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Joe Roumelis

Area Manager - RI & Southeast MA
475 Kilvert St, Ste 110, Warwick, RI 02886
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NMLS: 21781
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TestimonialsCustomer testimonials Read more

Joe Roumelis was spectacular. Very calm, intelligent and knows his products. Kept me in the loop at every step. Got me a great competitive rate. Beat my bank where I had been doing business for 30 years. I would recommend Joe without reservation.

Jerry R. || 1/17/2017

Guaranteed Rate took a lot of the stress off my shoulders throughout the loan process. We loved how easy the digital mortgage was, and how convenient it was to quickly get everything we needed to our loan team. Joe Roumelis was also fantastic and very reassuring. Always had a quick thorough response and good attitude throughout.

Kaitlynn C. 4/14/16

Guaranteed Rate made my home buying purchase extremely easy! The entire process went smoothly thanks to the help of Joe, Tene, and their team. Thank you!

Ashley P. -Smithfield, RI | MAR 2016

I contacted Guaranteed Rate through a website called When I first spoke to my loan officer I laid out a challenging agenda for a large loan and a very short time period. Other lenders had told me that I would be able to get a loan but not in the time period or with the specifications I wanted. Guaranteed Rate heard my requirements, said they were challenging but would make every effort to meet my time frame. My loan officer and others involved reacted quickly to all of my...

Richard F. - Clifton Park, NY | Jan. 2016

I just want to thank Joe and the entire team. This was my first home purchase and they all made it easy for me. They were always there to answer any questions I had at any time. I will absolutely recommend them to anyone I know that is looking to purchase a home.

Gary H. - North Providence, RI | Jan. 2016

Joe Roumelis is absolutely outstanding. I had some various challenges in the process of buying a home and he was with me through every step and made everything as easy as possible. I can't express my appreciation for all of his help and patience with me!

Brittany R

Every single step of my refinance was done perfectly. Even when an issue presented itself, I was told immediately and was guided to a resolution. Job well done Joe! Well done and thank you!!!

Andrew C. – Smithfield, RI | Mar. 2015

You guys use the latest technology such as e-signature, and always kept in touch, fast responses, great people to work with, and very friendly.

Remmy V. -- 11/17/2014

I can tell you without hesitation that the service guaranteedRate and Joe Roumelis provided me was the best customer service experience I have ever had for any purchase with any company. Ever. Prior to making a decision, Joe spent multiple hours teaching, educating, and guiding me towards the right decision. I was a very "high maintenance" customer who wanted immediate explanations, answers, and results regardless of time or day. Despite all this, Joe was always there with a positive attitude...

Client - 2014

Great communication from RI branch: when our assigned loan officer left, branch manager Joe Roumelis stepped in and things proceeded without a hitch, He was thorough and communicative, excellent service.

Sharon B

Hey check out the glowing review from Sherri about Joe! “Joe Roumelis is an awesome person! He helped us through trying to purchase three different homes and his level professionalism and service remained at the highest level. Joe kept us informed during each step of the process letting us know exactly what was occurring. Now that we have finally closed on our home, we feel like we are losing a friend. Again, Joe provided the best service I have ever encountered and this was my fifth...

Sherri J. -- Stockbridge, GA -- 03/2013

In all transactions Joseph was organized, thorough, and personable. Despite the fact that my credit was not at its best, he gave me the most competitive pricing available. I was very pleased when he contacted me a few years ago when the mortgages were hitting an all-time low was able to reduce my 30 year mortgage to a 15 year at basically the same pricing! I find Joseph knowledgeable about aspects of financing that really helped with my previous situation. He was always expedient in...

Jennifer K - March 2013

Joe is awesome. He always answers his phone and responds to emails ASAP. His staff is also great, all of them really care about you. They act like you are the only person they have to take care of.

Diane L - Feb 2013

Everything went great...Joe Roumelis and his office were fantastic.

Jim T. - Convertry, RI 12/2011

We used Joe to refinance our house. He was great to deal with, VERY knowledgeable and honest. He answered all our questions even if he thought it may have been something we didn't want to hear. He gave us the best advice for our situation not for his. I would highly recommend him for anyone who is looking to refinance. Top qualities: Great Results, Personable, Expert

Kristy Hogan - October 13, 2010

Joe Roumelis is a true professional. His knowledge of the mortgage industry is outstanding. He is there to help you find the mortgage that fits your needs and your budget. Whether this is your first home or your fifteenth home, Joe will take great care of you and your family. In today's market, it is nice to see there are professionals out there who are willing to go the extra mile.

Steven Phillips - March 7, 2011

Joe Roumelis arranged a refinancing of our house. He was always available through that very complex process and plainly he knows what he is doing. He was also able to keep me on track when I got impatient with the paperwork. The refinance was completed in the time frame he promised. Top qualities: Great Results, Personable, On Time

Phillip Bentley - March 17, 2011

Joe helped me get the best rate on my refinance. He knew everything about the process and offered flexible options so I could maximize my savings... And I did. Thanks Joe, I will be calling you for any future financing needs. Top qualities: Great Results, Personable, Expert

Paul Sekerka - April 25, 2011

Joe is awesome to work with. He is competent in the mortgage industry and as such, I would recommend Joe to potential homeowners and existing homeowners for their financing needs.

Abigail Falcon-Rosa - May 2, 2011

As a self-employed small business owner, my mortgage situation was a bit more complex and nerve-wracking than the usual. Thanks to Joe's communication skills and professional know-how, the mortgage process was a breeze. Wonderful to work with, knows his stuff and always delivers on his promises. Top qualities: Great Results, Personable, Expert

Dan Harkins - May 4, 2011

About Joe

Thank you for the opportunity to provide you with a mortgage for your home purchase.

My philosophy on mortgage origination is simple: active listening and consistent communication results in a great customer experience. Although it sounds simplistic, listening is the most important part of my job in this advisory role. Therefore, the initial steps in every mortgage consultation with me involve several key exploratory questions that give the homeowner(s) a platform to express exactly what they wish the outcome of their transaction to be, and how these decisions affect their futures. After this discovery and submission process, my Processing Team and I will communicate your loan’s progression to set proper, realistic expectations. In the end, I can promise you will feel confident you've received a thorough, professional mortgage consultation.

Joe interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Placing my clients into the best home loan involves two very specific skills; listening and communication. Although it sounds simplistic, listening is the most important part of the job when in an advisory role. Therefore, the initial steps in any mortgage consultation with me involves several expletory questions that give the homeowner(s) a platform to express exactly what they wish the outcome of this transaction to be, and how it would affect their lives. After the facts are in, it is equally important to clearly communicate loan details and the mortgage underwriting process to set proper expectations. Whether or not this process results in a successful loan placement, that homeowner(s) can feel confident they\'ve had a thorough, professional mortgage consultation.
Tell us about a mortgage product that consumers may not be aware of?
Those looking to purchase a home with no down payment required may find a perfect opportunity through financing guaranteed by the USDA (United States Dept. of Agriculture). This increasingly popular program is intended for mid- to low-level income homebuyers choosing properties in eligible "rural" areas, as defined by the USDA. What few people realize is how much of any state the USDA may consider "rural" for the purpose of this program. The volume of eligible properties in these areas is huge! With no down payment required and interest rates comparable to FHA financing (i.e., really low!) this is the best program out there that few people have ever heard about.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
My top 2 recommendations for mobile apps: (1) SAWBUCK. This real estate app allows homebuyers to search by zip code in a user-friendly neighborhood map view, and filter homes for sale by price, type, and # of bedrooms. It also allows you to see what has sold by linking up to MLS data and (2) the \"JOE ROUMELIS AT GUARANTEED RATE\" FACEBOOK BUSINESS PAGE. My business page gives homebuyers and homeowners access to Guaranteed Rate\'s industry leading online application, your credit report, instant rate quotes, mortgage calculators, personal finance tips, regional real estate news, and more. Once you\'ve found the house you\'ve been dreaming of, check out my Facebook Business Page and build your own Guaranteed Rate Profile.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
As a father, my wife and I enjoy watching our two kids grow up and explore the world around them. Nothing else can quite live up to quality time with family. But a close second goes to playing sports with friends when time allows. It\'s a well-known fact that every guy playing Sunday morning softball is just trying to stay sharp until that baseball scout who passed him up in High School happens to stop by one day and hand him a contract. And when he does, you know I\'ll be ready.
Tell us something that makes you unique or something wacky, yet interesting about you?
My first love is marine biology, I\'ve given lectures to passengers on cruise ships about sharks (my personal favorite), I\'ve been scuba diving to depths of 100ft, and I have a Master\'s Degree in Marine Affairs and Policy. One could say I enjoy the ocean.

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