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Manny Gomes

Vice President of Mortgage Lending
264 Riverside Ave, 2nd Floor, Westport, CT 06880
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NMLS: 105339
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Manny Gomes did a wonderful job handling my loan. Made everything go thru smoothly. A+ rating

Anwar B.

My Loan Officer, Jeff Gomes, was very knowledgable and always available to us for any questions we had along the way. He was great, I wouldn't hesitate to recommend him to anyone I know.

Julia T. -Shelton, CT |AUG 2016

Everyone was great,patient and very professional! Everything was clearly explained and if we did have a question we were immediately taken cared of by a call, text or e-mail. The process once paperwork got going was exactly 2 months as promised! I would absolutely recommend Guaranteed Rate to my friends,workmates and customers. Thank you for everything!

William D. -Trumbull, CT |AUG 2016

I'm extremely satisfied with the staff at Guaranteed Rate. VP of Mortgage Lending Manny Gomes and his team made the process easy and enjoyable. We own other homes and have been through the lending process before; the digitized process that Guaranteed Rate offers, along with the excellent customer service, made this lending experience effortless. I would like to thank Jeffery Gomes, Carissa Myers, Robin Stegeman, and Manny Gomes.

Helio R. -Seymour, CT | JUL 2016

They're very professional and always there when you need to contact them. They answer any questions you have right away.

John O. -Stamford, CT | JUL 2016

I'm extremely satisfied with the staff at Guaranteed Rate. VP of Mortgage Lending Manny Gomes and his team made the process easy and enjoyable. We own other homes and have been through the lending process before; the digitized process that Guaranteed Rate offers, along with the excellent customer service made this lending experience effortless. I would like to thank Jeffery Gomes, Carissa Myers, Robin Stegeman, and Manny Gomes.

Helio R.

Amazing service. Manny Gomez was amazing. He made my life so easy. His honestly and effective advise made all the difference. Thank you and your amazing team.

Johanna I.

I was very satisfied with Manny Gomes and his professional team. All went seamlessly and received prompt responses to my questions and concerns. Also liked the fact Guaranteed Rate has the secured system to upload confidential documents, saving time, and was easy to use. Would refer Manny and Guaranteed Rate to prospective buyer.

Phyllis L.

He was very knowledgeable. He went over my finances and talked to me about the process and what to expect. Throughout the process, the Guaranteed Rate team responded to my questions and kept me updated. The process was so smooth. I only wished I had come to Guaranteed Rate sooner. I was able to get an approval within a month. I'm now in my new home, thanks to Guaranteed Rate and their wonderful people.

Mohammed A. -Stratford, CT | MAR 2016

About Manny

I have been born, raised, and currently live in Fairfield county with my loving wife and son. I am a first generation American as my parents have both immigrated to this great county from Portugal looking to offer themselves and, more importantly, their future children a better life. I thank them for overcoming the large fear of leaving the only place they have ever known to travel a foreign land, unable to speak the language and with nothing but the clothes on their backs and their determination to start a new life. With that determination and hard work they carved out a life for themselves and raised my brother and I while finally enjoying retirement and their grandchildren. One of my favorite quotes comes from Abraham Lincoln when asked by a reporter "What is the one thing you wish you could have given your children?" Lincoln's response, "The one thing I wish I could have given my children would be to experience the trials and tribulations I experienced which made me the man I am today". Growing up first generation I came to know many of those. I started working full time at age 15 to save up money for my first car and have never stopped working since. I worked 2 jobs to get myself through college in which I graduated with a degree in Finance and now I work many hours doing what I love and that is helping people make intelligent choices about mortgage financing.

Manny interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have over 10 years in the mortgage business and what inspired me to get into it was my love and passion of finance and people.
Who is your typical customer and what questions do they typically have?
My typical customer is either a first time home-buyer or an upgrading home-buyer. I typically get asked what the monthly payment is going to be and what options are there with the house they want if they are not going to be there for long.
What specific steps do you use to help your customers find the best home loan for them?
I take a look at their credit history, amount of debt, earning potential and savings history; then based on their down payment I present all available options and discuss them to aid in the decision making.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for over 10 years. An award I have continuously won is the Connecticut Magazine 5-Star Service Award several years in a row, dating back to 2012.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The pros of a fixed mortgage is piece of mind of knowing your payments will never change and can never increase. The benefit of an ARM is the initially higher lower interest rate. If used wisely, Arms could be a lower cost option over time.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I have experience numerous challenging borrower situations that there are too many to remember a whole specific story. However, my approach for each one is to research, set expectations and maintain communication at all times to handle those challenging situations.
What advice would you give new or first time home buyers?
Figure out what payment you would have based on present available options and home search criteria and practice saving that amount of money for at least 6 months to ensure the monthly payment will be a manageable one.
Tell us about a mortgage product that consumers may not be aware of?
A new mortgage product is Home Possible Loan by Freddie Mac. This product offers a low down payment and is great for first-time homebuyers and low-to moderate-income consumers.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has changed radically since I’ve started. From underwriting practices to loan officer compensation to closing procedures. I expect the mortgage industry to actually loosen up in the future as economic conditions improve and the post 2008 housing crisis loan performance is reviewed. I also believe technology will make the process more streamlined but will never eliminate the need for a loan advisor to quarterback the process.
What part of the home loan process do customers find most difficult and how do you help them through it?
Customers find the most difficult part in the home loan process is figuring out what their down payment will be and I help them by reviewing the loan term costs and rewards at different down payment percentages.
What are the top 3 misconceptions people have about the home loan process?
You need a 20% down-payment to buy a home. You need perfect credit. You need to be working for at least 2 years.
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?
One mobile app I recommend for home buyers/house hunters is Real Estate by Zillow. I’m a big supporter of the website and having it on mobile expands their already large reach by allowing you to stay on top of your local real estate market with updated listing and delivers instant notifications on the listings you’ve saved. Another mobile app to recommend is Real Estate Dictionary by Farlex, Inc. It’s a fairly new and unheard of app that offers you free, instant access to thousands of real estate definitions and hundreds of images. Search thousands of terms from multiple real estate, mortgage, and financial dictionaries for clear, in-depth definitions.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Google, whether you like it or not, is the answer to everything. But if Google can’t answer your question, dialing 203-673-2131 will. (It’s my cell phone number)
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?
Start the process 3 months before making an offer on a property to knock down any red flag and get your financial house in order and prepared for mortgage underwriting
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I was the youngest president ever of any Portuguese social center in the United States at the age of 28, at the Vasco da Gama Cultural Center located in Bridgeport, Connecticut.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people purchase a home who did not believe home ownership was possible for them provides me with the most satisfaction in my job as a Loan Officer.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy spending time with my family, watching movies and working on my cars.
Tell us something that makes you unique or something wacky, yet interesting about you?
I enjoy spending time with my family, watching movies and working on my cars

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