Rate, as always very easy, professional and a great rate! GR is best in the business and I highly recommend!! Thanks again Harvey!” https://www.facebook.com/guaranteedRate1 Steven R.-- Fort Lauderdale,FL -- 02/2013


Hey check out the glowing review from Lynda about Harvey! “We were on a deadline nevertheless Harvey and CJ worked so well with us that we actually closed a week early!! Everything went smoothly, the professionalism and kindness of the team was so impressive. We cannot thank them enough! Thanks again Harvey!” Lynda R. -- Boynton Beach,FL -- 02/2013


Hey check out the amazing review from Kari about Harvey! “Harvey Collier has been outstanding in getting the approval process and closing done! It was so simple and the closing team was very responsive and inclusive. Since everyone was copied on emails, the entire team consistently remained in the loop for various questions. Harvey thank you again for the hard work!” Kari P. -- Manassas, VA -- 02/2013


About Harvey

23 Years of experience in originating and closing mortgages in Florida

Over $250 Million in loans funded

Featured Mortgage Expert on Bloomberg News

Featured Mortgage Expert in Broward Business Review

Direct Lender featuring in-house processing, underwriting and closing

Strong analytical and communication skills


Harvey interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
The past 24 years in the mortgage business has taught me that there\'s no \"One Size Fits All\" solution for the best home loan. While some First Time Home Buyer may be most concerned about monthly payment, others may be more focused on down payment or closing costs. Buyers of an investment property may be more interested in rental cash flow and future appreciation, while vacation home buyers may want shorter term home loans to have property paid off sooner. My strengths are embedded in my ability to help clients determine all their options using my strong analytical skills, listening ability and patience to make sure they fully understand all the financial implications they face in purchasing or refinancing a home. Knowing and understanding all your options and challenges is key to selecting the best home loan for your individual situation.
What advice would you give new or first time home buyers?
The best advice I could provide a first time homebuyer is to pre-plan for your mortgage in advance of purchasing a home. There are so many issues that many first time home buyers don\'t understand, including how credit scores impact their interest rate, expense deductions on tax returns effect income calculations, the consequences of moving money around, how much money they\'ll need for closing costs, how to overcome having enough money for down payment and closing costs by utilizing seller or lender contributions, etc. Many times with proper planning, these issues can be resolved in advance and make the mortgage process much easier for the buyer, as well as help them get a better deal.
What part of the home loan process do customers find most difficult and how do you help them through it?
Getting a mortgage these days is much different and more complicated than in the past. Borrowers need to keep good records and have all their paperwork in order. What customers find most difficult is not understanding today\'s loan process, especially what will happen next and in what time frame. The key to alleviating customer anxiety is Great Communication. It\'s important that clients always understand what comes next and when to anticipate that milestone. Very little goes smoothly in the mortgage process these days, so being a proactive communicator, having patience and empathy for the client and encouraging questions is the best way to manage the process and client expectations.
What provides you with the most satisfaction in your job as a Loan Officer?
Though I receive a lot of satisfaction in being able to help people, the most rewarding part of my job as a mortgage professional is the role of an Educator. I truly enjoy teaching people how a mortgage can not only be used to purchase a home, but more importantly, how it can be used as a financial tool to build wealth and family security over time. Many home owners just look at a mortgage as their largest monthly payment and don\'t understand the implications it has on the rest of their financial well-being. Turning the light bulb on and really making a difference in peoples\' lives is the most satisfying part of my job.
Tell us something that makes you unique or something wacky, yet interesting about you?
Aside from being a 24 year mortgage professional, I\'m a 30 year husband and father of 2 young adult children. I enjoy mentoring my daughter and son in their professional careers while enjoying their accomplishments. I love wine events, sailing, golf and sports. Hailing from Boston, I\'m a proud Patriots, Red Sox and Celtics fan, but enjoy rooting for the Dolphins, Marlins and Heat. Next to sharing time with my family, my greatest pleasure is the opportunity to make a difference in someone else\'s life.

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