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CA - Roseville

Branch Manager: Matthew Cole
  • o: 916-241-3885
  • f: 872-206-4100
950 Reserve Dr, Ste 100A, Roseville, CA 95678
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NMLS: 1028435
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TestimonialsCustomer testimonials Read more

Mary Joe Payne is a real professional, and goes the extra mile. She made what would be a very difficult process relatively easy and we appreciated it!

Michael R. - Newcastle, CA | JUL 2016

Mary Jo Payne is a tremendous person and loan officer. I believe we were very important to her.

Henry B. -Newcastle, CA | JUL 2016

My loan experience was exceptional. Mary Jo Payne is an amazing professional with a friendly, personal touch! Guaranteed Rate shines through for me again!

Kyrsten S.-Rocklin, CA| MAY 2016

From start to finish, our loan officer Mary Jo Payne made this process easier for us. Mary Jo is wonderful to work with, very knowledgeable and helpful. Her team also was extremely helpful and detail-oriented. They helped keep our loan on track and we closed in a shorter timeframe than expected. Thanks again to Mary Jo and her team for excellent service~!

Daniel T - Auburn, CA | Feb. 2016

We cannot say enough positive things about our loan officer, Mary Jo Payne. She was/is always very pleasant and patient with us. She made sure we understood what was needed and why so there were no problems with the processing of our home loan. We were appreciative of her knowledge, expertise and thoroughness from the onset of our loan application to the closing of escrow. We will not hesitate to recommend her or Guaranteed Rate to friends and family. Thank You Mary Jo!

Michael M. - Modesto, CA | Jan. 2016

Mary Jo Payne did an excellent job in making this loan as painless possible especially with all the red tape.

JAMES C. - Granite Bay, CA | Dec. 2015

Mary Jo Payne was very helpful and informative, she worked well with the Realtor, and escrow officer, and we were able to close a VA loan purchase transaction in less than 30-days.

Kenneth S. – Auburn ,CA | June 2015

" Mary Jo Payne was very helpful in assisting us. We enjoyed her friendly personality and look forward to referring her to others in the future. "

Tracy G.– EL CERRITO, CA | June 2015

Mary Jo Payne is very professional and friendly!

Rodney K. -- 8/25/2014

Mary Jo is extremely professional! Her experience and knowledge in the field made both the application and approval processes pleasant experiences!

Linda Z. -- Grass Valley, CA 7/18/2014

Mary Jo made the entire experience very easy and continued to keep us informed. She made us feel like we were important and that she had our best interest at heart. We will refer her to anyone that is looking for a mortgage lender!

Philip K. -- Rocklin, CA 6/19/2014

Mary Jo was very professional and so very courteous. She was always extremely responsive to all our questions. She made the whole process go very smoothly. I'm very satisfied with the service level and professionalism.

Tina E. - Sunnyvale, CA 5/21/2014

“Mary Jo Payne is the missing link in mortgage brokering. Her professional attitude, quick response and smile made this as painless as possible. She was there during every step and didn't miss a beat. People are what make business work, and she is what made my experience with this company five stars. Thanks Mary Jo!”

Kenny C. – Cool, CA -- 4/2014

"Mary Jo was great to work with. She always had the answers we were looking for, quickly locked us in when we were ready and made us feel that she was working "for us."

Daniel R.-- Santa Rosa, CA. -- 5/ 2013

Kerri was fantastic. Guided us through the whole process with ease. We've already referred three other clients to Kerri and Guaranteed Rate. Very pleased.

Todd M. | December 2016

“Thank you, Mary Jo Payne, for all of your help and patience. This purchase was a challenge to say the least. With your help we made it happen! Thanks again.”

Bonnie N. – Lincoln, CA – 7/2013

Kerri moved us through this process so smoothly. The many twists, turns and curves were handled promptly and efficiently. She kept us informed and updated regularly throughout the process. We now own a wonderful home, thanks in part to the mortgage we were able to get and especially Kerri's service and expertise. Our thanks to all who made this happen!

David & Linda V. | October 2016

Kerri Habel was excellent. She was very easy to work with and always happy to help. She would answer questions with very professional interactions and answers. Very detailed oriented and helped with every step of the process. I would recommend Kerri and Guaranteed Rate to my family and friends for their future loans.

Raul D. | 09/02/2016

Great service provided by Kerri Habel and team. Excellent coordination and follow up. Thanks everyone, great job with my loan!!! I will recommend people to you. Thanks!!!

Marielos P. - 8/15/16

Kerri Habel was wonderful to work with, she was very professional and responsive. She also had great perspective that provided a personal touch. She would be the primary reason why I would recommend Guaranteed Rate to others.

Jeffrey R. - Funded 7/11/2016


At Guaranteed Rate, we have a philosophy to “lend where we live” and our office in Roseville has been originating loans in the Greater Sacramento area and Placer County since 2013. In our market, we know that Conforming Conventional, FHA, VA and Jumbo loans are important to you and we are not only dedicated to meeting those lending needs, but also are armed with a full array of loan products, so that we can meet all of your lending needs. We put the customer first and treat all customers like family.

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 is simple and secure. It 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!

Here in Roseville, we put the customers first, and love to reward our team for doing so. We even held a wine tour in the Auburn/Placer County area for our team. We’re also fans of the All American Speedway, located right in town, and love to cheer on the Sacramento Kings and River Cats Baseball!

While it is important that our office has fun and each team member loves their job, we also are dedicated to giving back. As an office, we participated in a can food drive for Placer County Food Bank. We love Roseville and are always interested in learning about new ways we can give back to our community!

Our branch is looking to grow its production through our engagement in the community. We hire the best of the best, so if you’re looking for new career opportunities, start with us! We are looking for team members that are compassionate and caring. Come join our team!

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