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CA - Rancho Santa Fe

Branch Manager: Norma Nelson-Wiberg
  • o: 858-346-2074
6108 Paseo Delicias, Rancho Santa Fe, CA 92067
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NMLS: 1451548
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TestimonialsCustomer testimonials Read more

Leo is very personable, friendly and helpful. He has the ability to "think outside the box" to find solutions that others might not think of. I appreciate that, especially when trying to make sense of confusing financial data that is vital to my future.

Tiffany B.

He is honest and trustworthy and will follow through on all requests and correspondences. A great guy to work with. He kept on top of all needed materials for documentation and was very easy-going. If the opportunity comes up again, I would definitely use his services and recommend them to anyone who asks.

Pam H.

Leo was very professional and responsive. He always responded to my messages almost instantaneously. He even responded to my messages when he was on vacation in Hawaii! I would definitely highly recommend him.

Steve T.

Leo Hefner is the best loan officer I have EVER worked with! He was helpful at every turn and explained my petty questions whenever I needed, within minutes most of the time! I have financed houses before, but never had the experience that Leo gave! He was absolutely the best finance officer I have had the pleasure of working with. If you are looking to finance your home, I would recommend Leo for your services if you want an easy, fast, pleasurable experience.

DeAnn M.

I did some research on several loan officers. I spoke with each one and after I made contact with Leo Hefner I knew he was the one that I wanted to work with. From the very first contact I felt at easy and knew that I could ask as many questions as I needed to so that I would be confortable with this refinance. He walked me through step by step letting me know what to expect next. It was such a pleasurable and easy experience I would have no problem recommending him to anyone. On a scale from 1...

Jenny B.

I just refinanced my house with Leo. When I first called, he explained the whole process very clearly and in detail. At every step of the way, I felt that I knew what was happening and why. The whole process was fast and painless. When it came time to sign the final papers, I was on vacation halfway across the country. Leo arranged for a local notary to bring the papers to my hotel so that we could get them signed right away. I highly recommend him!

Kent U.

Leo never stopped pushing to find the right loan. As many people know acquiring a house loan is a long and delicate process built to protect the bankers , investors, taxes payers. And consumers. Leo really helps get the process moving successfully and quickly.

Steve R.

Norma Nelson-Wiberg helped us get three loans on three houses within a three month period and it was wonderful working with her. Norma was very helpful in leading us through each step, keeping us informed and making sure we made all the deadlines on time. She is reliable and very available by phone and if she can’t answer right away she was quick to get back with us. We felt the final products for each loan were fair and right in line with the market. Norma was able to lock us in at some...

Kathleen and Lloyd M., Rancho Santa Fe, CA

Simply hands down one of the easiest processes I've experienced in regards to lending. With today's market and recent changes to home lending, I was expecting a lot more pain and anxiety. We closed on time and the process was smooth and enjoyable. Knowledgeable and friendly support from Grayson Adams and Susan Hagen from start to finish. I really felt taken care of, which was comforting and allowed for me to enjoy the process that much more. Already recommending and will continue to do so!...

Michelle M. -San Diego, CA | MAR 2016

Mark Oullette was friendly, knowledgeable, and patient! I am not a numbers person, and I felt very comfortable knowing that Mark was making the numbers work for me. Mark kept me informed pretty much daily, either by text or phone, and he was always willing to answer my questions. I was totally confident in Mark!

Bergith W. – San Diego, CA | AUG 2015

Norma Wiberg was instumental and went above and beyond what I expected. We are very happy with her professionalism and promt attention to our needs. We would highly recommend her to family and frieds. Thank you very much.

Joseph G. - Santee, CA | Dec. 2015

With Leo, customer service comes first, from my experience. He takes the time to answer questions, and explains options and possibilities clearly. I'd recommend him to anyone looking into mortgage or refinance options.

Cone B.


Here at Guaranteed Rate, we have a philosophy to “lend where we live”. We are dedicated to meeting all of your lending needs and are armed with a full array of loan products to do so. You will find that we strive for the industry leading value proposition for our loan officers, referral sources and customers at Guaranteed Rate, which is why we work by a set of Core Values. In our office, our priority is to put the customer first.

We are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. This is invaluable to both clients and realtors because it also allows clients to choose their own loan type, receive free credit scores from all three bureaus, securely upload and digitally sign your loan documents then receive a real online approval!

Our branch is looking to exponentially grow its production this year. So, if you're looking for new career opportunities, start with us! We hire the best of the best and are looking for new team members. Come grow with us!

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