Pro To Know | Guaranteed Rate Mortgage

Peter Chawaga


With Cutting-Edge Technology And Passionate People, Guaranteed Rate Is Lexington’s Best Lending Partner

It’s clear that the Lexington area’s real estate market is becoming as competitive as any in the country.

This summer, the median list price of homes in the region had grown by 3.9% since the year before. And the Lexington-Bluegrass Association of Realtors recently estimated that the average time a home is on the market here is a mere 36 days, down dramatically from a 59-day average a year ago.

It goes without saying that those who are seeking a new home in this market are faced with daunting prospects: low inventory, rising prices, and a landscape of eager lenders who might not have their best interests in mind. But then there’s Guaranteed Rate, a lender that does things differently to put its clients in a position to secure their dream homes.

Guaranteed Rate began 20 years ago, at a time when the mortgage industry was entirely set up for the lenders, at the expense of people who were just trying to buy a home. It wasn’t right, so this company flipped the industry on its head by putting the customer first. For Guaranteed Rate, everything was – and still remains – all about providing a better experience for the customer.

And this approach is valued by customers now more than ever, as Guaranteed Rate’s combination of proprietary technology and human touch puts them in a beneficial position, even in this competitive market.

Guaranteed Rate designed a unique “Proactive Mortgage Pod” model that surrounds each of their top-performing loan officers with his or her own team of highly-trained specialists, streamlining the process for customers through state-of-the-art data and communications technology. Every loan moves faster. Every customer is happier. By simplifying the loan process, hiring only the best of the best employees and developing cutting-edge tech, Guaranteed Rate can bring both low rates and the highest level of service to every customer.

Guaranteed Rate enables team members like Mitch Florence, a vice president of mortgage lending and a certified renovation specialist, to lean on their unique life experiences and passions to guide clients through what will likely be one of the most important investments of their lives.

“I am a Lexington native and love the ‘small city feel with big city opportunity’ that’s available here,” Florence said. “I believe we have been lucky to grow up in Central Kentucky, a region that has experienced very positive growth in recent years and hopefully has much more to come.”

Florence offers clients a wide range of lending product knowledge and experience, and he regularly partners with other industry professionals to foster relationships and grow businesses. He also brings the positive and hardworking attitude that he has adopted throughout his life to his lending work.

“I tell both of my sons that you can control two things: effort and attitude,” Florence explained. “I would tell anyone engaging on a new business venture to believe in themselves and trust the process. You’re going to go through some rough patches but if you believe in what you’re doing and put in the effort, it will be worth the growing pains.”

Though he’s quick to highlight the many unique benefits of living in Lexington, Florence noted that he hopes the area iterates toward policies and programs that can help more of its residents realize the benefits of home ownership.

“I would love to see improvement in financial literacy and affordable housing in Central Kentucky,” he explained. “Both concepts are going to be topics of discussion for years to come, but I would love to see improvement both in Central Kentucky and the state as a whole.”

Josh Harman, a vice president of mortgage lending at Guaranteed Rate, was also born and raised in Lexington, and started his mortgage career in 2003. With personal values that inform his work for clients, he’s a perfect fit for the company’s team.

“Buying a home is not just something you should do because it’s the American dream,” Harman said. “Buying a home is typically the biggest investment you make, so it needs to be the right move for the client.”

Harman’s advice to colleagues within the lending industry demonstrates the qualities that have propelled him and Guaranteed Rate to success over the last two decades.

“Surround yourself with like-minded people and reach out to trusted folks who have been in your shoes for advice,” he recommended. “Be consistent, persistent and, most of all, take great care of your clients.”

With a motto of “have fun and play hard,” Harman works with a blend of diligence and genuine enjoyment for what he does. It’s an approach to work and life that he credits to his upbringing.

“My parents taught me how to work hard and be caring,” Harman said. “I love spending quality time with my family and friends. I enjoy watching baseball, University of Kentucky sports, tent camping and boating at Kentucky lakes.”

Ultimately, the personal qualities of its team members as well as its combination of personal and tech-driven offerings has given Guaranteed Rate the opportunity to exceed expectations for its clients in the Central Kentucky region and beyond, despite a challenging market.

“We understand that choosing a mortgage is the biggest financial decision of your life, and we’re committed to making the process as seamless, friendly and financially valuable to you as possible,” Harman concluded.

Mitch Florence 859-533-0764 NMLS: 1255884

Josh Harman 859-248-6389 NMLS: 339904

Guaranteed Rate Mortgage NMLS: 2611
Equal Housing Lender
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