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Michael Ciavarini

Loan Officer
38 Pond St, Ste 108, Franklin, MA 02038
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NMLS: 13184
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It was very reassuring that Mike was always available to answer our questions. He is extremely knowledgeable in every aspect of the mortgage process. It was a pleasure working with Mike through what can be a very stressful process.

Ashley C. - Holliston, MA | JUL 2016

Mike C. was fantastic. Everything went very smooth. The whole team that dealt with my loan was very helpful and professional.

Matthew S. -Hopedale, MA | MAR 2016

Michael Ciavarini was intuitive and understands numbers crucially via his background in maths. In addition his YouTube video of understanding the paradox of a mortgage was extremely helpfully in unlocking the correct loan with the best potential for us. Coupled with a per-determined spreadsheet he created for his clients, making it very transparent when inputting your hypothetical numbers for a potential home.

Raoul E. – Somerville, MA | AUG 2015

Michael Ciavarini and your whole staff were A+! From my experience you are running a well-oiled machine. Keep up the good work!

Joseph B. – Medfield, MA | May. 2015

Mike really made the process flow. Made it a very easy process.

Bonnie A. – Shirley, MA | May. 2015

Micheal was excellent and clearly explained all aspects of the loan and the overall home buying process. He also excelled at explaining how the various numbers and rates related to each other, which demystified some of the more confusing concepts and made it very clear where I stood with respect to what I could afford.

Ian F. -- Charlestown, MA. 9/18/2014

“It was a great experience working with Michael and Guaranteed Rate. I've already suggested that my friends, who are currently in the market, reach out to your team!”

Vanessa S. – Winthrop, MA – 7/2014

“Michael Ciavarini explained the process very clearly, always kept me in the loop and was available when I needed him. I really appreciated his honesty and integrity, both trait that seems to be rare in a world of ever increasing greed and deception.”

Peter L. -- Shirley, MA. -- 5/ 2013

Hey check out the glowing review from Steven about Michael! "My thanks to Michael Ciavarini who made this refinance of many I have done the best experience ever! He is a consummate pro who really understands this business. Always on top of every stage of the process and ensures everything will go through without a hitch. His enthusiasm abounds! His staffs are top notch professionals. Best rates but level of competence, professionalism, and overall smoothness of the process, I would...

Steven C.-- Natick MA. -- 02/2013

As always everything went smooth and quite fast. This is my third time with Guaranteed Rate! I have recommended five of my clients; I have my own business… Michael Ciavarini is always so pleasant and professional! I will continue to send him referrals.

Elizabeth S. Dorchester, MA 2/2012

Michael Ciavarini was very helpful and pleasant. Great people skills. He gets the job done fast and efficient. He is the best. I have already recomended three people.

Elizabeth S. - Milton, MA 12/2011

Everything went great. Michael Ciavarini played a key role in the purchase of our first home. He takes the approach as a trusted advisor, not someone that is trying to sell you a loan. He made us aware of different programs out there such as the PMI buyout up front. His spreadsheet helps you understand where every cent is going and you can work different loan scenarios out. Also anytime I was curious on what the rates where I could shoot him a note and he’d get back to be with the current...

Matthew R. - Foxborough, MA 1/2012

Mike, You are at a level in your business that I only dream and aspire to be at in my own, the pleasure was all mine. Partnering with you and guaranteed rate is the solution to the last big hurdle in my business plan and this weekend I'll be restructuring and reorganizing the website to get your stuff integrated up there as quickly as possible.

Jake Jacobs, Realtor with Keller Williams, MA

I would absolutely use Guaranteed Rate again. Mike Ciavarini was awesome! I heard about Mike from Tom Cataldo, our former insurance guy who has since retired. Tom was right about Mike- he worked very hard for us. We are grateful for his professional services- even when he was supposed to be on vacation. He emailed and called to be sure our closing went smoothly.I have already told everyone about Mike and Guaranteed Rate. In fact, I credit him for allowing us to send our son to his first-choice...

Maureen A. 7/2011

Michael Ciavarini played a key role in the purchase of our first home. He takes the approach as a trusted advisor, not someone that is trying to sell you a loan. He made us aware of different programs out there such as the PMI buyout up front. His spreadsheet helps you understand where every cent is going and you can work different loan scenarios out. Also anytime I was curious on what the rates where I could shoot him a note and he’d get back to be with the current rates (big bank's won't do...

Matt R. - Foxborough, MA 12/2011

About Michael

With college degrees in Mathematics and Computer Science I enjoy presenting mortgage comparisons with customized spreadsheets for each client I work with. No two people have the same mortgage file. My clients are the most educated buyer, seller and refinancer because of the way I educate you and how I present your mortgage data to you. I have been interviewed by WBZ TV 4 News and I have been on most of the Boston financial radio programs talking about how one should prepare and evaluate a mortgage. I have been with Guaranteed Rate since their inception into the Boston market and have been a part of their meteoric growth to #1 in Massachusetts this year 2013. Feel free to explore my website but more importantly give me a call to discuss how I can help you prepare for your next mortgage. Together let us explore the numbers and get it right.

Michael interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I listen to their story. I then ask them a series of questions linking their story highlights to specific mortgage programs and guidelines. I then prepare a unique spreadsheet comparing and contrasting mortgage programs that best create wealth the fastest. I present the spreadsheet analysis to the client in person or over the phone depending on the client\'s complexity.
What advice would you give new or first time home buyers?
Most buyers are more fixated over moving than they are with acquiring financing. Signing a Purchase and Sales Contract is a legal document committing a large sum of money. Give yourself plenty of time to achieve success for mortgage commitment and closing. Place the time it takes to properly acquire a Clear to Close ahead of personal needs. Remember once you sign the P&S and your commitment date lapses there is not going back without serious financial repercussions. Always hire counsel to represent you. The bank\'s attorney does not work for you. They work for the bank. Their job is not to protect your deposit. Build a TEAM around you such as your Financial Advisor, Mortgage Professional, Attorney and Realtor in that order. Most do this in reverse. Protect your money at all cost, be disciplined with the cost of home ownership and be prepared to clearly define your financial goals with this property.
What part of the home loan process do customers find most difficult and how do you help them through it?
Gathering their financials and the time it takes to acquire a mortgage. Most struggle because people shy away from their finances. Before you begin you should have at your fingertips Bank Statement for every account you have money in, pay stubs, W-2's and filed tax returns for at least three years. You should be able to describe how you are paid, bonus and/or commission schedules, your job history as in resume format and you must have a solid vision of what your credit report looks like. This preparation will ensure a successful outcome. Lastly, you need to prepare for a specific timeline of at least one to two months to acquire a mortgage.
What provides you with the most satisfaction in your job as a Loan Officer?
Listening to client stories of what they would like to achieve with Real Estate then offering solutions that bring their hope to reality. I approach mortgage finance as a Financial Analyst creating custom spreadsheets per each client. I\'ve been interviewed by WBZ TV 4 News, been an invited speaker on financial talk radio about how I approach mortgage finance. Creating the most wealth for my clients through their mortgage is my goal and my satisfaction comes from reviewing the successful implementation of our plan through yearly checkups.
Tell us something that makes you unique or something wacky, yet interesting about you?
Mortgage brokering allows me to meet people who share the same interest as I such as cycling, exercise and music and home theater. There is nothing like banging out 33 miles before I start my day with a client or business partner. This is not a job for the faint of heart. You need huge amounts of energy to run a substantial pipeline, to take on the pressure of people\'s fortune that rest in your hands.

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