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Rick Mikel

Vice President of Mortgage Lending
2530 Meridian Pkwy, 2nd & 3rd Floors Offices 2057 & 2059, Durham, NC 27713
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NMLS: 225681
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TestimonialsCustomer testimonials Read more

Rick was a pleasure to work with through my first time buying and financing a home. I started the process with QuickenLoans only to find out that they were charging me extra points for an average interest rate. After my offer being accepted, I was scrambling to find another lender who wasn’t going to take advantage of a first time home buyer. Rick was recommended to me, and he really saved me (and the rest of my hair from falling out)! Not only did he offer me a lower rate and no points,...

Lauren E. Chisholm

No other lender was as knowledgeable or friendly! Rick and his staff were amazing.

Andre F.

Rick Mikel and his team were incredibly helpful and easy to work with. I would highly recommend them to anyone who is looking to buy or refinance.

Darrius W.

The service provided by Rick and his team was fantastic. They kept us in the loop through the entire loan process. They gave us guidance where needed and answered all of our questions.

Nirmal P.

We did our For Sale By Owner transaction with a VA loan through Guaranteed Rate, and they were phenomenal! Guaranteed Rate helped make the process simple and we were able to complete the transaction in less then 45 days. All that, and they had the best percentage rate in the market. Thank you!

Matthew L.

Rick Mikel and his team were a delight to work with. They kept me updated every step of the way and went above and beyond throughout the whole experience. I will recommend them to anyone I know looking for a mortgage. Thank you Rick, Erin, Cath and crew!!!!!

Carrie M.

Rick and team were fantastic. Very friendly, professional, and personable. They were quick to respond, follow up, and answer any and all questions that we had.

Donald W.

Rick Mikel's team was the best bar none hands-down!!! Wish more people had fantastic attitudes like him and his team did. Heard horror stories about other financial groups - none of that was here. Him and his staff went way above and beyond for me and I just can't say enough positive things about them. I'm a very stubborn person and not easy to get along with. I never had a problem with him. Just fantastic - fantastic is all I could say I will recommend them to the day I die.

Christopher S.

The whole team was excellent to work with -- they were all prompt, helpful, and professional. I would highly recommend them to anyone.

Brandon S.

Rick Mikel's team did a great job from day one through the funding of my loan. They were on top of things and responded quickly to any question that I had. The online system made providing documents a breeze. I would not hesitate to recommend Rick and Guaranteed Rate to all of my friends and family.

Rebekah S.

Rick Mikel and his staff worked extremely hard and kept me informed throughout the process. Very pleased with their customer service and professionalism.

Larry L.

Rick Mikel and his team are the dream team. I felt cared about and informed since Day 1 of the mortgage process. Rick was always extremely prompt in returning calls and emails. I was beyond impressed with Rick and his team’s strong work ethic and professionalism. I was a first time buyer and felt guided and educated along the way. Buying a home can be stressful; I was able to feel at ease knowing I was in good hands. Rick provided us worksheets to help determine our best mortgage option....

Kelly W.

Rick Mikel and his team were amazing!! I had a million questions that I thought for sure would've annoyed them but they were very helpful. It was my first house and they made this process super easy! Thank you Rick Mikel, Laurissa, Cath & team! You all have made my dreams come true!

Ashley S.

I want to say Rick Mikel and his staff made this process easy for my husband and I. They made us feel comfortable to ask as many questions as we needed. They were amazing on getting back to us and responding to all our questions or concerns. They made us feel like family. We couldn't ask for better service and I would highly recommend Guaranteed Rate to all my family and friends with no hesitation. They are trustworthy, honest and make you feel comfortable through this whole process. Thank...

Daniel V. - Plainfield, IL

"From the first contact with Rick Mikel, the whole mortgage application process was exceptional. His Team kept us advised on the status of our application and were excellent in communicating their needs with us. They followed through on every step in the process. If needed, we will use Guaranteed Rate again for our mortgage services. "

Daniel V - Naperville, IL

Rick, Dawn and Laurissa were all wonderful. They made my mortgage experience a wonderful one. I couldn't ask for an easier process. I have just two words "Thank you"!

Javon B. - Durham, NC

Rick was kind, helpful and always there to answer all my questions...and never made me feel silly for asking what I was sure were ridiculous questions! :)

Donna C. – Raleigh, NC

Rick Mikel was very attentive & helpful to me, he immediately sent me suggestions on how to improve my credit score. Rick answered any questions I had right away, didn't matter what day or time it was. We were very content with him as well as his staff, Laurissa Sigmund, Dawn Dickenson & Catherine Kline...I am so glad my realtor Nancy Konrad sent me to Rick.......Great team! Very comfortable experience...........We are so happy, thank you!

Paula C. – Wheaton, IL

Rick's team once again knocked it out of the park. I refer everyone I know to Rick and will continue to use for any future needs! Thanks team!!!!

Michael R. – Fuquay Varina, NC

Rick Mikel was great to work with throughout the whole process. He made me very very comfortable that everything was going to workout even with some of the bumps we experienced.

Joseph L. -- Westchester, IL.

The team that worked with us was very helpful, friendly and made sure I didn't have to worry about closing. They were very thorough and professional but most of all, very approachable with my questions and concerns. Rick was awesome!

Quincy W. -- Wilson,NC

Rick and his team made it a breeze. Guaranteed Rate had competitive rates and fees and it didn't hurt that they are very good at what they do. They kept lines of communication open letting us know what items are needed to move forward with each step and answering our questions. I'll be recommending rick to everyone! Thanks Rick.

Judith M. -- Boiling Brook

Hey, check out this amazing review from Bob about Rick! “We had a great experience working with Guaranteed Rate and Rick here in Elgin! Thank you for everything.”

Bob J. – Elgin, IL

Rick Mikel and his staff were excellent from start to finish. Could not ask for better support, timely answers, coaching through the loan process and "signing day" help. Couldn't have done this without them.

Casey T.- Winterville, NC

Considering some financial issues from my past, I was pleasantly surprised by how easy Rick Mikel, Dawn Dickinson, and Phyllis Hinson were able to make this process on my wife and I. These individuals certainly explored every possible option/avenue for us, and in the end helped us obtain a fantastic interest rate and a mortgage product that fit our wants/needs. Rick went well ABOVE AND BEYOND to make this a good experience in the long run… In my opinion, a company is only as good as its...

David P. Raleigh, NC

About Rick

I have been a residential mortgage loan officer since 1990. I first became a mortgage loan officer because I enjoy helping people find creative and economic solutions to their mortgage lending needs to buy and refinance their homes. I take great pride in providing exemplary customer service and being available at times when other lenders are not. When not working I can be found spending time with my beautiful wife Allison and our two children Madison and Luke.

Rick interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been a mortgage loan officer for 22 years helping people purchase and refinance their homes. I was inspired to get in to the industry by seeing how gratifying it was to help people with their mortgage lending needs. Whether they are a first time home buyer or building their dream home, I really enjoy finding mortgage solutions to help my clients.
Who is your typical customer and what questions do they typically have?
I help clients of all types finance and refinance their homes. I help everyone from first time home buyers looking to buy their first home to move up buyers building their dream home. Military veterans looking for VA financing or people looking to just get the best interest rate and service when refinancing.
What advice would you give new or first time home buyers?
Purchasing and financing your first home can be confusing and stressful. Be sure you are working with a professional that will be there for you when you truly need them to help you navigate the home mortgage process.
How has the mortgage industry changed since you started, and what would you expect in the future?
There was a period in the mortgage industry when banks would make exceptions in common sense situations to help clients obtain a mortgage. These days are long gone. Now every situation must fit in a box. The question now is what financial institution will the loan fit best with. So working with a company that works with a large number of financial institutions has advantages in today\'s market place.
What part of the home loan process do customers find most difficult and how do you help them through it?
The lending process in general is more rigorous these days than it has been in years past. I try to explain this and prepare my clients for the amount of documentation and scrutiny that is required to secure a mortgage these days. It is important that we get complete information back and in a timely manner to help expedite the underwriting process.
What can borrowers do to insure a smooth mortgage underwriting process?
Making sure that you provide everything that is requested of you from your lender as promptly as possible during the loan process is vital to your mortgage loan approval and closing going smoothly.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I am not working I really enjoy spending time with my beautiful wife Allison and my two children Madi and Luke.
Tell us something that makes you unique or something wacky, yet interesting about you?
I really enjoy spending time watching cartoons with my kids.

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