Maddox Rees

Vice President of Mortgage Lending
809 De La Vina St , Santa Barbara, CA 93101
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NMLS: 255511
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Maddox and Josh were absolutely amazing - can't thank these guys enough!

Kian M. | July 2018

Truly outstanding. Team was on it 250%! Difficult loan but they knew all the ins and outs and requirements and avenues and exceptions and they did what needed to be done. Would recommend them unreservedly! Thanks.

John L. | June 2018

Everything Maddox said came true. Josh made the application process easy and helped when we needed to figure out how to keep the underwriter happy. The link for financial information was great and the communication during the process excellent. Keep up the good work.

Annette J. | July 2018

I have financed several mortgages through Maddox and his crew with great success. In fact, the latest mortgage was extremely time sensitive and they were able to expedite the process insuring a prosperous closing.

Time Wilde – Long-time Client

I’ve worked with Maddox Rees on several refinances and he has always been fast, professional, and focused on what worked best for me and my family. He is proactive and keeps us up to date on the latest news and how we can work together to make the market and our property work for us. I’d recommend him to anyone looking for a mortgage or a refinance loan. In a complicated world like real estate finance, it’s great to have an upbeat, knowledgeable, and trustworthy guide like Maddox.

Jim Buckley – Writer

Maddox has done a fabulous job for me and my clients over many years. He is proactive, thorough and creative. He and his team are on top of all the details and have never failed to come through. I could not recommend him more highly.

Elliot Shell – CPA

Amazing Company, Maddox really goes the extra mile to make sure you get the best deal possible. His team is at the top of their game!! A ++ I highly recommend his service.

Jeffrey G.

We consider Maddox Rees the most skilled professional in his field that we have ever met and his guidance through the process of obtaining a mortgage for us was invaluable. Maddox had to think “out of the box” with our unusual financial situation that required many hours of dedication to information gathering, communicating with us, his colleagues, and various financial institutions, all with infinite patience and professionalism. When Maddox has your back, you can count on your mortgage.

Luciano Giorgini

Maddox is by far the most honest and friendly broker my wife and I have worked with. He has held our hand through 3 refinances in the past 10 years and despite the see-sawing economy he has always made sure that we secured the best rates available. I cannot recommend Maddox and his hard-working team highly enough, and when we are ready to move again he will be the first one I call!

Howard Robinson – Software Architect

Maddox Rees is a true professional when it comes to straight forward or more complex mortgage situations. Mr. Rees has consistently provides a high level of service and has been fantastic at explaining the options available. He is considerate of the client’s personal views and does not have a hard sell mentality. I am fortunate to have a contact in the mortgage business who is as honest, knowledgeable and hard working as Maddox.

Danny Echt – Long-time Client

Maddox and his high quality team get the job done with eloquence, honesty, top notch communication and great rates. I would give him the highest recommendations possible.

Gregg Leach – Realtor with Village Properties

When Peggy Olcese finally found us a home that would meet our needs at a fair price, (at least as fair as any home in the Santa Barbara area) she negotiated with the seller and the seller’s agent to make the transaction as painless as possible. She even found us financing, after our initial (guaranteed) loan fell through!! Peggy hooked us up with Maddox Rees and his team. He was set with the virtually impossible task of getting us a mortgage in a couple of weeks after another local lender...

Stephen R. Syson – Consulting Engineer

Hello…I just want to acknowledge Maddox and his team for the convenient and expedient refinancing they mastered for me, not too long ago…Maddox specifically guided me through w/o hazzle and as a matter of fact, I didn’t need to do much myself…Thanks’ again…/ Lars…

Lars Wikblad

Honestly in today’s more complex underwriting process Maddox Rees is in a league of his own. After obtaining several more complex loans through Maddox and his team, every time they have come through. His team works well together and they are entirely committed to their clients. Their level of detail and professionalism is superior and their ability to navigate complex funding is impressive.

Joanna von Yurt – GVMS Partners Real Estate

We had the pleasant experience of financing a new (to us) home and refinancing another residence with Maddox Rees. They anticipated the bumps in the road and with their help we had necessary docs prepared in a timely manner. Additionally, Maddox and his team were able to get our financing and refinancing needs satisfied in record time. There were minimal stresses and headaches and we would recommend Maddox Rees and his team wholeheartedly.

Tom Inman – Business Manager

Maddox was great to work with and went out of his way to help my wife and I with refinancing our home. I would happily recommend Maddox to anyone.

Nathan – Home Owner

Three times in the past six years my wife and I have refinanced our home with the help of Maddox Rees. I can say unequivocally that other than the better rates, working with Maddox and his assistants were the only pleasurable parts of an otherwise odious process. Maddox is a smart, nimble thinker who well understands the mortgage business, and his people skills are clearly of like quality. Not for one moment, in all three transactions, did I lack confidence in Maddox’s knowledge and ability to...

Daniel Frank – Long-time Client

My wife and I were introduced to Maddox at a critical juncture of our home purchase. He helped us navigate the complex (and frustrating!) process of procuring a loan and we are beyond thankful he came into the mix when he did. Simply put, we could not have accomplished our goal without Maddox’s expertise. He lived up to his reputation of getting the job done and did so in an efficient, professional and enjoyable manner – Maddox has an uncanny ability to simplify the arduous task of home...

Carlos Lopez-Hollis – CEO, CLH Enterprises, Inc.

We are extremely pleased with the comprehensive, flexible, and outstanding expertise and customer service provided by Maddox Rees. He and his team turned a very non-standard real estate transaction into an efficient, streamlined process. It was overwhelmingly apparent that clients’ best interests are always placed first. We have become long-term clients and enthusiastically recommend Maddox to anyone looking to navigate the home loan process.

Daniel Brown – Business Development Manager

Maddox was a complete professional, guiding us through a very difficult loan process with many, many moving parts and personalities involved. It was a difficult process to say the least but Maddox was able to secure a great rate and program for us. I highly recommend Maddox for any home loan. A true professional.

Greg & Jenn – Investor

If you need someone to go to bat for you for your next new home loan, Maddox and his stellar team are for you. Maddox and his team worked tirelessly to help us get a new home loan. He did what he promised and worked hard to delivery. Where others quickly gave up, Maddox would not and he pulled through for us. Lending is tough these days but Maddox and his team will exhaust every resource they have to make your dream come true.

Nikunj Patel – Home Buyer

I have no hesitation recommending Maddox and his crew. Maddox was proactive in making sure I had everything lined up properly to get my loan. Because of this we were able to close almost one week early. Can’t do much better than that! We also put together a loan package that suited my needs. I’m now a happy homeowner and the process was smooth as silk.

Bruce Covington – First-time Home Buyer

Maddox was able to figure a way to refinance our house after multiple others had told us it was not possible. It was a bit of a process but he was available and helpful throughout all of it. We are really glad to be where we are and appreciate all the work he did to get us here!

Julie – Refinancing Client

Our situation was complex as we are international, had only lived in the US for a short time, and had a month to raise a mortgage. Maddox was absolutely wonderful! He has a can do attitude that is followed through with speed, responsiveness, and efficiency. I appreciate that he kept us informed all along the way, and that he never tired of explaining things. We felt in very good hands.

Caroline Wicht – Long-time International Client

Maddox Rees has helped me and my husband with four loans. He is a professional that pays attention to detail, and turns over every stone to make sure that you have the best deal. I enjoy working with Maddox because he gets the job done and is very personable. He was able to get us very favorable loan terms. Thanks to his expert guidance and knowledge of the mortgage industry, his attention to detail in helping us gather all the necessary documentation, and his efforts to make everything as...

Amy and Eric Ryan – Long-time Clients

Maddox, Jasun, and John were the right guys for me. I am a small business man doing business as a sole proprietor. With these new lending laws it is difficult to prepare the right information for the underwriters. Maddox and the team walked me through each phrase with an explanation of why and helped me get the proper info to the underwriter. My loan was approved but it seemed like going to the dentist at each phase. Without Maddox I don’t know how I would have gotten a loan. It was a pleasure...

John J. Ulman – Self-employed Home Buyer

I only have high praise for Maddox. This was no easy refinance but Mr. Rees pulled it off with persistence and aplomb. At every turn in this rather circuitous road, he was clearly on top of the game, masterful and efficient. Maddox was also honest and worked within the financial framework that we provided. I found him trustworthy, friendly, professional and very focused.

Michael Morgan – Professor

Maddox and team successfully navigated a path through a complex refinance for us. Our questions and concerns were always answered promptly and completely. We were able to complete everything from office and home. Maddox came highly recommended and it is a pleasure to pass on our own commendation of a job well done!

Geoff Needham – Company Director

Maddox got the job done and that’s what counts. Excellent communication throughout. He was able to navigate a complex international financial profile and had a Plan B and C ready when we needed it. Thanks Maddox!

Ken - Home Buyer

I highly recommend Maddox Rees to broker the loan you need for you home. He has the ability to focus the necessary parties on the deal at hand, and reduce any degree of confusion/uncertainty.

Kris – Home Buyer

Applying for a mortgage is not a fun experience, but it’s even worse if you happen to be self-employed and need to borrow a rather substantial amount to bridge the gap between buying the next house and then selling the current property. We finally found the right property after looking for almost two years, but the sellers needed a short escrow. Fortunately, our agent referred us to Maddox Rees because he is extremely knowledgeable, professional, and experienced. Even when unanticipated hurdles...

Sylvia B. – Self-employed Home Buyer

I recently completed my second loan experience with Maddox and his team. Maddox is a great communicator and helped to make everything understandable while navigating obstacles as smoothly as possible. Nothing but praise for this team…they will not disappoint.

Paige H. – Home Buyer

Excellent in all phases. I will recommend Guaranteed Rate.

Charles J. -Montecito, CA | MAR 2016

Maddox has been a great contact and helped me with many mortgages through the last 10-15 years. He is dependable and committed to his client’s best interests. He is a moan “of his word” and doesn’t “over promise and under deliver.” I have given him some tough assignments and I appreciate his approach to learn, educate and be tenacious to get the best deal possible. I believe he is always looking for the “win-win” so all will benefit from his efforts. He puts in the time and personal effort to...

Gary L Gentile – Hospitality Consultant

Made it very easy to refinance my loan.

Joseph T. -Los Angeles, CA | MAR 2016

About Maddox

Maddox Rees, an expert at funding jumbo and super jumbo loans, is renowned for providing world class service to sophisticated clients and for resolving complex financial transactions.

A graduate of the University of California at Berkeley, Maddox annually ranks in the top 99.99% of mortgage originators nationwide and has finished in the top 3 for average loan size for each of the past several years. Maddox’s education and training in writing and finance empower him to package, present and close loans that only a handful of top professionals in the industry would even attempt. He is known as a “Miracle Worker.”

Maddox is also a father of three sons and when not watching their sporting and musical events, enjoys singing, ocean sports and travelling. In his spare time, he is currently co-authoring a business book with international motivational speaker Major Anthony Bourke.

Prior to coming to Guaranteed Rate, Maddox and his outstanding team served as the in-house lenders for two of the highest rated Realty offices in the world (in Montecito/Santa Barbara and Beverly Hills), winning several awards and an ongoing stream of referrals from satisfied Realtors and clients.

The team is elated to be part of Guaranteed Rate. “We’ve always been able to deliver superior service and results,” says Maddox. “Now we have the premier technology, superior Realtor support tools and, most of all, outstanding rates. Guaranteed Rate is a household name in the rest of the country and we’re excited to be part of their expansion into California and sharing their great offerings with our clients.”

In today’s ultra-regulated lending environment, trying to negotiate the mortgage process without professional help is a stress-inducing, months’ long nightmare of paperwork and aggravation with only slim chances of success. Whether you’re rolling down a $300,000 conforming loan or needing help on a $10M purchase, Maddox and his team will navigate the process for you with optimal results – call them today!

Maddox interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started in 1999, but moved wholly to originating in 2004. I fell into the business by accident when a friend who had been tasked with taking over a new mortgage company asked me to join him – even though I had no experience -because he was impressed with how I handled a challenge in a situation with a different company.
Who is your typical customer and what questions do they typically have?
Although I deal with a lot of high-end clientele and sophisticated businesspeople, my customers fall within a wide range. My goal with answering their questions is not necessarily about the questions clients ask, but rather the questions they don’t know enough to ask yet.
What specific steps do you use to help your customers find the best home loan for them?
As with the above, my job is to educate them as much as possible about all the options. And to think about those options beyond the obvious or emotional answer. This all starts with my asking them questions and understanding them and their needs and goals.
How long have you been in the mortgage business? What awards have you won?
I have been exclusively originating for 11 years. I have been a member of President’s Club for several years running at every company I worked for. I have also been in the top three for average loan size for several years as well. Lastly, I have achieved the highest ratings for Realtor and Customer satisfaction for a number of years.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
What are the pros and cons of chocolate vs. vanilla? It depends on the person and situation. There are a myriad of factors from pricing to loan size: for example, it’s a lot easier to do a free 30-year fixed vs. an ARM on a conforming loan. In other words, there is no simple answer.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
A recent victory for us was a $2.3M loan on a second home purchase with $50,000 of income on the tax return and a 610 FICO score! We got the mortgage closed by doing detective work and documenting and packaging the file to a degree that only a handful of professionals in the industry are willing and capable of going to.
What advice would you give new or first time home buyers?
Educate yourselves! Start working with a professional loan officer well ahead of looking for properties. Sometimes you may need to start working a year ahead of time. Also, don’t worry about missing lots of properties, it’s a process. Lastly, the house matters a lot more than the financing. It’s a lot easier to change loans down the line than change houses!
Tell us about a mortgage product that consumers may not be aware of?
I think most people are aware of what’s out there and we’ll let them know if not, but I think what’s important is for people to be open-minded about creative options. Sometimes we need to do loans in two steps where we might have one loan for purchasing the property, but have a plan to refinance out of it in 6 months or so. It sounds like a long way to go, but a) it’s usually not that hard and b) sometimes that’s by far the best option in terms of both price and securing the property.
How has the mortgage industry changed since you started, and what would you expect in the future?
It has changed by leaps and bounds, some of them good, a lot of them not. What I hope for in the future is more licensing and education. A lot of the big banks are going to a model of call centers, but that deprives people of true professionals which are often needed both from a standpoint of they are the only ones who might get the job done and because many people would much rather pay a professional than deal with the stress of navigating the process with someone who is not true professional and who does not understand them and their situation.
What part of the home loan process do customers find most difficult and how do you help them through it?
Educating them about options, about why to use a professional, about how much paperwork is required - and that we don’t make the rules, we just help clients navigate them.
What are the top 3 misconceptions people have about the home loan process?
That they know what’s best! I know it sounds silly especially if people are educated and have gotten loans before, but the business changes so rapidly and there are so many variables that unless you’re doing several loans month in and month out, there’s no way anyone really knows. Another big one is that there is any common sense or logic. Lenders behave according to a certain set of rules that do not make common sense or logic. Lastly, that when we ask for something it’s not something we really need. Believe me, we understand the above, if we don’t really need it, we won’t ask.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
The GR app is the only one they need on the mortgage side and whatever ones their realtor recommends for the home side. I do not pretend to be an expert in anything but mortgage!
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Myself and my team. Plus anything on the GR websites.
What can borrowers do to insure a smooth mortgage underwriting process?
Tell me everything and get us everything as quickly as possible. The more information we have, the better we can package and present a file so that it sails through quickly. Unfortunately many people in this business still throw mud at the wall and hope is sticks, but that is a recipe for disaster at best and needless stress at the least because then you’re getting more headaches and ups and downs later in the transaction. We want to do all the hard work up front so that files sail through as smoothly as possible.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in West Los Angeles and graduated from UC Berkeley. I have been in Santa Barbara since 2001 and have been pursuing a Masters in Spiritual Psychology.
What provides you with the most satisfaction in your job as a Loan Officer?
Educating clients so that they understand how a mortgage impacts their goals and finances. Helping people navigate the Byzantine loan process with the least amount stress – especially those who couldn’t get loans elsewhere – is a close second.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
My sons are first and foremost for me. Beyond them singing brings me more joy than anything else. The ocean, writing and good European-style meals that go on for hours with laughter and interesting people are right behind.
Tell us something that makes you unique or something wacky, yet interesting about you?
I’m writing a book on the interplay and shifting dynamics between the Masculine and Feminine – and what I think is needed in today’s world to bring happiness to both sexes and in their relationships.

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