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MA - Waltham 307

Branch Manager: Rick Berardino
  • o: 781-788-9030
307 Waverley Oaks Road, Ste 409, Waltham, MA 02452
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NMLS: 895525
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We have obtained loans and refinanced loans with Rusty O'Dowd and his team many times. They continue to do an outstanding job from start to finish. We do not ever look anywhere else to meet our mortgage needs. We have recommended Rusty's team to many of our friends and family. They also have had a great experience.

Sheila S. - 2/24/16

Your team, Rusty, Tyran and the other team members, they were very responsive, answered every question, did everything they could to make a complicated process as smooth as possible.

Patrick M.– Dedham ,MA | June 2015

Russell O'Dowd is so knowledgeable and helpful. He and his staff made the whole process simple and easy. I hope he never retires as I do all my loans through him.

Carlo P. – Dedham, MA | Apr. 2015

Brian Tobin is the only loan officer I ever would work with. Brian and his team make this a very simple process. His experience, responsiveness and work ethic are second to none!

Kevin W. – Medford, MA | Feb. 2015

Rusty O'Dowd was outstanding! Rusty and his team made the purchasing less stressful for us and we were confident he would give us the best rate possible!

Giuseppe C. -- Littleton, MA 6/13/2014

"Guaranteed Rate was recommended to me by a trusted advisor. The team I was working with was amazing. I had a circumstance change due to the recent hurricane and the team responded and showed a flexibility and willingness to work with me and get the process completed. Brian Tobin and his team were Fantastic!"

Thomas D. -- Stoneham, MA. -- 12/2012

"I was very happy with the customer service that I received throughout this process. I'm very happy with my experience and would recommend Guaranteed Rate to anyone looking for mortgage information."

James C. -- Pembroke, NH -- 12/2012

"Rusty O'dowd and his team of mortgage experts were fantastic. They kept me update through the whole time, it was a very smooth process without a glitch during the entire transaction. Thanks, you guys were the best!

Andrew L. -- Londonderry, NH-- 6/ 2013

Bill was excellent! He made the process very easy and kept us informed along the way. I will absolutely recommend him to others.

Hayley M. | June 2018

"Brian Tobin is a professional mortgage officer and it showed during the process with honest information, quick response to any questions we had, understanding of customer's needs, quick turn around and closing. It was great!"

Yelena G. -- Marblehead, MA. -- 6/2013

Hey, check out this amazing review from Aravind about Hong! “We had a great experience working with Guaranteed Rate! Hong Geng is the best. I highly recommend her for Massachusetts residents looking for a home!”

Aravind S. --- Westford, MA --- 5/2013

"Brian and his staff were amazing. They were on top of collecting all pertinent information and replied to emails or calls in a timely fashion. The staff was a pleasure to work with and kept the process quick and easy. This was one of the smoothest purchases I've made, no hiccups along the way!"

Mark C. -- Dracut, MI. -- 7/2013

Jim Brown was so helpful! I will be recommending him to all my family and friends. Jim made buying the most expensive purchase of your life less stressful!

Matteo L. | May 2018

Rusty O'Dowd was excellent to work with and was his staff. Good rates and great service!

Paul A. - Nov 2012

Hey check out the amazing review from Lin about Hong! “I have obtained my mortgage and also refinanced with Hong Geng and her team a few times. Each time the experience was excellent! The refinance rates were incredible and the closing process was swift and easy!

Lin G. -- Newton, MA -- 01/2013

“We recently applied for a mortgage from Guarantee Rate. We had the great pleasure to work with Li Li. She was very professional, responsive and knowledgeable. She has made the whole process as easy as possible. She helped us to lock the best available rate. She was always available whenever we needed her help. We will strongly recommend Li Li without any reservation!”

Xiaodong T. – Sharon, MA – 9/2013

Rick/Rusty and his team are very knowledgeable, accessible and efficient. Already used them for primary home loan, refinance, and secondary home loan.

Andrew M. - Middleton, NH | Nov. 2014

“Don Carey did a great job in prepping me to get paperwork done early in the process and it helped me so much in gathering the paperwork and then getting the detailed paperwork in order. The whole process was very good, speedy and not complicated. Don and his team were great!”

Ann K.

Everything went great! Rusty, Patrick and the rest of the staff were very nice. They all had patience and took the time to explain the steps to me, as this was the first time I purchased a home.

Katie T. - Pepperell, MA 8/2012

Hey, check out this amazing review from Peg about Jim! “Jim Brown and his team made this the easiest refinance and best deal yet! I was looking to lower my rate/lower the years of my mortgage. I spoke with several companies and not one offered the deal I got with Guaranteed Rate. We got a great rate with no points / no closing costs - win/win all the way around. The process was quick, painless and one of the best experiences I've had in dealing with a finance company. I would highly...

Peg W. – Hudson, MA – 5/2013


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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