Michelle A. Chmelar

Vice President of Mortgage Lending
750 Lexington Ave, 4th Floor, New York, NY 10022
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NMLS: 65372
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Michelle was great! Hard working, efficient, and easy to get a hold of. Would recommend!

Tyler W. | May 2018

We've worked with Michelle Chmelar before and she is definitely the reason we used Guaranteed Rate. I'm amazed and pleased at how easy for us the process was this time. We had geographic issues, multiple parties, other complications (as usual) but Michelle and her Guaranteed Rate team, handled these with skill and ease. I wont enjoy paying the Mortgage bit i definitely remember fondly the borrowing process. Smooth. Thank you Michelle, and Guaranteed Rate.

Maura D. | May 2018

Michelle Chmelar was fantastic to work with and the process was very smooth!

Andrew O. - Morganville, NJ | JUL 2016

Michelle Chmelar has gotten me three mortgages over the past 20 Years. She is delightful, smart, comprehensive and fun to deal with. She is a very strong asset for your company.

Robert R. -New York, NY | MAR 2016

Michelle Chmelar was so helpful/responsive throughout the entire process

Ksenia V. – Brooklyn, NY | Apr. 2015

Just finished buying a coop using Guaranteed RAte. Michelle has been my mortgage broker since the Manhattan Mortgage days. As always, she and her team were flawless, easy to work with and made the entire experience smooth and painless. You never know what to expect when companies merge and change but I was incredibly impressed with the company and everyone I worked with. Work with them - you won't be sorry!

Wendy L.

Michelle Chmelar was as close to perfect as I could have asked for. She's just wonderful.

Gal M. -- Brooklyn, NY. 10/17/2014

Michelle Chmelar is a pro and remarkable to work with! She held my hand through the entire experience!

Daniel K. -- New York, NY 6/16/2014

The process was seamless!

Shari L.

Best service ever! I've worked with Michelle Chmelar for over 15 years and she's the best. Great to see her with such a strong team. I'd recommend her any day and every day (and I have)!

Wendy L.

Hey, check out this amazing review from Sarah about Michelle! “Michelle Chmelar is the best! She was helpful and knowledgeable about NYC real estate and loans for NYC Coops. We really appreciated everything she did for us. Thanks so much!”

Sarah B. – Sunnyside, NY – 6/2013

About Michelle

Buying a home is fun and exciting! And you want your financing to be a smooth ride too. But how do you choose the right mortgage professional?

Follow my 5 W's!

WHO? 20 years of experience allows me to successfully navigate the twists and turns of the market and lending policies. Besides financial advisor, I am sometimes marriage counselor, life coach or economic guru. I see my clients through life’s milestones as they start out, grow a family, buy a vacation home, finance college, seek a larger place or downsize. Referrals by my clients are the backbone of my business.

WHAT? Purchase or refinance, I have plenty of loan programs available to fit you and your unique situation. I understand the intricacies of condos and co-ops and the up-front due diligence needed. Strong relationships with my lenders let me advocate for you and provide the best rates and options. Whether condo, co-op, or castle, I am there for you from day one until we celebrate your closing.

WHEN? The best time to speak with me is the moment that you think you may want to buy a new home or refinance. Whether making a bid or in contract, call me to discuss your transaction- the details, timeline and loan programs you are interested in. Not sure which loan is best for you? Let’s analyze your situation and find out today.

WHERE? I specialize in NY, NJ and CT and, through my colleagues, can work to assist you with transactions in 48 states. Co-op, condo, multi-family or vacation homes are no problem-I have the right loan program for you.

WHY? The mortgage on your home is life’s biggest monetary venture that most of you will embark upon. Let me take on the myriad of hurdles so you can actually enjoy the process!

HOW? Call or email me to begin. I will explain the process in detail and discuss the steps we will take to meet your timeline and close your deal. I look forward to hearing from you today.

Born and raised in Michigan, I attended the University of Michigan and am a proud Delta Gamma alumna. I am an active Girl Scout leader for my 11 year old daughter’s troop. My family loves Bernese Mountain dogs and divides our time between NYC and Vermont.


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