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Justin Frady

Mortgage Specialist
173 Technology Drive, Suite 201, Irvine, CA 92618
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NMLS: 224017
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TestimonialsCustomer testimonials Read more

Easy. Helpful. Great all around. Excellent team.

Michael G. - Funded 8/2/17

From start to finish, this was a great experience! From the beginning, Justin did a fantastic job reviewing all options and helping me to understand the pros and cons of each. He was available for any questions throughout the entire process plus I always felt like he had our best interest at the forefront. We received very prompt service from all team members. All of our questions were answered until satisfaction. I would highly recommend Justin and team!! Thank you so much!!

Eve R. | 07/20/2017

The whole team -- Justin, Nicole, Adriana and Kristi -- were extremely professional. They were helpful, prompt and instilled confidence. The confidence is especially important when I'm entrusting my home to your company. Your rates were competitive but just as competitive as other major lenders. Justin earned my confidence, so I went with GR. I also liked GR because of it's Chicago connection sponsoring Sox park (even though I'm a Cubs fan) and because your company made a donation to Hands to...

Ed B.- July 2017

Justin was GREAT! He was able to answer all my questions and concerns and was able to close the loan within 30 days, I highly recommend Guaranteed Rate for any future needs.

Nickie T. - June | 2017

Best loan closing EVER. I am honestly amazed at the ease of process and speed from origination to docs. I had anticipated some level of stress in all of this, but found none. This is a testament to the skill and effort of Justin, Kristi, and Nicole. Thank you guys for making our home-buying dream a reality.

Michael R. | 06/02/2017

Thank you Justin, Adriana, Kristi and Nicole. You made a very difficult process very easy.

David M. | 05/31/2017

Would definitely use GR again for future financing, the team of Kristi, Nicole and Justin are great!

Scott W. | 05/05/2017

Justin is very knowledgeable and creative. He was responsive and great to work with on our refinace. Nicole was very responsive and has a great personality. You have a great team it was a pleasure working with them

Joanna V. | 04/28/2017

The process was so easy and Justin and his team kept us informed all along the way. Never had to leave the house, and with running a small business that means everything to me.

Richard P. - March | 2017

Guaranteed Rate had the best options of all companies I inquired with. Justin Frady was clear, concise and available throughout our process. It is apparent that Justin is a strong asset to Guaranteed Rate. It would be my pleasure to forward new clients when I can. Thanks again.

Scott F. | March 2017

Very professional in all aspects from start to finish. I will recommend Guaranteed Rate to friends and family.

Luis C. - February | 2017

Justin Frady was our GR loan officer who seemed more than willing to go the "extra mile" to help us get the best jumbo loan for our refinanced mortgage. He was available as necessary and always very responsive with an excellent personality disposition.

Christopher P. | January 2017

Justin Frady and his team were amazing. We were always on the same page and communicated very well with each other. I would highly recommend guaranteed rate especially with Justin and his teams handling the process. Thank you again GR!

Richard F. || 1/20/2017

Extremely quick and professional team. I am really happy with the process.

Yuriy B. | January 2017

This is the second time within a three year period that we had to either refi or purchase a home. Both times Justin Frady and his crew helped us. Justin and the Guaranteed Rate people are very professional, efficient, and got us our loans in an expeditious manner. We would definitely use Guaranteed Rate again.

Sue W. | 12/15/2016

Closed a jumbo loan in 30 days. Got me a great rate. Dealt with obstacles with no complaints, quickly and efficiently. Great experience!!

Jessica P. | 12/16/2016

Justin Frady and his team are amazing. Kudos to all of them!

Barry B. | December 2016

Justin, Kristi, and Nicole were great to work with- they made this process as simple as possible. Very knowledgeable and great customer service!

Randall B. | 12/05/2016

Extremely easy, fast, and pain free process. Great communication!

Jason G. - 12/5/2016

Justin and his team were a pleasure to work with. They responded very quickly to all of my questions and I would definitely recommend them to friends and family members.

Sarah H. - 11/29/2016

Justin and his team were a pleasure to work with. They responded very quickly to all of my questions and I would definitely recommend them to friends and family members.

Sarah H. - 11/29/2016

Nice service and proper communications.

Pareshkumar M. | 11/30/2016

Justin Frady's team made our re-fi transition flawless and were able to answer all of our questions in a timely manner. Phone calls were returned promptly within the hour if not available. I was very impressed with the knowledge of all associates I had to deal with which made the process even easier. The entire staff was friendly, and very professional. I highly recommend Guaranteed Rate to anyone who is seeking a home mortgage loan. A++ and a big THANK YOU to all that helped!!

Stephen F. | November 2016

Justin and his team did a great job with the refi process. They were diligent in following up with items due and were willing to help during all steps in the process.

Jason L. | November 2016

Justin Frady made the whole process seem effortless. He was always available to answer any questions I had. He and his team were amazing.

Denelle C. | November 2016

Justin is amazing. He takes good care of me and my financial needs. Thank you.

Kristi K. | November 2016

Professionalism, friendliness, high lending standards, deliver on promises - no bait and switch on terms, responsiveness, great team to work with.

David O. | November 2016

Smooth transition and easy online application. People are very helpful and nice.

Brad C. - 10/31/2016

This was an awesome experience for something that I hold near and dear to me.... MY HOME!! Thanks Guaranteed Rate for the professionalism and courteous staff that made this process from beginning to end very pleasurable.

Tammy L. | October 2016

My experience with Guaranteed Rate was beyond my expectations in a very positive way from my loan officer to his assistant and all others involved. Very professional, responsive and caring. Hats off and many kudos to Justin F, Bethany and Theresa B. Thank you for making what is usually a very stressful experience a very simple and stress free time. I will 100% use your company again and have already provided your information to friends.

Flora L. | 10/24/2016

Justin & his team were fantastic. They made getting a re-fi effortless. I've already recommended two of my friends to Justin.

Leslie G. | October 2016

It was a seamless team effort by the Guaranteed Rate crew.

Robert N. | October 2016

I would highly recommend due to their promptness in responding and knowledge in their field. Their level of professionalism is without comparison. The outstanding customer service overflowed to the notary assigned. Her comment was "the closing packet was one of the most well put together I have ever worked with".

Sharon A. - 9/27/2016

Justin Frady and his team at Guaranteed Rate, Kristi and Nicole, are fantastic. I had a short time frame to remove contingencies and close escrow for the purchase of my new home. I was nervous that a loan origination couldn't be done in a short time in this busy market, but Justin exceeded every expectation. He is a great communicator and he explained the process from beginning to end and proactively checked in with me at every critical milestone in between. He is very responsive, and if he...

Tyler H. | 09/21/2016

Thanks again for all the help with the mortgage. I enjoyed working with Justin and his team. I will be sure to recommend you to friends and family.

Jeffrey M. | 09/21/2016

We were very pleased with Justin, Katie and all who helped us through this loan process. They're an awesome team! Thank you, guys!!

- Lorena R. 8/22/16

Justin and his team (Kristi Webb, Nicole Dang) were great. Friendly, professional, and timely in all responses. Much appreciated. I'd use and recommend them again and again.

Donald P. | 08/08/2016

I had such a great experience with GR Loans and my main contact Justin Frady, him and his team (Theresa Bui, Kristi Webb, and Katie Van) made it extremely easy to refinance my home in less than a month, honestly it would have been faster but we had to wait on the appraiser and his availability. They walked me through each step and answered all of my question. Because of Justin and his team, my monthly payments decrease dramatically, and my interest rate was lowered by more than half of my...

Christopher K. | 08/08/2016

Everything went really smooth. I like the upload portal. It made everything easy with the check list. Justin Frady did a great job, and I would definitely do business with him again.

Matthew G. 07/29/2016

Justin made this so easy and explained everything very well. We are very pleased!

Ann W. 07/29/2016

This refi was quick and trouble-free. Justin Frady and his team were always quick with communications and updates. I'v had several mortgages and refi's in the past, and by far, GR was the smoothest and quickest of them. My original lender, Wells Fargo, couldn't beat what GR had to offer!

Llorente L.

My loan officer Justin Frady and his team made the process easy. I always felt like I was up to date with information pertaining to my loan status. I would highly recommend Justin and his team to anyone. Great job guys!

Shaun O. - Funded 7/11/2016

Justin and his staff were professional and courteous keeping the process moving when we would get distracted. Excellent service and pleased with the terms.

Darrin W.

I appreciate the supportive team with strong communication skills and prompt responses.

Ngoc T. June 9, 2016

Such a great experience! Everything went so quickly and simple. Justin Frady and his assistant were so very helpful with everything! Thank you.

John M.

Justin and Nicole were wonderful to do business with. They were understanding of my confusing, commission based pay plan with Snap-On Equipment and worked with me until the end to make sure the refi went off with out a hitch. My three local banks would not help. Justin and Nicole went above and beyond to do what they could to get me my approval.

Benjamin C. May 27, 2016

I appreciate the time and attention the team took to assist me through the process. It's a tedious and sometimes confusing process and they were there for me every step of the way. They were prompt, helpful and courteous with all of my questions and concerns along the way. I would highly recommend.

Jennifer C.

The process was so much easier than I thought it would be. Everyone at GR was super friendly and willing to spend the time necessary with me to explain and discuss things.

Barry F. May 2016

My Experience with Stacy Chadwell and Justin Frady was a very pleasant one. They are both very professional, informative, prompt and really stand out from the rest in their industry. My wife and I will use their services again in the future if needed and would gladly recommend them to friends and family.

Scott M. May, 2016

Justin, Katie and everyone else who had anything to do with our refinance did the most OUTSTANDING job well done. Everything they told me was clear to understand and the process was UNBELIEVABLY effortless. Justin and his team worked like clock-work from beginning to end. I definitely would recommend GR LOANS. Thank you so much for helping us out!

Barry B. - Santee, CA | MAY 2016

I'd like to thank Justin and his entire team for excellent communication and follow up during this process. Obtaining a mortgage can be very stressful. However, the team was very prompt with answers or proposed options in obtaining the loan. I am very happy and will gladly recommend Guaranteed Rate as an excellent lender.

Sharon R. April 29, 2016

Justin and his staff were great. Made it very easy to get a refi.

Robert P. April, 2016

Justin Frady was my loan officer. He really worked to make my experience as easy as possible. Next time I'm in Irvine, I'm going to take him to lunch!!!

Christopher J.

I am planning on using him again to refi another property and have referred Justin to a friend!

Conrad S.

My loan officer Justin and his whole team was great to work with. And I really liked online document processing, it was easy and user friendly. I will definitely recommend to my friends.

Isik D.

Justin Frady and his team (Kristi and Nicole) were such a pleasure to work with!! I have already recommended them and Guaranteed Rate. The process was efficient and simple. You do not get this type of service everywhere and I would recommend giving each one of my representatives mentioned above a raise and a generous bonus.

Brian C., 3/14/16

Justin and his team were great. They answered all questions timely, were readily available to address any questions or concerns. I would use Justin and his team again in the future.

Jeffrey M.

Justin Frady, (along with Zoe Harper, Michelle Lim, Katie Van), made this process easy to understand, and were always willing to go the extra mile to insure that Maria and I had every question answered and every concern relieved. I could not recommend Justin too highly!

Robert F.

This was a very smooth process. Fees were reasonable when compared to others. Expectations were consistently exceeded. Thank you for making this process as easy as it could be while maintaining high professional and ethical standards. See you again in 3-5 years!

Christopher S - Huntington Beach, CA | Feb. 2016

I'd like to give a shout out to Justin Frady who was the loan officer on mortgage refi. Before I came to Guaranteed Rate for the mortgage refi, I had tried to work with Chase (my bank) to refi the Chase loans and I was assigned to what I can only describe as a junior and inexperienced loan officer who was confused about the basic lending matters. After much frustration, I gave up with Chase and chose Guaranteed Rate. The difference between Justin and the Chase "loan officer" was night and day....

David O. - BERKELEY, CA | Jan. 2016

Justin, Nicole and Kristi exhibited the highest level of professionalism and customer care throughout the the whole process. I preferred the experience compared to using my local lender in the past. I would definitely work with them again in the future.

Bob K.

Very helpful , Justin was great !!

Jeanne H.

Justin Frady & his team did an exemplary job! All the details of the loan were explained well & made clear. Everyone that I dealt with at Guaranteed rate were professional & courteous. I was impressed with how quickly that each step was accomplished Things moved forward without any delays throughout the loan process.

Dean H.

Getting everything done online with a home visit to sign the final documents was great!

John Dillenburg

This was a very smooth process. Fees were reasonable when compared to others. Expectations were consistently exceeded. Thank you for making this process as easy as it could be while maintaining high professional and ethical standards. See you again in 3-5 years!

Christopher S.

Justin Frady was amazing to work with and has a very pleasant personality.

Miroslava H.

Justin Frady was the first call I received when inquiring about a loan on the internet. After his call I received many more and they could not compare with Justin's knowledge and customer skills. Vanessa his assistant was spot on with getting me the documents out and the information needed. In my opinion you have hit a home run with this loan process. I just hope the servicing bank is half as good as the loan closing. Thank you for the help and do make sure Justin knows how I felt about dealing...

Ralph H.

After much frustration, I gave up with Chase and chose Guaranteed Rate. The difference between Justin and the Chase "loan officer" was night and day. I would also like to praise the other staff who worked on the loan. Everyone was responsive, knowledgeable, and committed toward getting the loan closed. I also appreciated the fact that Gauranteed Rate has high standards in its lending.

David O.

About Justin

Justin Frady is a Mortgage Specialist at Guaranteed Rate. Guaranteed Rate is one of the largest retail consumer direct mortgage lenders in the U.S., due to their innovative technology, low rates, unparalleled in house processing and customized customer support. Licensed in all 50 states, with a 95% customer satisfaction rating and over $22 billion in funded home loans in 2016 alone.

Justin has over a decade of mortgage lending experience. He ranks consistently at the top of his division in production. Justin leverages his work ethic, customer first attitude, and relationships with his support staff to ensure his clients have a smooth and easy process while achieving their home financing goals. Justin is licensed in all 50 states and DC.

Justin has an associate degree in business from Massasoit Community College and a bachelor's degree in business with an emphasis in management from San Diego State University. One of his goals is to visit all 50 states.

Justin interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Our Digital Mortgage platform is industry leading. I always recommend customers utilize it and all of the tools on
What advice would you give new or first time home buyers?
Know your credit! Obtain a copy of your report early in the process of preparing to buy a home to ensure everything listed is 100% accurate. Credit remains one of the biggest factors in making sure you have access to all of the available mortgage products with the best pricing. Cleaning up any mistakes early in the process will help ensure your credit profile is the best it can be when the time is right to get pre-qualified.
What are the top 3 misconceptions people have about the home loan process?
Ability to qualify, time consuming, extensive paperwork.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people by providing a best in class mortgage lending experience.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have visited 25 states and have a goal to visit all 50

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