GuaranteedRate - Mortgage Company
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Jeff Buffington

VP of Mortgage Lending
27710 Jefferson Ave, Suite 200, Temecula, CA 92590
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NMLS: 322412
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TestimonialsCustomer testimonials Read more

We are first-time home buyers, and we were dreading the loan process. However, Guaranteed Rate made the home loan process easy and non stressful. Our lender, Jeff Buffington, was very easy to get ahold of, and we were able to get immediate responses either through email, phone call, or text. Also, when comparing with other banks, Guaranteed Rate gave us the best interest rate!!! We are very pleased with their services.

Lorrie M. | December 2017

I would like to thank you for your excellent support. Your loan specialist Jeff Buffington took care of all my queries in a jiffy. He also provided timely and helpful advice regarding the clean-up of my credit which was extremely helpful. He was attentive and listened to all my concerns and was a true professional. Please accept my gratitude towards your customer care team for their speedy and efficient services and I would especially like to commend Jeff for his professionalism and superlative...

Thomas A. | December 2017

I appreciate Jeff's assistance in obtaining a re-finance on my Mother's property and being able to add my wife and me on the loan. His knowledge and experience in the mortgage industry proved very valuable in making the decision to do a refinance instead of a purchase while taking my mother off the loan, as this would have had significant tax implications for my mother. Jeff was also helpful in clearing-up some credit issues and lowering my interest rate even further. I am very grateful that we...

Stephen T. | November 2017

Jeff Buffington and his team at Guaranteed Rate were a pleasure to work with and even managed to close my loan 10 days early. I would certainly work with them again.

Brandon B. | 10/17/2017

Jeff was very professional and very thorough. Got are loan approved without any issues. I would definitely recommend Jeff to any family or friend I know for a loan.

Steve S. | October 2017

Jeff and his team were amazing and extremely efficient. They answered all of my questions in a timely fashion and got my loan completed quickly!

Laresha S. | March 2017

Jeff Buffington (Temecula, CA) couldn't have made the process any easier!! I switched lenders with less than 15 days left prior to closing and Jeff and his team got the loan done on time!! I will be using Jeff again in the future!!

Jeffrey B. | May 2017

Jeff Buffington was a great person to work with. He was very patient and took his time to explain things well. I. Like always reach him if I had any question. That was the most important aspect of the process was to get great communication and Jeff provided that!! It is because of Jeff that I will be a guaranteed rate customer and advocate to all my friends and family. Thank you for having great folks like Jeff Buffington at Guaranteed Rate.

Mark H. | May 2016

We weren't sure we could buy, Jeff followed up w/ us for 8 months, before we were ready. Jeff was very fast at returning questions & concerns that we had. He was a pleasure to work with & an all around great guy! Highly recommend!!!

Jeffrey S. | July 2017

Jeff was very quick to respond, and closed my loan early.

Christopher R. | July 2017

I cant say enough about my loan officer and his team ( Professional's every one ) I'm buying another house in March and I won't you anyone but Jeff Buffington.

Charles B. | August 2017

Jeff was great. He was quick to answer all our questions and very helpful during the process. We are both self-employed and thought it might be a bit more difficult to close, but was very happy that closing was right on time. We will recommend Guaranteed Rate to all our friends and family.

Brent M. | September 2017

My loan officer Jeff came highly recommended from my family and he did not disappoint. He is easy to reach, very helpful and knowledgeable and was very quick on getting me pre approved.

Samantha L. | September 2017

My situation was complicated and time sensitive. Jeff Buffington executed all the steps professionally and ahead of our deadlines. I have no doubt that we received the best service and loan package available anywhere

Ken & Kathi E. | September 2017

About Jeff

Helping people’s dreams of home ownership come true is my primary motivation. For most people, purchasing a home is the single largest financial decision of their life. I enjoy being a part of something that affects people’s lives so positively and profoundly.

I want my clients to be comfortable with their particular loan product, so I attempt to lay out all their options. By being honest, open, and transparent throughout the loan process, I’m able to make them feel comfortable every step of the way. When called upon to achieve the impossible and save deals that other lenders could not close, I have consistently come through.

That’s why my clients send referral business my way: because they’ve had a superior customer service experience. I strive to continuously build new relationships while staying connected to my prior clients and referral partners, who I have worked with throughout my career.

Quite simply, my goal is to continue to offer the best customer service with the lowest rates and lowest costs possible to my clients. I’m here to help you with one of Life’s Biggest Transactions

Jeff interview Q&A

Tell us about a mortgage product that consumers may not be aware of?
There are a couple various products that many consumers are not aware of. For starters, while it’s awesome to be able to have a down payment of 20%, many buyers (particularly first-time home buyers) do not have the liquid assets to do so. There many programs geared toward certain demographics (e.g. first-time homebuyers, household income below a certain threshold, or individuals buying within a targeted area) that make a client’s purchase more manageable. Additionally, many veterans and their families aren’t aware they might be eligible for a VA mortgage, with affordable interest rates and a down payment as little as 0%.
How has the mortgage industry changed since you started, and what would you expect in the future?
When I started in the mortgage business it was sort of the Wild West. There were a lot of people working as loan officers that didn’t have experience and probably shouldn’t have been in the business. With the regulations and guidelines currently in place, the customer is much more served, and the overall mortgage experience is much more professional.
What part of the home loan process do customers find most difficult and how do you help them through it?
I think customers find the quantity of documentation that they have to gather and navigate somewhat cumbersome. We mitigate that by asking them to put us in touch with accountants, who often times have all of their required documents and as long as we have the customer’s permission, they will work with us to provide everything we need.
What are the top 3 misconceptions people have about the home loan process?
The top 3 misconceptions that clients have about the home process are: 1. They need to have excellent credit. In fact, many borrowers have less than stellar credit. My job, as a mortgage originator, is to find a loan program that works for you or let you know what steps are necessary to make your home purchase a reality in the future. 2. They need to have at least 20% down for most loan programs. Quite the contrary, many of our borrowers either are unable or prefer not to put 20% or more down towards the purchase of a home. 3. They need to have sizable income to afford a home of their own. Many of our borrowers are hard-working individuals with modest incomes. If you’re able to rent a home and comfortably afford it each month, then you likely could afford to purchase a similar property and have it be your own.
What can borrowers do to insure a smooth mortgage underwriting process?
Be active in the process. Supply the items requested, not what they think we need.
What provides you with the most satisfaction in your job as a Loan Officer?
I am so satisfied when I’m able to sit down at the closing table with my borrowers, see the smiles on their faces, and hear their kind words, knowing that I and my team delivered an unforgettable experience.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a twin brother who is also a loan officer.

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