Rob Wishnick

Vice President of Mortgage Lending
1500 Walnut St., Suite 803, Philadelphia, PA 19102
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NMLS: 146422
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Great experience - team made sure to answer questions quickly, help me get through to closing with no issues

Elizabeth C. | July 2018

Great experience - team made sure to answer questions quickly, help me get through to closing with no issues

Elizabeth C.

Thanks to GR, my partner and I had a seamless and efficient loan application experience. The fact that we both were on the loan was not a problem and we felt very respected. The application was conveniently electronic and the team was very polite and sent handy reminders when paperwork needed addressing. The Settlement Meeting for the purchase of our home was not stressful and our GR Officer was present and explained all the paperwork very well and made it a comfortable and confident...

Rebecca C. - June | 2018

Thanks to GR, my partner and I had a seamless and efficient loan application experience. The fact that we both were on the loan was not a problem and we felt very respected. The application was conveniently electronic and the team was very polite and sent handy reminders when paperwork needed addressing. The Settlement Meeting for the purchase of our home was not stressful and our GR Officer was present and explained all the paperwork very well and made it a comfortable and confident...

Rebecca C. | June 2018

Thank you for your professionalism and your reliability, and for helping us with such limited time.

David H. | May 2018

I was doing a 30 day close and nervous about how quickly my loan would have to come together. Everyone as Guaranteed Rate was very responsive and quick. I was able to get my loan well within the 30 days and am a happy new homeowner!

Christina V. | April 2018

Our team at Guaranteed Rate was more than helpful. Rob Wishnick is the best there is. He responds to all questions quickly, regardless of time of day and encourages you through the sometimes stressful process of buying a house.

April O. | May 2018

Rob Wishnick and his team were great. The process was smooth and successful. Thank you for a well done job!

Simona W. | May 2018

Rob Wishnick was great! He was incredibly easy to work with, very clear about what steps needed to be completed and extremely responsive. He was recommended by a friend and we are very happy with his services and will recommend him in the future.

Lea S. | April 2018

The rate was competitive. The process was transparent and easy - the team was super collaborative. What more can one ask for? I'm recommending to all my colleagues.

Deepa M.

What can I say, these folks just nailed it for us. We're first time homeowners and we rent in Silicon Valley. I'm from Philly and my dream was to own a home here in South Philly. The dream felt unreachable until I started working with you folks. You made my dreams come true, you worked hard for me and were kind and understanding during the ENTIRE process. I really don't have enough words to say here. Thank you. Thank you. Thank you. Rob, Paul, and Kristin are fantastic human beings...thus they...

Andrew O. - Philadelphia, PA | SEPT 2016

The whole team was very efficient and outlined everything I needed to do very clearly. Rob also was very clear and moved things along during my settlement.

Meredith S. - Philadelphia, PA | JUL 2016

The online application and process of uploading requested docs was streamlined and incredibly efficient. My loan officer Rob Wishnick is extremely professional and an absolute pleasure to work with. When someone asks if I have a lender I can recommend, I only give them Rob's name!

Michelle A. - Philadelphia, PA | JUL 2016

Rob did an excellent job throughout the entire process. His communication and level of service were paramount and made the entire home buying process a pleasure.

Brett S. -Philadelphia, PA | MAR 2016

Rob and the entire team were awesome!

Nicholas S. – Philadelphia, PA | AUG 2015

Rob was great

Zak G. – Ocean ,NJ | June 2015

Rob did an excellent job walking us through the process and making sire we had all of the information we needed in a timely fashion.

Eric G.– Cherry Hill, NJ | June 2015

Rob Wishnick was great to deal with. He answered all our questions and was as professional as they get. Would certainly recommend him and Guaranteed Rate

Joshua L. – Philadelphia, PA | Apr. 2015

About Rob

Licensed in Pennsylvania and New Jersey and a 2011, 2012, 2013, 2014 and 2015 Philadelphia Magazine Five Star Mortgage Professional Award recipient, I place customers into the most favorable mortgage programs for purchasing and refinancing primary residences, second homes, and investment properties. Highly proficient in Conventional, FHA, and VA financing with a keen understanding of underwriting guidelines in this ever-adapting lending environment.

Driving my success and my customers' continued satisfaction is my thorough analysis leading to the most sound financial decision, my well-organized and systematic approach to ensure a smooth transaction, and my representation for my customer as if the transaction was my own. Now in my 14th year in the mortgage industry, I still truly enjoy seeing my clients' excitement at closing when they receive the keys to their new home.

My degrees from Pennsylvania State University in Finance and an MBA in Accounting from Temple University eventually guided me to the home financing world.

I love spending time with my wonderful family, watching Philadelphia evolve as a world-class city, and anything baseball.

Rob interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
As a future homeowner, budgeting plays a critical role in the largest purchase you will ever make. Often times, mortgage guidelines allow for borrowers to qualify for more than they are comfortable spending. However, this doesn't mean that is the suggested amount to spend. As the borrower, you know best the lifestyle you want to live-vacations, hobbies, entertainment, etc. There are three questions you must give thorough analysis to in the home buying process: 1. What monthly payment will I be comfortable with for my housing expense? 2. How much cash would I like to use for this transaction? 3. How long do I plan to own this property? The answers to these questions will really help your decisions when making this major purchase.
Tell us about a mortgage product that consumers may not be aware of?
I have been a proponent of Lender Paid Mortgage Insurance (LPMI) for years. When making a down payment less than 20%, most programs will require Private Mortgage Insurance (PMI). PMI is insurance that you pay to protect the lender in the event that you default on the loan. The traditional method of paying PMI is to pay a monthly premium, effectively increasing the overall monthly payment. One important question I ask every client is what the goal is for the property being purchased. This answer, as well as other qualifying criteria , will help us best determine which program best fits your needs to meet your monthly payment and financial goals.
What can borrowers do to insure a smooth mortgage underwriting process?
Planning goes a long way. It is never too early to speak to a mortgage professional about your information and what to expect. I ask the important questions to help avoid any setbacks during the entire process, and work diligently to make sure your needs are satisfied. Some home shoppers have additional planning to complete before signing a contract to purchase a home. I help advise and guide you towards making the right steps to achieve your goals.
What provides you with the most satisfaction in your job as a Loan Officer?
Settlement day! Crossing the finish line with you and sharing in your achievement is what I truly take pride in. Our Digital Mortgage is such an incredible tool, and with so many borrowers preferring to complete the mortgage process electronically, it's a pleasure to attend the closing and meet you.

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