Michal Bander

Branch Manager/ VP of Mortgage Lending
621 NW 53rd St, Suite 410, Boca Raton, FL 33487
Contact Michal
NMLS: 370763
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

They were a great team to get the job done on time.

Michelle T. | June 2018

You guys worked with me as some changes happened during the process and did your best to provide great service and keep me satisfied which you did. You helped me to achieve my goal of becoming a homeowner for the second time. Thank you!

Carlos D. | May 2018

I'm really thankful for all your help. Guaranteed Rate staff were very professional. Guaranteed Rate deliver excellence every day keep the awesome job.

Oscar M. - May | 2018

The staff at Guaranteed Rate were very professional and made the entire loan process easier to understand and complete. They were all very accessible and available to answer any questions I might have. The attention given to me and my needs made me feel valued as a client.

Nadine F. | May 2018

everyone very pleasant,very clear on explaining everything very friendly and on time for everything they promised

Brunida C. - April | 2018

Great experience for the third time!

Kenneth R. | April 2018

Michal Bander and Team (Sabrina, Harvey, Michelle, Josh, and others) were wonderful. Very professional and very responsive. They helped us overcome a few obstacles that were unique to the home being used as collateral. It was a great experience and Michal Bander is a true professional.

John B. | April 2018

What a team! I want to thank you all for the part you played in bringing my client's purchase to a successful close. Isn't it great that when we all work together, magic happens! I wish all my closings were as smooth as this, and every one of you had a hand in making it happen.

Nancy C. (Realtor) | April 2018

We were told previously that a home loan couldn't happen for us, but something told me to call Michal. I called Michal and explained my situation and he said, "Rick, we can make this happen." He was right again. He wrote our first mortgage and got this done when others said it couldn't be done with what I can only believe is an amazing team. This will allow us some breathing room and allow us to sleep a little easier at night, as we are expecting another member to our family. I will be happy...

Ricardo and Alejandra M. | January 2018

I was extremely satisfied with Michal Bander and his team on my journey to becoming a homebuyer. Michal was very professional, knowledgeable, and accessible, and he always answered any questions I had. Michal and his team kept me up-to-date throughout the entire loan process on what was taking place. Michal and his team made the lending process very easy for me. My stress level was low through the entire process, because I felt I was in good hands at all times. Guaranteed Rate was the right...

Wisselyne T. | October 2017

It was great to work with both Michal Bander and his staff. In particular Michal was always available by phone, text, or email. He was a pleasure to work with and I will be recommending him to my family who will be in need of his assistance in the near future.

Walter F. - Coral Springs, FL | JUL 2016

It was an absolute joy to work with Harvey Collier, a mortgage lender at Guatanteed Rate when I recently was seeking a mortgage to purchase a new home. Harvey efficiently addressed all my questions, and verified my financial and insurance data to help expedite my mortgage application and approval at the lowest interest rate possible. His professional work on my behalf was thorough and completed in record time. I would highly recommend Harvey's services to anyone seeking a mortgage to...

Hobbit F.

Mr. Bander worked extremely hard to help with my loan process. I don't think it would have gotten done without his expertise. I would definitely make referrals in the future. He made my wife's and myself dreams come true.

Melvin K. – Coral Springs, FL | SEP 2015

Michal was great, he was courteous, professional and was really a pleasure to work with.

Aaron G. – Boca Raton, FL | AUG 2015

Michal Bander was fantastic

Michael A. – Miami ,FL | June 2015

Michal Bander did an excellent job. He was very thorough and easy to talk you. Any questions were answered immediately. Very professional. Great job.

Deborah S. – Tamarac, FL | Apr. 2015

Michal was awesome, amazing and professional. He's great!!!

Manal I. – Coral Springs, FL | Apr. 2015

Smooth process and Michal kept me informed

David J. – Parkland, FL | Apr. 2015

Great professionalism and assistance at all times. I am very satisfied with my loan process.

Robinson E. – Fort Lauderdale, FL | Feb. 2015

Michal Bander answered and returned All my calls. He kept his cool when I was a bit heated at times.

Dawn W. -- Okland Park, FL. 9/30/2014

Michal Bander exemplified a fine display of excellence and professionalism, making the tedious process of purchasing a new home a seamless and bearable experience. My wife and I deeply appreciate their attention to details and your follow up communications with us throughout these proceedings. Michal Bander and his team are the best I've ever worked with. Because of my experience with them, I would gladly recommend my colleagues, family, and friends to Garanteed Rate.

Preston W. -- Clinton, MD. 10/10/2014

Michael Bander was very quick to get back with me, answered my questions, and had a more detailed breakdown of closing costs and fees. Also a lower rate.

Linda B. -- 9/12/2014

Michal and his team had my best interests in mind at all times! They were very patient with me, always made sure that I understood the process and always kept me calm!

Romulo T. -- Weston, FL 7/10/2014

Michal gave precise answers and was very helpful throughout the process!

Mark V. -- Coral Springs, FL 6/30/2014

Michal was very professional! He was on top of everything from the start and very communicative!

Eric F. -- Lighthouse Point, FL 6/30/2014

Michal Bander was exceptional in every aspect All parties involved were very much in sync making it a straight forward transaction

Victor L. -- Tamarac, FL 5/28/2014

You've earned my confidence. This is a skilled team with a well defined process, they have excellent communication which makes for a timely, well executed closing and a very satisfied and grateful client.

Bertie M. -- Lauderhill, FL 4/28/2014

Michal Bander is a true professional. He was always available to answer all of my questions, no matter how silly they seemed or how many times I asked them. Michal Bander and his team have wonderful personalities and are very prompt with everything. I never had to wait for anything from them. The best part is that I felt like they really cared about this big step that my family and I were about to take. There were many words of encouragement and reassurance.

Bobby A.-- Margate, FL 4/9/2014

It was so great working with Michal Bander. He went above and beyond to make buying our new home as easy of a process as possible. He was very responsive, answered every one of our hundreds of questions, explained everything and helped us get into our dream home!

Carlos R. -- Boca Raton, FL 4/3/2014

"Thank you to Michal Bander and all the folks at Guaranteed Rate for making my mortgage refinance an extremely positive experience. Great job!"

Dave K. -- Coral Springs, FL. -- 1/2014

"Michal was professional, very prompt, and always available! I have worked with a few mortgage companies in the past and Michal Bander and the staff at Guaranteed Rate are definitely the most recommended!"

Michael F. Coconut Creek, Fl. -- 1/2013

Thank you for everything. You have been efficient, resourceful, proactive, as well as personable and comfortable to work with. I would not hesitate to recommend your services to anyone. Kyle and I are grateful to have had the opportunity to do business with you and your wonderful team at Guaranteed Rate. Thank you for making this process an easy & non-stressful one.

Nathalie and Kyle W.

“I am very impressed with Mr. Michal Bander's diligence and efficiency, as he never took more than 30 minutes to reply to a phone call or an email, even on the weekends. I also only had one month to refinance my house and it was easily accomplished. I already have recommended him to two people and he also refinanced my friend’s house, and they were very pleased with his work. Mr. Bander He is the best I've ever worked with and I would like to say thanks to him and Michelle Gorsuch for their...

Marciana L. -- Deerfield Beach, FL. -- 5/ 2013

Hey check out the great review from Leandro about Michal! “This was my first home loan in the United States and I have to say it was a very nice experience! Michal was very timely and personable making my overall experience great. Michal thanks again for your friendly service!"

Leandro D. - Coral Springs, FL -- 03/2013

Hey check out the glowing review from Matthew about Michal! “Michal Bander, Teena Wray, and Patricia Mandara were great to work with for our new home purchase in S. Florida. They made a complicated mortgage process simple and seamless. All of our calls were promptly returned, all deadlines were followed through, and all questions were answered. Michal and his team were absolute professionals in every aspect. I will definitely use Guaranteed Rate in the future and recommend to family and...

Matthew R. --Deerfield Beach, Florida --02/2013

Everything from the application process to the closing went smooth as silk. Electronic application and use of digital file transfers via email has sped up the entire process. Michal Bander kept things moving and was in constant communication with us about the progress. He is an asset for your firm.

Ed. E - Pampano Beach FL 2/2012

About Michal

Michal Bander Jr. is a leading loan originator, serving all over the United States. Michal brings a wealth of knowledge as a result of assisting thousands of clients achieve their financial goals through the dream of purchasing and financing real estate.

Michal is experienced in many areas of financing real estate which include Jumbo Loans, Conventional Loans, FHA loans and VA Loans. His clients include professional athletes, affluent business owners, move up buyers, downsizing buyers and first time homebuyers. His professional goals are to conduct himself in the most professional and ethical manner while providing clients with world class service. He wants to make EVERY client a raving fan. He works with many realtors, builders, CPA’s & Attorneys and understands he is an extension of THEIR business. Whenever he is referred to a client they can have confidence that their client will be treated as if they were doing the loan portion of the transaction themselves. As a result of this approach many of his clients have complimented his services on his Facebook Business page, LinkedIn and/or his website. When working with any client, his main focus is to bring great results by addressing all issues upfront and tailoring every loan to the client’s specific individual needs. Michal’s clients will always understand every facet of the loan process, be kept apprised throughout the transaction, receive the most competitive interest rate and CLOSE ON TIME.

Michal has lived in South Florida since the early 90’s graduating from Taravella High School in Coral Springs. He and his wife Danielle currently have two children and live in Heron Bay. Michal has worked for two other mortgage company’s before becoming a VP of Mortgage Lending with Guaranteed Rate Inc., who currently holds the spot as the 8th largest lender in the country originating a total of $14.5 Billion in 2012. Michal is an active supporter of various cancer awareness charities and an active speaker, supporter as well as teacher for numerous financial literacy workshops. Michal’s philosophy at home is a happy wife equals a happy life but his philosophy in business is happy clients breed other happy clients. He understands that when he is involved in a transaction there is typically a buyer, seller, two realtors, a title company along with various vendors such as moving companies and utility companies. With so many moving parts he will always deliver on what he promises without delay to insure clients are stress free during what can typically be a stressful process. If anyone would like to utilize Michal’s services or expertise please call him at 954-684-9227.

Michal interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the Mortgage Business since 2003. I was encouraged to get into it from my wife. Her family had a heavy real estate background and I studied finance in college so it seemed like a good fit. I also love the schedule flexibility and the opportunity to truly help people.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I recently closed a deal for a client that had been declined by two other lenders due to a loss that he had from his business in the previous tax year. Due to the way we structured the deal, we only required the client’s most recent tax return so the loss that he had in the prior year never came into play. We closed this deal in 12 days from start to finish.
What can borrowers do to insure a smooth mortgage underwriting process?
Be sure to get the loan officer and/or loan processor everything requested in a timely manner. Things that are asked of the client are requirements and are not negotiable. Getting the necessary documentation submitted instead of harping on why something is needed will help them insure a smooth transaction
What provides you with the most satisfaction in your job as a Loan Officer?
I love seeing a client feel that sense of self-pride that they're now a homeowner or have now purchased a home that they didn't think was possible.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am an extremely hardworking individual that will always be sure to serve the needs of the client. A lot of people say that they will do this but don't follow through on what they say. The client will never have that experience with me.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options