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Leo Anzoleaga

Vice President of Mortgage Lending
8315 Lee Hwy, Ste 600A, Fairfax, VA 22031
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NMLS: 251882
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TestimonialsCustomer testimonials Read more

Leo and his whole team were excellent and helped get my family our home. This has been one of the most important decisions my husband and I have made, and I'm thankful that Guaranteed Rate was there to make this happen. Excellent company! I will definitely be recommending this company to everyone I know.

Olivia R. - 11/19/15

Leo and the team were great! The whole process was very smooth and we've already recommended Guaranteed rate to friends and co-workers

Nicholas C. - 2/19/16

The Loan officer and his team were great to work with. they were very easy to contact, gave us very fast respond, and also gave detail answers to the questions we had. I like his weekly update, too. Thank you!

Eun-Young C. - 3/4/16

Leo and his team did excellent jobs on both my loans. Wouldn't hesitate to refer them to anyone!

Courtney J. - 3/21/16

Leo is amazing. He worked with me and explained everything every step of the way. My loan was very complicated and he made the impossible very possible. I will never use another lender!

Natalie B. - 3/31/16

Leo did a great job answering all my questions and concerns. I felt he was always there to help and was often ahead of the game in anything I was going to ask about. I felt like he made sure I understood the process and how everything worked. Leo and his team provided exceptional service throughout the loan process. I am glad we were able to use his team during this process. Leo and his team where always there to answers all my questions and concerns, which eliminated the stressfulness that...

Nicholas R. – Manassas, VA | Feb. 2015

Leo was professional and responsive.

Garret H. – Sterling, VA | Nov. 2014

Leo was a true team-player and very communicative. The process was fantastic!

Gerald G. -- Alexandria, VA, 4/23/2014

They were great!

John & Christine P.

They were on top of the process and I really appreciated it.

John R.

I found them to be exceptionally responsive, and they worked with us to make sure we received the best possible service and mortgage solution.


They were very patient and honest with my husband and I about the process of taking out a home mortgage. They broke down all of the payments involved and explained what our options were. Throughout the whole process they made this about our needs. They helped us run several scenarios and we ended up with a loan that works for us with a very competitive interest rate.

Laura H.

I appreciate a group that looks out for the consumer, not just the company's bottom line. And by doing so, I think both the consumer and the bottom line were able to benefit!

Tony P.

Throughout the process, they were responsive, helpful and professional. We would definitely recommend them to friends and family. They did an outstanding job of providing information we needed to meet the requests of underwriters; specifically, providing contract language for our road maintenance agreement. They did everything possible to make the process go smoothly.

Mike & Cheryl M.

Integrity. Whole job well done. Much appreciated.

Robert & Dixie C.

They were always available. I could reach them any day of the week. They were on top of things and had quick turn around on issues, questions, concerns and paperwork.

Thomas & Lauren A.

From day one there was an established level of trust. They were very quick with responses to my questions, whether via phone call or email. I have referred friends and always feel confident that they will receive the same level of professional and knowledgeable service that I have.

Kristina H.

I was a first-time home buyer. I didn't know what I was doing. The most important thing to me was helping me understand what I was doing and making the process seamless.

Tim B.

The experience from beginning to end was all about the relationship and experience. I never felt like at one point I was being sold anything. I felt like they were helping me achieve my goal. They were the calm in the middle of the storm.

Nathan & Shannon K.

Communication was excellent. I felt like I understood everything that was happening along the way and things were explained clearly but in a friendly, non-intimidating manner. I also appreciate the balance of professionalism and humor; they always had my best interest in mind throughout the whole process.

Megan J.

About Leo

I have lived in the Washington, D.C. area for nearly 25 years. I began my mortgage career over a decade ago and have secured loans on behalf of hundreds of clients in the area. Over the years I have gained the respect of many professionals throughout the Washington D.C. region. As a result, I have been able to form pivotal relationships with the areaýs top real estate agents, settlement companies, homebuilders, financial planners, CPAs and insurance agencies.

I am passionate about the real estate industry, but most importantly, committed to serving each one of you and your referrals with the level of professionalism you deserve and expect.

Leo interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I not only possesses a comprehensive understanding of this industry but I also have a genuine care for my clients. I spend considerable time making sure my clients are well educated on the industry and on how a mortgage will serve my clientýs short- and long-term financial goals. I have resolved to build this business solely by referral; this means that, instead of performing less personal activities like cold calling and dropping off rate sheets to real estate offices, I am able to devote myself to serving the needs of my clients before, during and after each transaction. All that I ask is that while working together, if you are pleased with the level of service provided, that you refer me to people of comparable quality who would appreciate the same level of attention.
What advice would you give new or first time home buyers?
Many lenders advertise based on rate alone and donýt do a good job of explaining the true cost of this transaction and its implications. I always advise my clients that getting a low rate on a mortgage is very important, but in addition we must analyze the total cost of the transaction and make sure that it is favorable with their overall financial strategy. Therefore, as my clientsý trusted advisor, I work hard to navigate them through this process and make sure they get the best loan at the best rate that is fit to their life plans. Also, if I'm doing my job correctly then my job truly begins when the loan closes. At that point, I help my clients proactively manage the debt by watching the market closely to find opportunities for no fee, no cost refinances. I continue the communication with them to make sure I am aware of any life changes that might impact the loan. One reason people refer me business is because I have earned their trust. My goal is to earn yours as well.
What can borrowers do to insure a smooth mortgage underwriting process?
ý The cash you need to close and down payment on the home are pretty close to the estimated numbers we went over in your Total Cost Analysis. However, the official legal document that will break down the cash needed to bring to closing is called the Loan Estimate and it will be included in your initial disclosures that we will be sending out to you. Please make sure you have this money set aside for closing. ý Please stay current on existing accounts (a 30 day late notice can cost you), DO NOT apply for new credit, DO NOT max out your credit cards (keep your balances 30% below their limit during loan process; if you do pay down balances, do it across the board), DO NOT consolidate any debt, DO NOT pay off collections or ýcharge-offsý and DO NOT close credit card accounts. ý Please consult with me first before making any credit or address changes. ý Please let us know if and when you will be going out of town as that may cause delays unless we make the necessary timeline adjustments.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Jillýs House is a respite center for kids with special needs. Jill's House serves children with intellectual disabilities in the Greater Washington, D.C. area with short-term overnight care, providing the opportunity for respite for their families. Jill's House serves more than 200 families annually through its Weekend Respite, Weeknight Respite, and Day Camp programs. My wife and I are ambassadors for this organization. We help and serve on various committees but also sponsor a child on behalf of every client that finances a home through Guaranteed Rate.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am voracious reader of theology, history and politics and a serious football fan.

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