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RI - Warwick

Branch Manager: Joe Roumelis
  • o: 401-884-1619
475 Kilvert St, Ste 110, Warwick, RI 02886
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NMLS: 786859
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TestimonialsCustomer testimonials Read more

My wife and I began working with Gardner when we purchased our first residence in 2007. His work is professional, credible, and reliable. He was able to secure us a competitive interest rate in a time of extreme market volatility. We have found his commitment to service outstanding, and as such we have used him on multiple occasions to refinance our existing loans. We have and will continue to recommend Gardner's work to friends and colleague.

Jason C.

Gardner has been very professional, creative and responsive in the 3 years that I have worked with him. I highly recommend him.

Rich L.

Gardner came to us highly recommended, and after working with him the recommendation was well deserved. Gardner was able to meet with my wife and I on a Saturday to discuss the new realities of the mortgage market after the credit guidelines were tightened. He was able to guide us into a realistic budget and provide us with a mortgage on a very tight closing time line. I would highly recommend him to anyone looking for a mortgage

Edward T.

Garnder is an excellent resource when looking to finance or re-finance your home. Gardner's vast experience with both residential and investment loans allows him to help his clients make informed decisions, not to mentioned that he is extremely easy to work with and has excellent follow up and customer service ... which is why he gets my client's repeat business!

Megan T.

Gardner is an excellent mortgage broker. He is extremely patient, detail oriented, organized and proactive. We bought during a difficult time when the mortgage rules were constantly changing. Gardner was very thorough and walked us through the process so we were educated buyers. We have since recommended Gardner to several friends who have had a great experience as well.

Ellen T.

As a part-time realtor, I am grateful for Gardner's advice and patience. I have consulted with Gardner for my own needs, as well as one of my clients. He has been very attentive and offers great products and service.

Patricia Z.

I recommend Gardner as a qualified professional who has the interests of the client at heart. He tells it like it is in a calm and relaxed manner that allows a client to relax and LISTEN to what they need to do to reach their financial goals. As a Broker who tends towards being a hundred miles an hour, Gardner is the perfect compliment to my business when it comes to clients finances and funding.

Laurie A.

Joe Roumelis was spectacular. Very calm, intelligent and knows his products. Kept me in the loop at every step. Got me a great competitive rate. Beat my bank where I had been doing business for 30 years. I would recommend Joe without reservation.

Jerry R. || 1/17/2017

Guaranteed Rate took a lot of the stress off my shoulders throughout the loan process. We loved how easy the digital mortgage was, and how convenient it was to quickly get everything we needed to our loan team. Joe Roumelis was also fantastic and very reassuring. Always had a quick thorough response and good attitude throughout.

Kaitlynn C. 4/14/16

Guaranteed Rate made my home buying purchase extremely easy! The entire process went smoothly thanks to the help of Joe, Tene, and their team. Thank you!

Ashley P. -Smithfield, RI | MAR 2016

I contacted Guaranteed Rate through a website called When I first spoke to my loan officer I laid out a challenging agenda for a large loan and a very short time period. Other lenders had told me that I would be able to get a loan but not in the time period or with the specifications I wanted. Guaranteed Rate heard my requirements, said they were challenging but would make every effort to meet my time frame. My loan officer and others involved reacted quickly to all of my...

Richard F. - Clifton Park, NY | Jan. 2016

I just want to thank Joe and the entire team. This was my first home purchase and they all made it easy for me. They were always there to answer any questions I had at any time. I will absolutely recommend them to anyone I know that is looking to purchase a home.

Gary H. - North Providence, RI | Jan. 2016

Joe Roumelis is absolutely outstanding. I had some various challenges in the process of buying a home and he was with me through every step and made everything as easy as possible. I can't express my appreciation for all of his help and patience with me!

Brittany R

Every single step of my refinance was done perfectly. Even when an issue presented itself, I was told immediately and was guided to a resolution. Job well done Joe! Well done and thank you!!!

Andrew C. – Smithfield, RI | Mar. 2015

You guys use the latest technology such as e-signature, and always kept in touch, fast responses, great people to work with, and very friendly.

Remmy V. -- 11/17/2014

Using Guaranteed Rate was awesome! Lyle MacLennan is the ultimate professional. He never lies or discourages you, but rather works with you to conquer and problem that might arise. I believe that the results were tremendous and would never use anyone but Lyle and Guaranteed Rate. I think of Lyle as a friend, because he went above and beyond to help me refinance, and this bettered my life and maybe saved my house. If everyone acted as proficient and professional, the world would be a better...

Bruce R. - 5/4/16

I have already forwarded the name along to family. I was more than happy with the experience and will continue to recommend. I thought one of the best parts was the ease of doing most of it through email and the to-do list was incredibly simple. Drag and drop is always easy.

Keith M. - 3/30/16

My purchase closing took place exactly on time under difficult conditions. I greatly appreciated the effort, especially since I was both away from home and mostly out of state during the entire application process. Thanks for making this happen.

Joe - 3/17/16

After working with several other lenders then dealing with Guaranteed Rate and especially Lyle MacLennan, the process was smooth and they made sure things were taken care of. Would highly recommend them again in the future and to anyone else.

Stephen E.

Lyle took his time to explain every detail of the process and was there every time I had questions. Lyle and his team were excellent!

Victor E.


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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