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Karol Vera

Mortgage Specialist
173 Technology Drive, Suite 201, Irvine, CA 92618
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NMLS: 810745
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I cannot say enough about my Loan Officer, Karol Vera. She guided me through the application process, always kept me informed on the status of the application, and was always gracious, enthusiastic, and supportive. Her answers to any questions I had were always clear and straightforward. Quite simply, Karol is the best!!!

Thomas S. | August 2017

This experience was almost effortless. Karol Vera and her team really made the whole process easy and fluid. Karol, Laura and everyone else that we dealt with throughout the process exercised a high level of friendly, professional service. These ladies and Guaranteed Rate have done a great service for me and my family. Fast, efficient, and tremendous communication. Being able to upload all necessary documents to DocuSign is a major plus for hectic schedules like mine. I will trust Karol and her...

Jeffery S. | October 2016

It was very straightforward to work with Guaranteed Rate.

Ariel S. | August 2016

Karol was helpful and friendly.

Egerton P. | March 2017

My loan officer, Karol Vera, was patient & helpful every step of the way.

Peggie N. | January 2017

Karol Vera and Theresa Bui were absolutely phenomenal in helping me throughout the application and close process.

Brook M. | September 2016

My loan officer Karol was great. The process was smooth. I have no complaints

Josenny H. | July 2016

I had a great experience from start to finish. I was not sure what to expect but I was thrilled with the quality of the communication from the entire GR team. They made the refi process easy and transparent. I would not hesitate to work with Karol again.

Julia D. | March 2017

Karol was very helpful and truly followed through on every detail. I was very pleased with her performance. She is a definite asset for your company.

Gordon A. | September 2016

I really want to give a shout out to Nicole Dang and Karol Vera!!!! With out the two of them this deal never would have happened, your hard work and persistence is greatly appreciated.

Tracy M. | September 2016

We appreciate Mrs. Karol Vera personally. We were hopeless and had given up before we contacted her. Out of several attempts through various lenders, she was the only one who said "yes" and now we have a home. Her compassion exceeded mere business. Thank you one hundred times for all that you did. She (and her team) went above and beyond. She will get as many references as I can send her.

James K. | March 2017

Karol Vera was a jewel, simply a 'DIAMOND'!! KAROL was sensational!!!!!!!!!

Richard H. | September 2016

I like the convenience of online, it made everything easier with my work schedule.

Donavon G. | December 2016

Karol & team were extremely helpful. This was my first time buying a home and expected it to be a very stressful event. Yes, it was stressful but I was very glad to have them walking me through the process and answering all of my questions. They were very patient with me and knowledgeable.

Audrea C. | February 2017

About Karol

I have over 25 years of combined mortgage and real estate experience. I am here to assist you in making both a technical as well as emotional decision with choosing the best loan program for your needs. My experience, honesty, and attention to detail are my commitment to you during your loan process. Your financial security and happiness are my top priority. I enjoy spending time with my family and volunteering at church and playing piano. I am very proud of my two grown children and happily married to my husband of 28 years.

Karol interview Q&A

Who is your typical customer and what questions do they typically have?
My typical customer is the one who seeks my financial expertise to choose the right loan for them with a financial strategy in mind that will ultimately help them achieve their short and long term goals.
What advice would you give new or first time home buyers?
My advice for first time home buyers is to pretend they already have the mortgage payment prior to buying a house. For example, if they pay $1,500.00 in rent and are looking into taking a loan with a $1,900.00 mortgage payment, then for the next 3 months pretend you already have that $1,900.00 mortgage payment. That means you pay your rent and put aside $400.00 each month. At the end of 3 months you should have $1,200.00 in your savings account. This will allow you to test your mortgage payment comfort level. If you find out that you were not able to follow this exercise or struggled with it, then you might want to consider getting rid of some debt or look for other ways of lowering the mortgage payment obligation first.
What can borrowers do to insure a smooth mortgage underwriting process?
In order to ensure a smooth mortgage underwriting process a borrower must accept his responsibility and partner with his mortgage specialist and everyone else working on the loan. Doing everything on his part to help get his loan to the finish line.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy my devotional time, it allows me to focus on what is eternal and meaningful. I enjoy spending time with my family and don't take it for granted, for we never know if it could be the last time. I enjoy going to church and playing the piano with the worship team. Singing praises to God and focusing on His attributes helps me to love Him and serve others better.
Tell us something that makes you unique or something wacky, yet interesting about you?
A certain word or phrase will trigger a song to come to mind and I will start singing it.

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