What people are saying... What people are saying... Back to profile
Penny and Nichole were great to work with. Responsive and professional.
Joanne M. - West Allis, WI | Apr 2022
Penny and Nichole are OUTSTANDING!!
James H. - Muskego, WI | Apr 2022
Great communication for a first time home buyer and always quick to respond, even on the weekends!
Rhenee B. - Saint Augustine Beach, FL | Apr 2022
Penny Charlson and her team have made the mortgage process easy
John M. - Milwaukee, WI | Apr 2022
They worked with us every step of the way and made buying our first home easy.
Rachel Z. - East Troy, WI | Apr 2022
Guaranteed Rate was there for me every step of the way. With it's electronic methods to submit and complete documentation, it made obtaining this loan a breeze.
Eric S. - Oconomowoc, WI | Jan 2022
Penny and the whole team was very responsive to my emails and calls. I could ask questions freely. I felt very comfortable.
Angelita G. - Watertown, WI | Dec 2021
Another smooth transaction
John M. - Milwaukee, WI | Dec 2021
Excellent communication with Nicki and Penny
Susan D. - Nashotah, WI | Nov 2021
Penny and Niki did a great job
Carl C. - Milwaukee, WI | Nov 2021
Great service and prompt responses.
Nicholas D. - Waukesha, WI | Nov 2021
Service and rate Penny found was great.
Paul A. - Hartland, WI | Oct 2021
Penny and Nikki did a great job and we’re on top of everything with fast results
Darryl C. - Hartford, WI | Oct 2021
Penny is so kind and takes the time to explain each step. Nicki and the team were also very responsive. I always thought they had my back and I trusted what they suggested. So happy to have a process that did not add any stress to my life. Fantastic Job!
Carine E. - New Berlin, WI | Oct 2021
Attentive & personal service!
Nicole M. - Milwaukee, WI | Oct 2021
Quick and easy close as always
John M. - Milwaukee, WI | Oct 2021
Penny & Niki (and team) were fantastic. Knowledgeable, quick, helpful, and extremely nice. Great working with the team!
Matthew T. - Milwaukee, WI | Sep 2021
Easy to work with, quick, kept in contact with me
Jordan B. - Hartford, WI | Sep 2021
Very easy to work with, professional and knowledgeable. Excellent at what they do.
Daniel W. - West Allis, WI | Sep 2021
The people we worked with really knew what they were doing, helped us every step of the way, answered all of our questions, and were very friendly and wonderful to work with.
Courtney F. - Franklin, WI | Sep 2021
THe team that I worked with was great. Kept me on track. Walked through doc's needed well before they were due.
Kenneth M. - Sycamore, IL | Aug 2021
Penny and Nikki were awesome to work with.
Jody S. - Oconomowoc, WI | Aug 2021
Great service. Responsive, professional, courteous
Daniel S. - Oconomowoc, WI | Aug 2021
Because I've worked with Penny for years and her & Nikki have always been amazing!
Daniel M. - Watertown, WI | Jul 2021
The communication between Penny and her assistant was spotless! We were on a strict timeline and they worked super hard to make sure our timeline was met. They made sure we were informed about everything throughout the process.
Gilberto G. - Waterloo, WI | Jul 2021
Excellent response times, Helpful guidance through the process, enjoyable experience
John W. - Nashotah, WI | Jul 2021
Very helpful and accessible
Helen G. - Hartland, WI | Jun 2021
Because of Penny Charlson and Nichole Goecks
Chad S. - Campbellsport, WI | May 2021
I worked with Penny Charlson and Nichole Goecks and had an amazing experience from start to finish. Both were so helpful, supportive and knowledgeable and made things go smoothly.
Sheyanne M. - Waukesha, WI | May 2021
Penny and her team were amazing. From start to finish on top of everything and were true professionals. The ex
Kevin C. - Oconomowoc, WI | Apr 2021
This is my third mortgage with Penney and second with Guaranteed Rate. The process is relatively smooth and easy with my more complicated income structure.
John M. - Milwaukee, WI | Apr 2021
They were able to get loan done as promised without any surprises
John M. | Mar 2021
they were very good and responsive and knowledgeable about the process.
Thomas R. | Feb 2021
Penny Charlson and her team
Erik J. | Feb 2021
Penny & Nikki always took the time to explain everything along the way-no judgement. They definitely wanted to make sure I was comfortable in my understanding of the whole refinancing process.
Tanya U. | Feb 2021
On-point communication, friendly staff, above to meet our accommodation requests
Rebecca L. | Feb 2021
Niki and Penny were fantastic. They took care of everything and we''re in constant communication about everything!!!
Gregory A. | Feb 2021
Penny Charlson has serviced us in the past and so it was natural for us to call on her again for refinancing. She is an outstanding individual to work with--helpful, accommodating, reassuring, knowledgeable, understanding, and more and more.
Nancy J. | Dec 2020
Great personal customer service
Irina B. | Feb 2021
They were great. Penny and Niki were available when I needed them and always answered my questions. I always knew where we were in the process. I was in good hands!
Mary Jo C. | Oct 2020
Because they stayed with me through the whole process, encouraged me, and explained everything along the way.
Lori M. | Dec 2020
Easy, quick, personal, and professional
Desirae K. | Jan 2021
No problems. Easy to contact someone with questions and concerns.
Jonathan O. | Oct 2020
Because penny Charlson and her team are amazing
Nina B. | Dec 2020
I needed all the help I could get to get it done. They were very understanding and helpful. I could not have completed it without their help. They made it easy for me.
Stephen M. | Jan 2021
Did a good job of mapping out and assisting with the process
Suzanne H. | Oct 2020
Advice, professionalism, and response time.
Matthew S. | Dec 2020
The service was exceptional. My questions were answered quickly no matter when they came up.
Karen B. | Jan 2021
Great communication, quick follow up, explained things well
Jenifer S. | Sep 2020
Penny and her team were a pleasure to work with. Everything was explained thoroughly, and completely quickly. I have already recommended them to a friend!
Jennifer T. | Oct 2020
Penny was absolutely fabulous to work with. She took time to explain and re-explain anything I asked her too. For someone who isn’t a numbers person I walked away with a good understanding of my loan.
Brittany M. | Nov 2020
As a first time home owner there we’re a multitude of things I didn’t know and it was comforting working with the people who were there for me every step of the way.
Brooke S. | Dec 2020
I love working with Penny & Niki
Shelly T. | Jan 2021
Very knowledgeable & friendly. Easy to work with.
Jennifer L. | Jul 2020
Penny and Niki and the collective team were so helpful answering questions, helping understand rates, options and forms. There's lot of paper work that goes into financing and they were there to help me walk through it all. I'd highly recommend them for any future mortgage needs. Thank you both!
Leanne S. | Jul 2020
They were great help in getting everything I needed together and very informative
Gina C. | Jun 2020
They are very knowledgeable and friendly and I know that anyone I cared about would be in great hands with Penny and Nikki.
Byron G. | Mar 2020
We love Penny and Nicki! No desire or intent to work with anyone else ever again!
Jonathan K. | Feb 2020
Great service from Penny and crew.
Randall H. | Feb 2020
Awesome people and worked tirelessly in getting what I wanted!
Keith W. | Feb 2020
Penny and Niki were easy, friendly and knowledgeable to work with.
Tyson G. | Oct 2019
Penny and Niki were absolutely wonderful to work with. They made sure they were with me every step of the way to answer any questions I had, no matter how many times I needed to ask it, and always made me feel like they truly had my best interests in mind. I look forward to working with them again in the future.
Benjamin K. | August 2019
Great people to work with, they were nice, attentive and kept the ball rolling.
Brian M. | June 2019
The people I worked with at Guarantee rate were great to work with and made things Very easy for me. Answered any questions I had right away.
Lisa P. | May 2019
Penny Charleston and her processor Nikki were the best! Penny is a great communicator, she knows so much about the market, and is friendly, and accommodating! I would highly recommend her to everyone I know. Not just a good loan officer, but a great person!
Jon N. | May 2019
Penny Charlson was awesome to work with. I almost want to buy another house just so that we have the chance to be around her again. She is very upbeat, energetic, and optimistic.
Israel T. - March | 2019
Whether you've purchased a home before or not, Penny and Niki are where it's at!!! Talk about customer service! Never before in my life have I EVER been taken care of like I was by these two wonderful ladies with Guaranteed Rate! They were there for me through the entire process. Answering questions, going over forms, and working hard to make sure that not only was I getting the best deal possible on my home loan, but also, that I had the best customer experience around! If you're lucky enough to come across these two amazing people in your life.. Quit while you're ahead, because it doesn't get any better! 100% would recommend 100/10!! Thank you two sooooo much! My family and I couldn't be any more happy in our new home! Sincerely, Nicholas Taylor.
Nicholas T. | December 2018
Great experience, thank you very much for your help. You were prompt, courteous and flexible. A true gem in this world of outsourcing and corporate indifference.
Ann S. | January 2019
Whether you've purchased a home before or not, Penny and Niki are where it's at!!! Talk about customer service! Never before in my life have I EVER been taken care of like I was by these two wonderful ladies with Guaranteed Rate! They were there for me through the entire process. Answering questions, going over forms, and working hard to make sure that not only was I getting the best deal possible on my home loan, but also, that I had the best customer experience around! If you're lucky enough to come across these two amazing people in your life.. Quit while you're ahead, because it doesn't get any better! 100% would recommend 100/10!! Thank you two sooooo much! My family and I couldn't be any more happy in our new home! Sincerely, Nicholas Taylor
Nicholas T. - December | 2018
Difficult process made easy with incredible people.
Randy G., September 2018
I had a great team in Penny Charlson and her daughter Niki. They were both very nice to me from day one. I did see several Mortgage lenders and I was not impressed like I was with Guaranteed Rate. The difference was they were more personable and motivated to help as if I was a family member of theirs. I highly recommend Guaranteed Rate to anyone for their professionalism was the difference that makes them better!
Michael J. | September 2018
Great communication! Easy to work with!
Karla N. | September 2018
Received Penny's contact information from a coworker who had great things to say about Penny. Penny and her team did a fantastic job and made the whole process easy to navigate. Thanks again!
Steven D. | August, 2018
Penny and Nicole were great to work with and handled everything in a professional and timely manner. I felt like I was working with friends the entire time.
Nick P. | August 2018
Penny Charlson and Nichole Goeks made the mortgage process so easy for me. They answered every single question I had and walked me through the entire process from start to finish, which was very nice because this is my first time buying a home.
Drew H. - Milwaukee, WI | Nov 2023
Penny and Nicole were great to work with and handled everything in a professional and timely manner. I felt like I was working with friends the entire time.
Nick P. - August | 2018
They worked diligently to ensure things went smoothly.
Darryl S. - Menomonee Falls, WI | May 2022
Very knowledgeable, Exceptional Customer Service and timely every step of the way.
Janet L. - Fond Du Lac, WI | Jun 2022
Penny and Niki were so easy to work with and they stayed so positive throughout the whole closing event.
Merry G. - Oconomowoc, WI | Nov 2023
Penny and Niki were a phenomenal team to work with. They made the process easy and made the information accessible to me. I felt secure in each decision I made and felt that they were just as concerned as I was about making the right choice. I would highly recommend them to anyone I know who is looking to acquire a loan for a home purchase. They are THE BEST!
Byron G. - July | 2018
Communication, communication, communication. I was impressed how well the team at guaranteed rate kept me informed on what was needed, what was happening and what would happen next. Whether it was a phone call, email or quick text, I got the information needed to keep the process on track.
Jason H. - Watertown, WI | May 2022
Because our loan team made the process easy and smooth, and were always so friendly.
Bryan A. - Chicago, IL | Jun 2022
Penny and Niki were awesome and always available during the entire process
Jane F. - Delavan, WI | Jul 2022
Penny and Niki were wonderful to work with and so speedy and helpful throughout the house buying process
Caitlyn F. - Middleton, WI | Aug 2022
The customer service and help that Penny and Nichole provided was awesome. They made everything very simple.
Nicholas K. - Germantown, WI | Sep 2022
They stuck with me through a very hard time.
Betty C. - West Bend, WI | Nov 2022
Penny and Nicki were fantastic to work with!! They answered all our questions and gave detailed explanations to guide us through the process.
Gary W. - Elkhart Lake, WI | Jan 2023
They worked with us tirelessly and made the transaction very easy to understand
Brian B. - Saint Clairsville, OH | Mar 2023
Because Penny is great to work with.
Angela M. - Waukesha, WI | Apr 2023
Penny and Niki were fantastic to work with and answered every question we had, even outside of the normal questions.
Michael G. - Madison, WI | May 2023
Great at explaining everything, super helpful with all the next steps, and overall great customer service.
Samuel T. - Milwaukee, WI | Jun 2023
Responsive. Attentive. Good advice. Personal. Great rate.
Irina L. - Cedarburg, WI | Jul 2023
Because they made the process go by so smoothly and they were always there when I had any questions.
Juan L. - Fond Du Lac, WI | Nov 2023