Paul Hirschauer

Senior Vice President of Mortgage Lending
18 Titus Rd, 2nd Floor, Washington Depot, CT 06794
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NMLS: 235986
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Paul was with me through several opportunities and with his help I have as finally able to close in one. Paul is super responsive and while he has a team that works with him, he’ always make sure you know he is available. He answered every question and handled every issue in a professional manner that also showed a human touch. I would and will recommend Paul without reservation.

Douglas P. | June 2018

The team was awesome!!! Could not have asked for a better experience. Thank you.

Robert R. | June 2018

You were on top of this transaction all the way through. It was great working with you.

Maria Teresa D. - Realtor

Thanks Paul - I really appreciate your help on this and all of the hard work. All of your efforts and those of your team are much appreciated. I will likely have some referrals for you.

Jeff P.

I wanted to thank you for all of your hard work and help with my mortgage. You made the process move quickly, smoothly, and I am very grateful I chose guaranteed rate. Thank you!

Sarah F.

Everyone was fantastic! Paul Hirschauer, Annie Kuehl, Mike Dye, DJ Deolitsis, Mike Murphy were awesome. I couldn't ask for a better team. They made sure my loan and mortgage experience was smooth and trouble free. I would absolutely recommend them and hope that anyone who uses them in the Connecticut area would have as great experience as i did!

Jessica R.

Paul Hirschauer, Michael Rivera, Robert Lemaire, Constantina Salerno and the rest of the team were exceptionally dedicated, educated, thorough, and patient. My wife and I are grateful for their excellent service!

Douglas C.

Paul Hirschauer was a pleasure to work with. He is proactive, knowledgeable, and worked hard to make sure the solution was right for me.

Sana C.

Paul is a unique and invaluable asset to Guaranteed Rate. The only thing I would recommend is more Paul Hirschauer's!

Howard G.

Hey Paul! You're team was amazing! Everyone of them from start to finish. They answered all of my questions patiently and happily. They were all very responsive and truly cared about getting us through the process as easily as possible. It was truly a pleasure working with you and your team! If I could afford to buy another house tomorrow I would use you again tomorrow! Thank you so much for all of your help.

Ariel E.

To Paul and his team for finding a bank that was willing to create a mortgage for two generations and for patiently holding our hands under unexpected and extenuating circumstances…. A thousand thanks and a hundred hugs!

Nancy, David and Peter B.

Paul and his team were very professional and helped us with every step in the process. This was our first time buying a house and they were very good at keeping us in the loop of what was going on! Paul and his team had great customer service skills and patience with my wife and myself as we were very nervous about the whole process and probably asked them more questions than they are used to!

Winthrop H. -- Litchfield, CT 7/28/2014

The alternative rate structures were laid out clearly. The service was extremely efficient and the rate was very competitive. Paul Hirschauer is excellent.

Rebecca D.

Every aspect of the loan process was handled professionally and well. Paul and his team are to be commended for their high level of service that exceeds expectations.

Mark M.

Don’t fix what’s not broken. Flawless Service! We were very fortunate to find a team like Paul’s.

Brian and Timea L.

Every call and/or email was professional, courteous and outstandingly handled. Many thanks for your support from start to finish. A great team to work with.

Michael and Ruth V.

Every aspect of the loan process was handled professionally and well. Paul and his team are to be commended for their high level of service that exceeds expectations.

Mark M.

We received the best service ever! Paul and his team did a superb job communicating with me and getting us into our new home in only three weeks! We are thrilled with the level of professionalism and dedication. Many thanks!

Emily G.

“Paul and his team were great, everything moved smoothly and was a great experience. I will recommend Paul highly, because he is a wonderful person to work with. Thank you Paul!”

Maura F.

“Overall we had a great, virtually seamless experience! Paul immediately took control of everything and made it very easy, communicating and working very closely with our attorney and realtor. He was available around the clock at the most important stages of our process and always responded to me right away. I would definitely use Guaranteed Rate again, without question, and I would certainly recommend them to anyone. Full concierge-like service!”

Barbara E.

Paul and team were fantastic! Very professional, useful insight about structuring mortgage, not pushy and had my best interests as a focus. Thank you for all the help!

Benjamin M.

Paul was great! he was able to quickly and accurately define our needs and talked to me in a professional and caring way.

Craig P. & Janet J.

Paul Hirschauer and his staff are very knowledgeable. They answer questions clearly, take and return phone calls promptly and are so nice. A sincere thank you to Paul and his staff for making the refinance process painless!

Sona L.

We received the best service ever! Paul Hirschauer and his team did a superb job communicating with me and getting us into our new home in only three weeks! We are thrilled with the level of professionalism and dedication. Many thanks!

Emily G.

Paul and his team knew exactly what was needed and when and helped us seamlessly through the process. Would highly recommend!

John W.

I have been using Paul Hirschauer and his team for the past 10 years. Always great work from them and efficiency when it comes to all the details of a loan.

Alain & Emily P.

I have never used a broker before in the many houses I have bought and mortgaged over the years. It is a new world in banking however and I am glad I had your help in negotiating these new rules with new players. I did not think I would ever have gotten as good a deal as you found for me. I am completely satisfied with your professionalism. It was wonderful to have you answer my questions and deal with my impatience in the final wrap-ups of my mortgage.

Dan R.

Thanks to you and Guaranteed Rate our closing went very smoothly today. In fact, out of several closings and refinancing that we've done so far in our life it has been the best! We will highly recommend you to all of our friends who need your services!

Calin & Emily M.

Wonderful service and a wonderful experience

Peter J.

We are deeply grateful for your extraordinary services. Be assured we will continue to recommend you to anyone in need of your excellent service.

Lindsey & Jane G.

Your team was friendly, professional and went the extra mile. It was a pleasure doing business with you. You run a very accessible operation and take some of the pain out of all the endless paperwork. Thank you!

Donald & Susan K.

The service was amazing and I will refer anyone/everyone to your office. They were prompt and receptive to all my concerns. The team was understanding and made me fell comfortable with the whole process.

Nathan M. & Marsha D.

Paul and his team were wonderful throughout the entire loan process. I was so impressed with the care and service of the team that I have already recommended your company!

Kristen W.

Everyone was courteous, professional, competent and responsive. A great experience. Made the whole process painless. Would strongly recommend Paul and his team!

Glenn P.

The service was excellent and highly professional. Paul was prompt, efficient and effective. We got a great rate in a difficult market. We are highly satisfied with the service and with our loan.

Michael and Helen M.

We had a very good experience working with Paul and his team on the refinancing of our mortgage. It went smoothly, without any problems. Your professionalism is much appreciated. We are happy with the outcome. Thank you!

Teresa F.

The process was clear, professional and was conducted as quickly as possible. We are very satisfied and grateful to own our home in such a timely manner and with as little confusion as possible for first time home buyers. Paul was professional, thorough and kind.

Amanda S.

Friendly, excellent service. As always Paul and his team dlievered what they promised in a timely and professional way.

Fred B. and Lisa P.

Everyone at GR was courteous and efficent. Jennifer Laurer went out of her way when last minute requirements were imposed by the bank and threatened delay.

Raymond and Judith M.

Very simple and seamless process! Very efficient, quickly done, very easy on our end and everything was taken car of for us. Thank you very much for all your help and expertise in our refinancing. It made it very easy and simple for us to do.

Douglas & Amy S.

Very happy with the experience! This was one of the easiest home purchases we've made! Paul thoroughly explained the process and followed through on everything he said he would do! Without question, I will recommend your services to everyone who is interested in purchasing a home.

Sidney G.

Very prompt, professional and courteous with our questions and lack of experience with the process – made it an easy process. Thank you all again for getting us a loan and for making it such a smooth and easy experience.

Winthrop and Cara H.

Paul and his team treat me like a knowledgeable professional - no talking down. Paul gives great service - courteous, finds a good rate, and follows through. He makes the process easy.

Craig P.

I would gladly recommend friends and family. Paul has excellent communication, true professionalism, and integrity throughout the process. I am a repeat client and would most certainly contact GR again should the need arise. Paul and Jennifer are true professionals in the industry. Many Thanks!

Stephen C.

This is the second mortgage I have closed with Paul and his team in the past 6 months - he is fantastic, cares about his customers, has client's best interest in mind, and has sound advice. I will be sure to refer everyone with mortgage needs to Paul and Guaranteed Rate.

Benjamin M.

The team was responsive, courteous and professional, and understood my needs. Paul and his team do a great job. I have now done a number of transactions through Paul and his team, and each time the experience is a plus.

Paul and Nancy M.

Paul is great at maintaining the line of communicaton throughout the loan process. This I believe sets your organization apart from others. Team was prompt, able to clarify process, move process along, kept me informed, and overall did a great job throughout the loan process. I have already given. I have already recommended Paul to family and friends.

Derek and Wendy A.

I've been very satisfied with Paul and GR. Prompt responses to questions; frequent updates on status, total professionalism. Ability to get things done and able to deliver on promises. I have referred others to Paul H. and will continue to do so whenever I learn of someone looking for mortgage-related services. Paul and his team are best in class. Always honest and willing to go the extra mile. A pleasure to work with.

Anthony R.

We loved working with Guaranteed Rate. They got the job done and were straight forward with us. When no one else would give us a mortgage you guys went above and beyond and got the job done. Paul even came to the closing which was amazing...I have never heard of a broker coming to the a closing before. That meant a lot. Without a doubt will I recommend guaranteed rate to friends and family. And if we buy again we will be using you guys again!

Elizabeth M.

About Paul

Paul Hirschauer is a customer-centric Senior Vice-President of Mortgage Lending at Guaranteed Rate, Inc. With 24+ years of professional experience, Paul has been recognized as a member of the top 1% of funded loan volume producers in the nation and credited with personally closing $2B+ in residential mortgages. He is the recipient of multiple sales awards including Chairman's Circle and President's Club. With proven expertise in jumbo, super-jumbo, and second home financing, Paul also possesses the ability to offer mortgages to clients of all backgrounds. He has successfully helped first time home buyers, government loan recipients, and clients requiring conforming loan amounts. Licensed in Connecticut and New York, Paul and Guaranteed Rate are capable of servicing clients across the United States.

Committed to helping clients achieve the American Dream of homeownership, Paul, alongside his highly talented team, provides superior 5-star mortgage services in an effort to build lifetime relationships formulated on customer assistance, trust, and integrity. As a trusted partner and mortgage banker, Paul handles each client transaction and consults multiple lenders to offer the best rate and mortgage solutions. Furthermore, Guaranteed Rate has strong relationships with many major banks as well as small boutique investors. Because of this, consumers are offered extremely competitive rates, high-quality underwriting services provided by in-house professionals, and an internal closing department that takes full control of every step of the loan process. Finally, in an effort to ensure best-in-class services, only local appraisers are contracted for consultation in the appraisal process.

Paul invites you to contact him for more information on how he can help you find the best mortgage to fit your needs. Or, discover if you are pre-approved right now!

Paul interview Q&A

Who is your typical customer and what questions do they typically have?
I have experience and knowledge in working with diverse clients, from first time homebuyers, serving the luxury market, and everyone in between. Of course, the first questions I always receive are, "What's the rate and what are your fees?" I am a correspondent mortgage banker, which allows me to have very competitive wholesale pricing and discounted closing fees. I consult with clients and determine what their short- and long-term mortgage financial needs are. I consult with many lenders. This helps me not only provide best-in-class service, but also discover a home ownership solution that makes the most financial sense.
How long have you been in the mortgage business? What awards have you won?
1. I have been originating mortgages for 24 years. Every year I have been in the top 1% of funded loan volume originators in the Nation. I have achieved many sales awards throughout my career, including Chairman's Circle and President's Club. I have personally funded in excess of 2 billion dollars of residential mortgages. I have built my business on creating relationships through service, trust and integrity.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage is a type of loan where the interest rate and monthly mortgage payments stay the same throughout the life of the loan. Conversely, like the name implies, an ARM has an interest rate that starts out lower, but can fluctuate with the housing index rate. A fixed rate mortgage is always the more conservative choice of the two. The interest rate is higher than what an ARM starts out at, but there is the possibility that it could end up being lower than what an ARM will end up being after the introductory rate has lapsed. Fixed rate repayment terms for a loan are typically 15, 20, or 30 years. Since fixed rates loans are usually sold to a secondary market, there isnýt really any wiggle room for customizing the loan. Now, an ARM is a mortgage that can be considered a bit of a gamble. Your interest rate stays the same for the introductory period, but then fluctuates according to a pre-determined index or the prime rate. This means that your monthly mortgage payments will change as time progresses. There are definitely many good points to both of these mortgage productsýand everyoneýs situation is different. In order to discover what type of mortgage is right for you, contact me today!
What are the top 3 misconceptions people have about the home loan process?
The first misconception is that all lenders have the exact same rates. This is false. All vendors have different rates and there is no one-size-fits-all. Not knowing this can cause a mortgage borrower to fail to shop around and only consider a single lender before deciding where to apply. In turn, this could cost you more as opposed to someone who considers rates offered by multiple lenders or brokers. Secondly, there is a belief that you should only work with someone directly associated with your personal bank. The fact is that there are many lenders and each has varying levels of service. At Guaranteed Rate, we are very focused on automating the process and making it easy for you. We have streamlined the home loan process through our pre-approval systemýand this online tool has been well-received by home buyers and realtors alike for its confidentiality and effectiveness. The next misconception is that the home loan process is frustrating because of the lack of customer-oriented service in the mortgage industry. Actually, at Guaranteed Rate, that couldnýt be farther from the case. With the help of my dedicated team, I work to ensure that every customer I serve receives the best in service and communication. I believe that this is a service business and that is what I have based my career on. I am here for my customers and referral partners.
What can borrowers do to insure a smooth mortgage underwriting process?
3. It all comes down to meeting the documentation requirements that are needed to get the loan approved as well as closed. The more experienced and dedicated the loan officer is, the smoother the process will be. With my experience and your cooperation, this will ensure my commitment to providing a successful approval and closing to all my clients.
What provides you with the most satisfaction in your job as a Loan Officer?
It's all about achieving the American Dream. I receive immense pleasure from putting people in homes. Knowing that I am responding to and delivering upon a client's desire and necessity is what drives me. This has helped me build my business and develop an extensive referral network simply because my clients understand that I am dedicated to helping them and to becoming their partner in this process. I do not take any of my business for granted.
Tell us something that makes you unique or something wacky, yet interesting about you?
I actually grew up in Venezuela, I spent the first 13 years of my life there! This experience allowed me to learn how to speak Spanish fluently (a skill I retain to this day). What's more is that living abroad really opened my eyes to other cultures and ways of doing things. I went to a school that taught kids from all over the world and I remember being fascinated as I listened to other people's stories about where they came from and their customs, what religion they were, what type of food they ate - the list goes on. As I have gotten older, this fascination never left me. I am so thankful for this incredibly unique experience as a child.

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