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Justin Vicino

Vice President of Mortgage Lending
131 New London Tpke, Ste 215, Glastonbury, CT 06033
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NMLS: 112852
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TestimonialsCustomer testimonials Read more

I have already recommended to a friend. The on-line process is terrific.

Kevin H.

Justin and his team were awesome, they rocked it out hard to get us into our house as quickly as possible. We can't thank them enough !! It was SOOO easy doing everything online, I loved that !! Really I couldn't have had an easier process to go through. Thank you!!

David Mark M.

Justin and his staff are extremely knowledgeable and personable. He was always available to answer questions, whether it be via email, phone call, or text day, night or weekend, As a first time home buyer he properly prepared me and broke everything down for me within this process. He is very professional and friendly. I would highly recommend him Justin and his staff to any friend or family member.

Steven A.

Justin and his team made the whole experience easy and informative. I had heard stories from others about how nerve racking the process of buying a house was and so I was a little nervous coming into it. He blew me away. He was always available with a quick text, email or call and was always ready to explain the fine details, no matter how many times we asked him to explain it. I would highly recommend you guys again. Thanks for everything!

Ryan and Jenna M. - South Windsor

Guaranteed Rate was able to make our dream of home ownership a reality, when other lenders would not. Our loan officer, Justin Vicino, was THE BEST. We have already recommended him to friends who are getting into the market soon.

David and Christina L. - South Windsor

Had a wonderful experience. Justin and his team were helpful, and very professional. It was a pleasure working with them!

Gary K. -Colchester, CT | MAR 2016

Justin is extremely knowledgeable and is very competitive. I will continue to use him for my mortgage and refinancing needs. Before going to somebody else or before finalizing with somebody else give him a call. He could save you some money and a great deal of time.

Mike M., East Hampton CT

Justin was an absolute pleasure to work with! He is highly efficient and responsive. He and his team went above and beyond to make sure this home purchase was able to go through, even when we ran into multiple difficulties along the way. We would not have been able to close on our dream home without the help of him and his wonderful team! I highly recommend him if you are looking for a fast, responsive, efficient lender!

Nadhira V, Coventry CT

Justin guided me through the entire re-finance process and the on-line application process and document transmittal was simple and efficient. He responded to my e-mails quickly and with clarity and was there to answer my phone calls if I needed to speak with him. I have purchased and refinanced several properties in my time, and this was the easiest by far.

John B., Coventry CT

My husband and I just recently purchased a new home and I found Justin and his team to be extremely easy to work with. We were looking for a house for over a year. He was very responsive with a few last minute mortgage approval letters as we were looking. He is also able to break down the finances in terms that are easily understandable. When we final bought a house, his team was very responsive during the approval process. Every day I had an update from them, letting me know where my loan...

Bridget B. Rocky Hill CT

Almost 100% of the forms & documents were online & e-signature capable & our documents were provided online as well (which are features that I appreciated for their ability to simplify & streamline the process). In the end, we got a rate that was better than initially estimated, were cleared to close well before our scheduled closing date &, as a result, closed almost 3 weeks ahead of schedule. Would recommend Justin & his team to anyone!

2 of 2 - Nathan W, Colchester CT

It was excellent working with Justin & Guaranteed Rate to get our mortgage for our first home! The process was simple & straightforward, Justin & his team were pro-active in letting us know what was happening & what would come next each step of the way, & always responded quickly to inquiries. We were told upfront that this mortgage process would be easier & more pleasant than "the horror stories you've probably heard from others" & that was exactly what was delivered.

1 of 2 - Nathan W, Colchester CT

Great lender! Bought two houses and used both times. Fantastic follow through and clearly communicates information. Service is second to none! I would use him every time no questions asked!

Chris A., South Windsor, CT

Even when the seller of the house I was buying wanted to move the closing date of the sale up two weeks, Justin and his team were able to comply with this request and made sure to have all the necessary documentation ready on the date needed. I would recommend Justin to anyone looking to buy or refinance a home as he will provide you with the best service around!

2 of 2 - Stephen A., Columbia CT

Justin was incredibly helpful in the process of getting me a home mortgage loan. He was recommended to me by my real estate agent and he lived up to the recommendation. Justin was extremely quick and attentive with all the work that was required. He helped me get the lowest rate possible and made all the documentation simple by making the entire process electronic.

1 of 2 - Stephen A., Columbia CT

Working with Justin made the house buying experience largely stress free and simple! Justin and his team were very efficient, always responding in a timely matter (often within minutes) and always notified me of anything I needed to submit. The process was easy with much of the "paperwork" being completed online. I would definitely recommend Justin to future home buyers!

Austin B, Portland CT

Had a wonderful experience. Justin and his team were helpful, and very professional. IT WAS A PLEASURE WORKING WITH THEM.

Gary K.

I was so shocked that we were able to close on time! Guaranteed Rate went above and beyond to assure that everything that needed to be done was completed in a timely manner. I would highly recommend this company to anyone who is looking for an easy mortgage experience with highly professional individuals!

Nadhira V - Glastonbury, CT | Feb. 2016

Justin was very professional from start to finish. Justin answered all my calls & email in a timely matter. Justin was able to succeed on getting my loan approved, closed and the best part of it all I was able to move in to my beautiful new home before the holidays. I will always highly recommend Justin to everyone.

Maira L. -Tolland CT

Justin was incredibly helpful throughout the entire process!

Patrick K. – Hartford, CT | SEP 2015

I felt working with a highly skilled and efficient team ! It was awesome! Application processing and maintaining supporting documents were made so easy by doing it online. Additionally team thoroughly supported by email communication during the complete process. Justin was like a mentor for the whole process, he is very solid on his knowledge and clarifies doubts with best clarity and provides lot of confidence to customer. Amy was so kind with her words and excellent in follow ups and overall...

Aveek B.

I felt I was working with a highly skilled and efficient team! It was awesome! The application processing and supplying supporting documents were made so easy by doing it online. Additionally, Justin’s team thoroughly communicated with me during the entire process. Justin was like a mentor for the whole process, he is very solid on his knowledge and clarifies doubts with best clarity and provides lot of confidence to the customer. Amy was so kind with her words and excellent in follow ups and...

Aveek B- South Windsor CT

Justin was incredibly helpful throughout the entire process!

Patrick K.

Justin Vicino, Aimee Yost and Robin Stegeman were very quick to respond to any questions I had. It was a pleasure working with them.

Mark L.

Everyone at Guaranteed Rate was extremely helpful . They made, buying my first house, a pleasant experience as they communicated and explained everything each step of the way. Justin, Robin, and Aimee (his team) have a vast wealth of knowledge and were very efficient in a way that made the process very easy.

- Artur S. Middletown CT.

Justin, Robin, and Aimee were very helpful, friendly, and reassuring. They helped me to close this loan at the last minute, and made a complicated process as easy and clear as possible.

Lisa B.– Glastonbury, CT | July 2015

Justin, Robin, and Aimee were very helpful, friendly, and reassuring. They helped me to close this loan at the last minute, and made a complicated process as easy and clear as possible.

Lisa B.

Justin Vicino went above and beyond and was so incredibly responsive and helpful throughout this process. I was given his name and he came highly recommended to us, and I'm so happy we made the decision to work with him and Guaranteed Rate! The process was seamless and they helped to take a lot of unnecessary stress away!

-Meghan F. Enfield CT

We purchased a probate sale which closed almost 4 months late due to court hearings but Guaranteed Rate was great! Everyone was always available to answer our questions and always knew what they were talking about. Our Loan Officer Justin was wonderful! We would definitely recommend Guaranteed Rate.

Danielle P- Enfield, CT

Justin and his team were amazing. They were knowledgeable and friendly and answered all the questions I had no matter how small.

Alicia F. Ellington CT

I just wanted to thank you for everything and all your help. We are super happy in our house.

Erica M. - Naugatuck, CT

Thank you so much for the outstanding service you provided to me on financing of mortgage for our first home buying. During entire loan process you kept me informed and made whole experience worry free. I appreciate your patience in answering my questions. I am extremely impressed with your efficient and professional manner in which you handled my request, I certainly won’t hesitate to recommend you to my friends and anyone else I hear who might be shopping around for a mortgage. Thank you so...

Sudesh P.

Justin was excellent! He was there from the beginning of the process to closing. He was always available for questions and responded to me very quickly. Justin is a true asset your company and he has won my business for life!

Matthew M. -- Rocky Hill, CT 6/30/2014

Justin was excellent he was there beginning of the process to closing. He was always avaialable for questions and responded to me very quickly. Justin is a true asset your company and he has won my business for life.

Matthew M, Berlin CT

I am so appreciative of Justin walking me through this process and working so hard to secure my loan and get me my house! Thank you so much Justin! I will definitely refer Justin to anyone looking to purchase a home!

Emily D - East Hampton, CT

As a first time home buyer, the thought of the mortgage application seemed overwhelming and intimidating. Justin was excellent in explaining the process, the ins and outs of the mortgage options, and answering my (numerous) questions.

Sarah S- Manchester, CT

Justin went out of his way to make this an easy and pleasant experience. I would highly recommend Justin to anyone.

Toni F- East Hampton, CT

Justin goes above and beyond to make his clients feel at ease on what can feel like an overwhelming process. He is not only very professional but goes out of his way to treat you as if he is one of your friends and really gets to know you on a personal level. I hope his next client receives the same wonderful treatment we did. I highly recommend Justin to anyone looking for help with their mortgage needs.

Brian & Kristen L-Newington, CT

It was a profound pleasure having worked directly with Justin during the construction of our new home. Out of all the service providers, sub-contractors,legal teams and agents we had to deal with during this lengthy process, Justin was always the most responsive and reliable. During very stressful times, it was Justin leading the way to ensure that our close date was met. His ability to collaborate, communicate and his overall desire to do whatever it takes for his clients is what separates him...

Roland-Guilford, CT

About Justin

I grew up in a real estate family having been around the industry since elementary school so I think it's in my blood. My own career began in 1999 and I love the mortgage business even more today than I did then. I especially love the technology side of the business which is what is so great about Guaranteed Rate. Here we have the resources and technology to offer the client the very best and most convenient mortgage experience. I'm a Guaranteed Rate President's Club member and have also been recognized by Connecticut Magazine as a Five Star Mortgage Professional in both 2014 & 2015. I am a lifelong CT resident and am married with 3 children.

Justin interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started in the mortgage business in 1999. I Grew up in a real estate family and have been around the business since elementary school.
Who is your typical customer and what questions do they typically have?
All kinds of customers from first time buyers to high end jumbo clients.
What specific steps do you use to help your customers find the best home loan for them?
I find that the best way to service a client is to ask plenty of questions and really listen to the answers. Oftentimes you'll find a nugget of information that will really help you connect with a client and build a great relationship. The next most important thing is to stay truly educated about the bevy of loan programs available in order to be able to offer the very best program for each individual client. Some loan officers refuse to learn about programs that seem to be more work for them and thus miss out on being able to place the client with the program that fits them best.
What advice would you give new or first time home buyers?
The advice I give both new and repeat buyers about the financing part of home buying is that the costs are important but the service and experience is often more important. Saving a few hundred dollars is not worth a delayed closing or otherwise painful mortgage experience. Work with someone that has a lot of experience, is available to you 7 days per week and is a professional. If you are working with a great realtor, there is a reason that he/she is referring you to me. Trust their advice and expertise.
How has the mortgage industry changed since you started, and what would you expect in the future?
The loan officer must be much more knowledgeable and organized than when I started.
What part of the home loan process do customers find most difficult and how do you help them through it?
Understanding the why? Why does the lender want this or that? I tend to explain that to borrowers so they understand the rationale for some of the things they may be asked to provide.
What can borrowers do to insure a smooth mortgage underwriting process?
The best way to insure a smooth process is for borrowers to make a strong effort to provide the exact documents we request as quickly as possible. We don't request any documents that we don't need. I have found that the buyers that are very proactive and responsive are approved much faster and with little to no stress involved. The clients that do not make the mortgage process a priority often have a less satisfying experience. In order to create a great experience I put a great focus on setting expectations with the client at the very beginning of the process.
What provides you with the most satisfaction in your job as a Loan Officer?
There is no greater reward than a heartfelt thank you from a grateful client whose dream of home ownership has become a reality. Clients for whom you work hard for are clients that refer you to others.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a huge NY Giants footbal fan and have not missed a game since 6th grade.

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