Kyla DeMarzio

Vice President of Mortgage Lending
4 Century Drive, Suite 150, Parsippany, NJ 07054
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NMLS: 90199
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Kyla DeMarzio was exceptional from day one. She made me 100% comfortable with every step in the process and made me confident and comfortable that nothing would slide through the cracks. Her team was very responsive and helpful, taking the time to talk via email or phone whenever needed. I would absolutely use them again and would recommend to anyone I know looking for a new mortgage.

Katherine K. | July, 2018

Kyla and her team are the best! They are accurate, knowledgeable and efficient, making sure you get to the closing table on time and with a strong loan that meets your needs and carries the best rate. I’ve used Kyla twice now for my mortgage loans and I would use her again and again, and refer everyone I know to her. She is always available, even on the weekends and late at night, to answer any questions or concerns. Love her!

Maureen P. - July | 2018

Kyla was great and made everything easy to understand and her team responded ASAP at all times.

Alex B. | June 2018

Kyla and her entire team are amazing to work with. They are super responsive and very detailed. They let you understand the entire process of obtaining a mortgage and even though it’s a long process, they make it easier then any other bank. I highly recommend Kyla and her team at Guaranteed Rate. Thanks again for all your help getting my deals closed on time!

Anthony P. - June | 2018

My experience with Guaranteed Rate is always amazing. Kyla, Dillon, Gina and the entire team are amazing and always do such an amazing job. I will always use them and refer them. Thank you for another successful closing!

Anthony P. | MAY 2018

This was my second time using Guaranteed Rate. Kyla and her team make everything so easy!

Kate G.

Great service. The whole team was great, Kyla, Dillon, Denise and Monica - it felt like the team was really working for ME. Being able to do everything online/phone/email was a HUGE win and would have been a deal breaker for me.

Chrissy L.

I have used Guaranteed Rate for all my purchases and refi and I have to say, you have an amazing team there starting with Kyla, her assistant Dillon and then Monica were all extremely helpful in this process. I also sell real estate and use you as my preferred lender and all my clients love working with Kyla and her team! Thanks so much for another successful deal!

Anthony P.

What a Stellar Team!! This was by far the best experience obtaining a mortgage with Kyla & her team! Kyla was Extraordinary! Her staff Dillon, Karen & Dara were also exceptional! What a Class Act! Thank you all very much!

Jason G.

I was so pleasantly surprised by the professionalism and helpfulness of everyone involved in my mortgage process. Kyla, Dillon and Dara were always just an e-mail or phone call away to answering any and all of my questions without making me feel like I was bothering them. This was our first time through the home-buying process and I know years down the road we will be using Guaranteed Rate again. I continue to boast about how incredible the Guaranteed Rate team has been and will be recommending...

Amanda O.

Everything went seamlessly for the closing. This reminds me of the saying that when we see things going effortlessly, it means a LOT of effort was put in that. So, thank you all for your help! It was a wonderful team effort! I look forward to work with you all in future if we get a chance.

Maninder and Jasleen

Kyla, Karen, Dara, and Dillon are like the guardian angels of the mortgage world. I love, love and love the fact that they were responsive, prompt, and actually cared about me. They understand that buying a home is very stressful and they made that stress go away. They were there every step of the way and even checked up on me after closing. Their team made an overly complex transaction into a very simple purchase. Now my wife and I will be able to live in a house that we both love! It can't...

Jaymar C.

Kyla and her team were a phenomenal help throughout a difficult buying process. They were knowledgeable, attentive, and very dependable. I hope to work with them again in the future!

Adam S.

I cannot say enough about Kyla DeMarzio. I am a first time home buyer and obviously this is a stressful process. Kyla held my hand the entire time. She made me feel at ease on the days when I was feeling overwhelmed. She made me feel relaxed on the days when I was uptight. She is THE person you want to have on your side when purchasing a home. She's accessible, knowledgeable, and understanding. She goes above and beyond her title. Not only did I gain a home, but I gained a long-term...

Deana H.

Kyla DeMarzio and her team made obtaining a mortgage a painless process for all parties involved. I couldn't imagine a smoother transaction from application to funding. All at a great rate. Outstanding job Guaranteed Rate!

David W.

Kyla you have been so dedicated and hard-working from the beginning, and I wanted to let you know that I recognized that in you right away when you took the time to call me at 8:30pm on the night of a blizzard. Then and there, I knew I wanted you on my team!!

Maureen P.

Kyla you have been so dedicated and hard-working from the beginning, and I wanted to let you know that I recognized that in you right away when you took the time to call me at 8:30pm on the night of a blizzard. Then and there, I knew I wanted you on my team!!

Maureen P.

Kyla and her team were great to work with. As a first time home buyer, the process can seem daunting at times and they explained and walked me through everything and everything went very smoothly.


Kyla and her team made this a super smooth process and locked me in at a super low rate.

Jennifer M.

You work so hard and never get to see the happy faces at closing. I hope you know how much you are appreciated. It is always a pleasure to work with true professionals like yourselves.

Deb Cullen (Realtor)

Kyla's team was amazing and made it easy for me to stay organized. They are a very cohesive team and I strongly recommend them to anyone trying to purchase a home. I have already recommended them!

Jocelyn T.

This is not our first home or mortgage and the process of going through all of that has always been fraught with tons agita and delays so to have everything go smoothly was truly remarkable!! Kyla thank you so much for doing what you do so well. You and your team were always very communicative and pleasant to work with.

Sarah N.

Kyla and her team were so kind and walked me through the process in a way that allowed me to understand each step. They requested documents in a timely fashion and always immediately responded to any and all of my questions.

Claire O.

Kyla DeMarzio is a true professional in every sense. She and her team were first class all the way. Thank you.


Kyla and her team were absolutely amazing. The entire process was hassle free and couldn't have asked for a better experience.

Jerad M.

You guys are amazing. Our first pre-approval was with someone who we didn't love not for anything in particular but she just seemed to lack alacrity! Rebecca suggested that we consider someone who “can get things done” and recommended Kyla. BEST. DECISION. EVER.!!!!!! With the issues we've had with the lawyers, etc... I cannot imagine getting this done if we hadn't switched loan companies to you Kyla. So thank you for everything

Lami and Bayo A.

Thanks so much, I knew you would just get it done!! I didn't have any doubts and my spirit told me you were the one for the job. I will be sending everyone to you my love!!

Bridgette - Real Estate Agent

Thanks so much, I knew you would just get it done!! I didn't have any doubts and my spirit told me you were the one for the job. I will be sending everyone to you my love!!

Bridgette - Real Estate Agent

Kyla was absolutely wonderful to work with. She is clear and detailed throughout the process and we felt that she wanted us to be educated buyers rather then push us along. Thank you for a great experience!!

Thomas S.

My wife and I were looking for apartment to buy - we found one but it required a special type of loan that my current lender did not provide. Subsequently my agent referred me to Guaranteed Rate and Kyla DeMarzio. I explained to Kyla the rush that we were in because we had to be out of our current apartment within 30 days and wanted to move fast on this condo. She explained that it might be close but she would able to achieve what we wanted. She got her team (Gina Fazzini, Mario Ruiz)...

Corenzo W.

You did such a great job and kept us in the loop the entire process. And your detailed emails made our clients so comfortable we all really appreciated it. Thanks again for an awesome experience!

Susan A. - Realtor

Thanks Kyla! This process was really so much easier than our original mortgage. Thank you and your team for being so easy to work with.

- Christopher W.

Kyla was amazing from day one! She was very thorough and prompt and made the entire experience enjoyable and easy. Kyla and her team are A+++ and customer service can not be beat! I will be sure to refer many people to Kyla! Thanks!!!

Christopher D.

There aren't enough words to express how wonderful Kyla DeMarzio was. From our first conversation to closing, she was absolutely phenomenal. Her knowledge and ability to get things done are truly inspirational. She (and her team) managed to get me the best rate and closed in record time. She's also a sweetheart and that made this home purchasing process a lot less stressful. A truly incredible experience with Kyla and her amazing team. Thank you for helping move into my first home. I will tell...

Irma S.

THANK YOU! I'm so glad I'm working with a professional who's on top of their game like you are!! It’s sooo refreshing. Its the little things like this that I am truly grateful to be working with you. Thank you again

Andrea C.

Kyla, Thank you and your team. Everyone was so great, so helpful, it made the process flow easily.  I hear others that have a miserable experience buying their first home.  You and your team truly made it a fantastic experience from the very beginning until the very end!!  

Andres C.

Kyla, we thank you so much for everything you did for us.  Truly amazing!!!  It was such a pleasure working with you and we will obviously recommend you to everyone!!!!  


WAHOO!!!!!! You are simply amazing!!!! Thanks SO much Kyla!! You and your team are awesome and it has been a great experience working with you guys!!

Jamie B.

Kyla was amazing. She held my hand through the entire (very short) process. I have heard horror stories about the mortgage loan application process and I went through one myself but only because I had not found my way to Kyla and her team at Guaranteed Rate from the very beginning!

Lida R.

Kyla was amazing! White glove treatment all the way. Very attentive and amazing customer service. She was available any time of the day to answer questions and help us resolve issues.

Anita K.

About Kyla

Kyla is a Guaranteed Rate Presidents Club member, and currently ranked in the Top 1% of Loan Originators in America.

I enthusiastically entered the mortgage business immediately after graduation from Hofstra University in 1995. I became a member of our nationally recognized competitive dance team and entered college as a pre-med student, studying to be an orthopedic surgeon. Instead of med school, I was granted the opportunity to have the chance to change peoples lives through home ownership. I was fortunate to learn from the best, many of which are still my colleagues today. I witnessed how an industry I quickly grew to love was littered with such a lack of integrity. This further inspired me to become a student of my profession, and always "do the right thing" by my clients when others didn't. Consequently, 20 years later and with a squeaky clean lending and moral reputation, every decision I make and conversation I have is always driven with the best interest of my clients, always.

I was born and raised in Northern NJ and have lived in Hoboken for the last 15 years. I love my community and am very immersed in it, both personally and professionally. Overall health and wellness enthusiast, life coach, and Mortgage Veteran are often my taglines. Avid sports fan, wine enthusiast, coach, cook, carpenter, certified AQHA equestrian, retired music video choreographer and golfer who doesn't golf enough but does have a hole in one!

Kyla interview Q&A

Who is your typical customer and what questions do they typically have?
My typical client is a first time home buyer, a repeat client either looking to upsize or downsize, a Veteran, or perhaps a previous client looking to refinance to change the terms of their loan, whether to refinance because the market has changed and we can rewrite their loan at a lower interest rate, save money, or take money out of their equity for home improvements, education, investment, or a number of other reasons.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
A well qualified buyer was trying to buy a condo. Two weeks before closing the lender went dark on them with no explanation why. Three days later they got a letter of denial in the mail from their lender with no reason and no return calls from their Loan Officer. Ever since the mortgage and banking crisis of 2008, condo lending has become a science in and of itself. In addition to qualifying you as a buyer, the building as to be approved (or not) which is achieved by gathering an exhaustive list of information from the condo association, and then....knowing how to interpret it and what to do with it. Most lenders and all "big" banks fall down here, and this is where I'm an expert. I get calls from panicked buyers, realtors, and attorneys hoping to save their clients transaction in the final hour. So, I fix problems other lenders can't even begin to comprehend and in the condo world this happens daily.
What part of the home loan process do customers find most difficult and how do you help them through it?
As is anything in life, it's hard to imagine what "it" looks like if you've never done it. Or haven't done it recently. That's where I come in. I lay out a detailed comprehensive road map of what the journey ahead will look like. What to expect, what might go wrong, and how we can potentially avoid it, as a team. I partner with my clients and guide them through the process, explaining what will happen before it even happens. My intense focus and attention to detail puts my clients at ease and they are always prepared, never unpleasantly surprised.
What provides you with the most satisfaction in your job as a Loan Officer?
I have the rare and unique opportunity to build personal relationships with my clients as I guide them through the most likely largest financial decision of their life. There is a huge responsibility attached to this, and one I take very seriously. I often show up to as many of my closings as my schedule allows. This is where most lenders hide because chances are they made mistakes at some point in the process. I walk in with complete confidence that my team and I just gave them the best lending experience they will ever have. THAT'S inspiring to me.
Tell us something that makes you unique or something wacky, yet interesting about you?
I'm often told by family, friends, and clients that "I have more energy than anyone they know." Perhaps they're right. Living a wellness based lifestyle, both mind and body, as well as waking up every day with a genuine sense of excitement, is the direct result of living a life of clear purpose and serving others.

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