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John Grad

Senior Loan Officer
409 Canal St, Suite 2, Plantsville, CT 06479
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NMLS: 92042
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TestimonialsCustomer testimonials Read more

The Loan officer was patient, and always available to answer questions and explain the process. The team worked hard to make it possible for me to get the loan.

Vivette S.

Thank you all at Guaranteed Rate for helping me to get my new home.

Joan S.

Always available for any questions or concerns I had no matter what time of day. Approachable and professional.

Natalie C.

John Grad and his team were knowledgeable, professional, and responsive to all our questions. Most importantly they were proactive in keeping us informed every step of the way.

Bradley F.

The team at Guaranteed Rate went above and beyond outstanding customer service. If it was not for Ryan and John my closing would've been delayed.

Keisha M.

The mortgage team was incredibly responsive to my questions and inquiries.

Bryan F.

From start to finish this personal team of mortgage professionals made the process seamless. Always 2 steps ahead of everyone else involved in the most patient and professional manner. I wouldn't dream of ever using another lender.

Christine N.

Simplest loan process I've ever been a part of!

Joann W.

I felt like I was a person, not a number.

Brian B.

I had a great experience with Guaranteed Rate! I was a first time home buyer and very unsure of myself and overwhelmed with the process, but I the team I worked with made me feel more comfortable and at ease. First, I met with John Grad at the office in person, and he took the time to sit down with me, explain all of my options and answer my questions, listen to what I was looking for, and help advise me toward the option that would best suit my needs. He also helped me start my application and...

Heather M.

John, Kathy and Amy were terrific, minor speed bumps here and there but overall excellent experience. I would highly recommend Guaranteed Rate to anyone I know who is shopping for their new home. I couldn't be any happier with the service I received. Thank you all AGAIN!

Dwayne G.

Very friendly, reliable and professional.

Chaneil B.

John Grad was our loan officer. He was very patient in explaining all our loan options, always available to answer questions and guide the process along. Amy Connolly also ensured that the file moved forward and that all the necessary paperwork was turned around in a timely fashion. It was an excellent experience all the way through.

Valerie H.

Wow, great from the start to end. They worked with me until the process was finished.

Phillip H.

Actually, this is the second mortgage with Guaranteed Rate. Our loan experience from the first mortgage was so positive that I called the company a second time. This time, John Grad and his team were great - answering all our concerns and giving us a great rate!!

Judith L.

Working with John Grad was wonderful. We initially came in looking for one particular type of loan (203k). However, John was able to explain to us the pros and cons of that type of loan in comparison with others. In the end, we decided on a FHA, and couldn't be more happy with our choice. We also worked with Amy Conklin, and she was equally as wonderful. She was able to answer all of our questions and was easy to contact. Not to mention, our extremely low interest interest rate! I am certain we...

Brie M.

Had some hurtles with second loan getting subordinated. John Grad found a way to incorporate it into the new loan, get me a lower rate, and make it all work to my benefit. Very helpful and knowledgeable about available products and procedures.

Robert B.

John Grad was exceptional. He was extremely responsive, calm, and creative at solving problems. I am so lucky to have had him as my loan officer and would recommend him to anyone. He made for an easy experience all the way through.

Jeffrey A.

This loan process was easy and hassle free from beginning to end. Everyone that I worked with at Guaranteed Rate was very, very helpful. Everything was explained to me step by step and communication was always clear and immediate. I would highly recommend Guaranteed Rate without any reservations. Thank you!

Janice M.

John and his team were very great to work with! This is my second loan, first with guaranteed rate and this experience was much smoother than my first. Any issues or questions that arrived John and his team always had a speedy solution or answer. There's not much they could have done better to get me a loan. Thanks again!

Aaron E.

Gotta tell you that this was probably the smoothest closing I've had in years. Thanks John and Amy was absolutely terrific!

Ben A.

Amy Conklin and John Grad made this very painful process a breeze! The patience and professionalism that was shown blew us away. I will use Guaranteed Rate again for any future mortgage needs and will most certainly recommend them to anyone who is undergoing the home buying process. They were a pleasure to work with!

Samra S.

John and his team are excellent in dealing with problems with customers. They promptly answered to all questions concerned by us. I don't have any confusing issues while in the processing to obtain a loan with them. Very smoothing processing even we had a lot of issues to be resolved. John's team is excellent since the start till the end at lawyer's office. Every single officer knows exactly what they are doing. Thanks.

Tung P.

John did a great job helping me through the process from start to finish. Whenever I had a question, he answered them quickly and clearly. I would recommend him and guaranteed rate to anyone.

Mark M.

Great experience, made getting a loan, the least stressful step of purchasing a new home, especially for a first time home buyer

Bartosz D.

We were looking for a jumbo 80/10/10 loan option. John Grad and team answered all my questions quickly and accurately. We got a better rate than I expected and extra documentation requests from underwriting were addressed quickly even during holiday work weeks allowing us to stay on our closing timeline. Very satisfied.

Craig A.

I was recently in the market to purchased a house and was recomended by my real estate agent to give John Grad and his team Katherine Barone, Amy Conklin, and Karen Son at Guaranteed Rate a call. They were all very helpful throughout the process of buying the house. They answered all of my questions in a timely manner and we're very professional. Highly recomended!

Eric B.

The staff was great, very helpful and very positive. John Grad is a good loan officer and appears to have a great team. Even the lawyer was a cut above most I have worked with for real estate closings.

Kevin F.

These guys are fantastic. I worked with the team of John, Jake, Amy and Katherine and they exceeded my expectations. They provided great communication and feedback and I cannot say enough good things about this experience.

Stefanie G.

Very simple process--love that I can upload documents online. GR was very responsive on all my questions. GR was very easy to work with and process was very smooth.

Kimberly V.

John was always available whenever my husband and I needed him.

Asha M.

The process went smooth, and I was kept informed throughout the process.

Patrice A.

John was very professional. Quickly responding to issues and alerting me to follow-up.

Anthony A.– Buffalo Grove, IL | JAN 2015

John Grad and Jake Earl made this painless when there were many hurdles to clear due to third parties. They are absolute professionals and were always there when needed. John Grad made what I would consider a difficult process (due to third party mistakes and miscues) a smooth process. Several times John contacted me or the reverse to work through steps the third parties were not clear on and was always a phone call away. John is a n absolute professional and amazing at his job, this would...

Leland L.

John Grad and Jake Earl made this painless when there were many hurdles to clear due to third parties. They are absolute professionals and were always there when needed. John Grad made what I would consider a difficult process (due to third party mistakes and miscues) a smooth process. Several times John contacted me or the reverse to work through steps the third parties were not clear on and was always a phone call away. John is a n absolute professional and amazing at his job, this would...

Leland L.

John Grad could not have made our experience any better. I would recommend guaranteed rate to everyone. I would have them ask for John. Thanks again for all your help and support. John Grad was great!

Dennis G.

John Grad and Jake Earl made this painless when there were many hurdles to clear due to third parties. They are absolute professionals and were always there when needed. John Grad made what I would consider a difficult process (due to third party mistakes and miscues) a smooth process. Several times John contacted me or the reverse to work through steps the third parties were not clear on and was always a phone call away. John is a n absolute professional and amazing at his job, this would...

Leland L.

John Grad was awesome from start to finish. He's very knowledgeable and works hard to get you exactly what you need while making the home buying process go as smoothly as possible. The people that helped me at guaranteed rate were very knowledgeable and worked hard on my behalf.

Natasha C.

John was great and helpful throughout the process. The length to do the refinance and the ability to get things done in a timely manner were impressive. John helped every time there was a problem.

Lora R.

John Grad was awesome from start to finish. He's very knowledgeable and works hard to get you exactly what you need while making the home buying process go as smoothly as possible.

Natasha C. – Middletown, CT | Apr. 2015

About John

I started in the Mortgage Business in 2001 as a loan officer. I also founded and built a mortgage company that I ran for 8 years. I love helping people acheive the American Dream of homeownership and save money on their mortgage.

I have acheived numerous sales awards in my career including employee to the month, biggest volume gainer, Top Producer, Chairman's circle and President's Club.

I attended college at the University of CT with major in Social Work and Minor in Business. My studies have prepared me for the real world in working with people, developing relationships and having a strong foundation in finance.

I am married with 2 children. I reside in Burlington CT and love to travel, ski, hike and spend time with my family.

John interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
15 years. I enjoy working with people and teaching them how to build wealth and save money.
Who is your typical customer and what questions do they typically have?
My typical customer is just about anyone. I deal with first time buyers, investors, high end luxury homes, reverse mortgage clients, move up and move down clients.
What specific steps do you use to help your customers find the best home loan for them?
I analyze their situation, educate them about the process and market trends, make recommendations, and shop the market place for the best execution.
What advice would you give new or first time home buyers?
Expect to need 2 years of steady employment before qualifying. Also expect that your max mortgage will be no more than 3 times your annual gross salary (i.e., you make $30,000 per year, you qualify for up to $90,000 mortgage). Last, you need good credit - no delinquencies in the last two years, no bankruptcies, etc.
What can borrowers do to insure a smooth mortgage underwriting process?
In order for buyers to ensure a smooth mortgage process they should provide all the supporting documents they need upfront. This include income, asset statements, letters of explanation, sales contracts, mortgage statements etc.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people get their dream home and save money.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I am available 7 days a week. But when not working I enjoy traveling, skiing, biking, hiking and spending time with my family.

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