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Ron Gardiner

Senior Loan Officer
465 Waverley Oaks Rd, Suite 202, Waltham, MA 02452
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NMLS: 12565
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TestimonialsCustomer testimonials Read more

From the moment my offer was accepted, friends kept telling me horror stories about their mortgage experiences. They told me getting approved for a mortgage would be a frustrating and tedious process. Couldn't not have been less the case with my experience with Guaranteed Rate, Ron Gardiner and his team. Once my purchase and sale was executed, my GR online account was populated with requests for all of the necessary documents. I uploaded them and GR did the rest. I was kept updated on the...

Amie K. - 11/30/16

Ron Gardiner and his team made the loan process easy for me. They answered all the questions I had and made the loan application experience a pleasant one. They were professional and sent me emails when it was necessary to have documents ready and signed. The ability to sign papers online was fast and efficient. I would recommend Guaranteed Rate Team to friends and family in the future.

Susan G. -Burlington, MA | MAR 2016

Ron, Margaret, and Amanda were great. They answered all of our questions almost immediately, got everything that we asked done, and were able to meet all of our deadlines with ample time to spare. We really appreciate all of the help they gave us with buying our first home. Thanks guys!

Andrew M. -Newton, MA | MAR 2016

Ron Gardiner and Margaret Nason were incredible. Their personal service and attention to detail were un-paralelled. You are lucky to have them on your team. If Incoukd give Ron a 10+ on the survey above I would.

Michael M - Arlington, MA | Feb. 2016

We LOVE working with Ron and Margaret! This is our second refinance with Guaranteed Rate, and the process was effortless and smooth on both occasions. We have refinanced with other companies in previous years, and the process was not easy or quick. Frankly, it was a nightmare. Ron's assistant Margaret is incredibly professional and efficient. Amanda worked with us at the end of our loan process on closing details, and was fantastic. Everything with Ron's team is done with a smile, some...

John C. - Belmont, MA | Jan. 2016

Honestly, it was a great experience. From the advance notice of a great opportunity as a homeowner to the timing of the rates, it was a perfect storm that was created for me by Guaranteed Rate. I can't thank them enough for looking out for my best interest. It's a Team of Honesty & Integrity through professionalism. Thank You!!!! Once again for looking out for me.

Jeff S. - Tewksbury, MA - Dec. 2015

Everything with Ron's team is done with a smile, some humor, lots of personality and minimal stress. Ron knows this business inside and out, and has helped us find the best product for our needs on two separate occasions. We absolutely look forward to working with them again the future.

2 of 2 - Maria and John C. - Belmont, MA - 1/2016

We LOVE working with Ron & Margaret! This is our 2nd refinance with Guaranteed Rate & the process was effortless & smooth on both occasions. We have refinanced with other companies in previous years & the process was not easy or quick. Frankly, it was a nightmare. Ron's assistant Margaret is incredibly professional & efficient. Amanda worked with us at the end of our loan process on closing details & was fantastic.

1 of 2 - Maria and John C. - Belmont, MA - 1/2016

Ron Gardiner and Margaret Nason were incredible. Their personal service and attention to detail were unparalleled. You are lucky to have them on your team. If I could I would give Ron a 10+ on the survey above I would.

Mike and Sarah M. - Concord, MA - Feb. 2016

Ron Gardiner & Margaret Nason were great to work with. Helpful, resourceful, and very attentive.

Emily R. – Dorchester, MA | June 2015

Ron Gardiner was excellent. Very knowledgeable and professional. A pleasure to work with.. as was his whole staff...

Albert W. – Holliston, MA | May. 2015

Ron was great! i will definitely come to him when i need to obtain a loan in the future. Ron, and his team were very friendly and easy to work with.

Alex M. – Quincy, MA | Mar. 2015

Hey check out the amazing review from Adam about Ron! “Ron and his team made me feel like I was in great hands throughout the whole process. They were always available, responsive and helpful! Ron professionalism was superb making me feel like a valued client! Thanks again Ron!”

Adam S. -- Framingham, MA -- 02/2013

About Ron

Ron Gardiner is a Senior Loan Officer at Guaranteed Rate which is the 8th largest retail mortgage lender in the U.S. This is a direct result of our low rates, exceptional service and cutting edge technology. Licensed in all 50 states, Guaranteed Rate is rated A with the Better Business Bureau, has a 96% customer satisfaction rating and funded billions of dollars of mortgages.

Ron has owned his own mortgage business for most of his career before first joining Guaranteed Rate in 2012. He is very familiar with all areas of the mortgage process from origination to closing. He has always believed in the team concept and credits his team for his success which has created thousands of clients. Ron's personal service and knowledge along with Guaranteed Rate's Digital Mortgage process has resulted in being a leader in the mortgage business.

Ron has strong ties in his hometown of Belmont, MA where he grew up. He currently resides in Medfield, MA with his wife and two children. He graduated from University of Massachusetts in Amherst, MA where he studied business.

Ron interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 1991. I was a realtor for a couple of years before this and felt my strengths were on the finance side of the real estate business.
Who is your typical customer and what questions do they typically have?
My clients are a range of 1st time homebuyers to investors that own multiple properties. Although the clients may have different levels of knowledge they all seem to come back to the timelines and the process.
How has the mortgage industry changed since you started, and what would you expect in the future?
I have been in the mortgage business for a long time and have seen a few different cycles. The biggest difference today from the past is the technology necessary and the compliance that we have to comply to. This comes at a large cost to be successful with a very strong customer satisfaction rating. Guaranteed Rate has strong leadership with a clear vision along with the commitment to invest in technology and that is why they are the company to work for.
What can borrowers do to insure a smooth mortgage underwriting process?
Submit ALL documents as quick as possible at the beginning of the process. This will make the closing go very smooth. When a borrower works with my team with this part of the process they always close smoothly.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy spending time with my wife and kids, which is usually at a hockey rink or softball field.

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