Demystifying Myths
for the First Time Home Buyer
for the First Time Home Buyer
You’ve waited a long time and now you’re considering purchasing your first home in Colorado. But you’ve heard so many opinions that you find yourself wondering, “Can I really do this?” Or, “Is now the right time?”
The Brian Manning Team wants to demystify some common myths about getting a home loan in Colorado and set your mind at ease so you can proceed with confidence.
Myth #1
I don’t have enough cash to put 20% down so I can’t buy.
Truth: The minimum down payment is 3%. The Brian Manning Team can help you access down payment assistance when you want to purchase a home in Colorado.
Myth #2
I have student loans so there’s no way I can qualify for a mortgage in Colorado.
Truth: Having a student loan does not prohibit you from buying a home. Most people still qualify. It’s worth having an introductory conversation with a member of The Brian Manning Team to explore your options.
Myth #3
If I buy a home in Colorado, it will cost me more than if I rent.
Truth: Your mortgage payment may be within your budget and/or similar to what you’re paying for rent right now. When you rent, you’re paying someone else’s mortgage. When you own, you build equity and wealth in Colorado real estate. Ask a member of The Brian Manning Team to run a “rent vs. own” calculation for you and let the numbers speak for themselves.
Myth #4
The loan process takes 60 days, that’s too long for me to wait.
Truth: You can get pre-approved for a home loan in one day. Typically, the home buying process can be completed within 30 days.
Myth #5
I can’t afford a home in the Colorado market.
Truth: Whether you want to live in Boulder County, Castle Rock, Denver, or elsewhere along the Front Range, getting pre-approved for your home loan before you begin your search helps you move from speculation to actual, factual answers about what you can afford in your area.
I'm a first time home owner and it was really scary to get such a large loan. Brian and his team really helped us understand the process and it was less scary than anticipated. Brian and his team are a well oiled machine recommending different folks for us along the way. We were very impressed to say the least. Haha.
mai anh nguyen
22:32 25 May 22
Brian Manning and his team were attentive, offered competitive rates and helped us close on our house within a short time window! Brian was always there to answer our many questions as first time home owners-- whether that be in the evening or Saturday afternoon. His team is clearly very experienced in the greater Denver market, and I would recommend them to anyone!
Maureen Hoen
02:31 06 May 22
From start to finish Brian and his team were attentive, communicative and exceeded our expectations. His assistance made us competitive in this crazy real estate market and we secured the home we really wanted. Would highly recommend
Dana Karp
23:25 05 May 22
Brian manning is one of the best people I’ve ever worked with in the mortgage industry. My last home purchase was not my first, but it was my first with Mr. Manning and guaranteed rate. I can however, “guarantee” it will not be my last. Brian and his team bent over backwards and did everything in the world to help me purchase my dream home at an unbelievably low rate and incredible terms, which was far better than any other company I shopped around for. I can assure you that you’ll never find anyone more motivated and genuinely concerned about helping you close your loan, whether it’s your dream house or an investment property… both of which they have helped me realize. 5 Stars!!!
Amida Frey
15:47 05 May 22
My wife and I had an amazing experience working with Brian and his team! Brian was extremely responsive no matter the time of day and very patient with us over the course of several months while we searched for our next home. He was transparent, communicative, and very organized. The process was smooth from start to finish and we'd highly recommend him to anyone looking for a home mortgage. His market updates are also very insightful and demonstrate his expertise and passion in his field. He truly went above and beyond and we're grateful to have worked with him.
Malcolm Gibson
01:07 05 May 22
Brian Manning worked with us on our new mortgage every step of the way and was transparent and communicative through the entire process. We closed on time without any hiccups. I highly recommend them!
Christina Sfedu
03:40 03 May 22
The Brian Manning Team was very customer serving and the experience was seamless from start to finish!
Peggy Penberthy
01:37 02 May 22
Buying a home can be daunting and stressful, but Brian Manning and his team made it easy. They delivered on their promises and my wife and I couldn’t be happier!
Jason Bateman - My Costa Rica
15:15 30 Apr 22
Really great experience with the team. They made the home buying process smooth and easy.
Brian Karp
15:28 25 Apr 22
Brian and his team came highly recommended from more than one source, and for good reason! They were awesome to work with. At every step of the process, they were organized, diligent, and thorough. Brian was available at all hours and answered our many questions. He and his team were forthcoming with information, which we really appreciated since we were new to this market. Would definitely recommend and hope to work with Brian again in the future!
Ashton
21:13 19 Apr 22
I had a very great experience working with Brian Manning and team. They guided me through the process and answered my questions as needed. Everything was professional and smooth. Would highly recommend!
Mike Walsh
21:26 18 Apr 22
Brian and his team made our mortgage application process incredibly smooth. He and his team were always happy to jump on the phone seven days a week to answer questions big and small. I would highly recommend Brian and wouldn't hesitate to use them again for a future loan.
Ryan Brown
01:47 13 Apr 22
Brian and his team were great to work with. Super responsive, very knowledgable, and always kind and helpful.Thanks again!
Kyle Hamilton
22:15 31 Mar 22
I don't involve myself in financial transactions like re-financing a mortgage every day, week, or even year. So I was very cautious and a bit skeptical in pursuing my recent mortgage re-financing. I searched and read up on at least four companies involved in this sort of thing including the bank who held the mortgage for at least the last 12 years. Guaranteed Rate and the entire Brian Manning team emerged as my vendor of choice for my re-fi. Each and every member I had the occasion to speak with was clear, concise and friendly. Brian even answered a direct call from me more than once. They made this unfamiliar and, at times mysterious, process seem very doable and from the first contact to the last handshake at closing, it was a pleasure doing business with the Brian Manning team and Guaranteed Rate. I cannot recommend them enough. The experience was so smooth and clear that I'm now find myself thinking of other ways I can work with them in the near future.
daviedog
17:01 23 Mar 22
Brian and his team helped us through the process of re-financing our house and were very efficient and responsive when a need came up to clear matters or to make the burden of submitting documents lighter After closing we could have not been happier: Brian had helped us to get super good loan conditions and now the house is safely financed and we can enjoy it!
Paolo Fanti
00:09 18 Mar 22
We had a seamless experience with the Brian Manning Team. They were highly accessible for all our concerns and closing was a breeze!!
Andrea Wilson
23:14 17 Mar 22
Brian and company were great to deal with. everything went pretty smooth. Very happy to deal with a group that answered all questions fast. would recommend Brian and staff to anyone .
Mark Wilson
22:55 17 Mar 22
Brian and his team did an amazing job. Because he was able to pre underwrite us we were able to close on our new house in two weeks. They were with us every step of the way, and even when we had questions his team was able to answer them in a timely manner. If it wasn't for Leeann Perea our realtor, we would not have been introduced to Brian and his team. Closing was so easy because everything was taken care of beforehand. I will recommend Brian and his team to anyone who is looking to buy or refinance a home.
Tim Deneau
02:27 16 Mar 22
Working with Brian and his team was great! My husband and I just purchased our first home and Brian made sure he was accessible to answer all of our first time home buyer questions ( which we had a lot of). We greatly appreciate all of his help and would recommend him and his team again!
Lauren Michelle
21:31 07 Mar 22
Through a long and challenging transaction, Brian Manning and his team helped me every step of the way, and efficient provided my mortgage with a minimum of hassle. Highly recommend this lender.
Eric Frans
03:44 05 Mar 22
Brian and his team are communicative and efficient! They helped demystify the home buying process and made it as simple as possible. They were all available to me via phone, email, or text -- however I preferred to communicate, they were responsive. I also appreciated the flexibility provided; I was able to accomplish my tasks up through the signing process online as I had time. Great team, and I'll continue to recommend them to my friends and colleagues!
Jenny Lane
23:19 03 Mar 22
Brian Manning and his team were amazing throughout the process of my husband and I buying our first home. They were always available for any questions or concerns (we had a lot of them being first-time home buyers!) and we always got quick and thorough responses. Choosing Brian and his team was one of the best decisions we made in this process and we would highly recommend them to anyone looking for a mortgage lender.
Ruth Mueller
21:22 04 Feb 22
Working with Brian and Mark from Mortgage Master was a very pleasant experience. I appreciated the weekly update calls as I always knew where things stood with my mortgage. I also found the rate to be attractive and the closing costs to be sensible. Thanks gents!Follow-up: I did a second transaction with Brian and his team in 2022, now at Guaranteed Rate. They still got it! Thank you!
Kevin Gravina
21:30 01 Feb 22
Automated, seamless and easy! Brian and team are true professionals and made refinancing our home painless. The communications were straight forward and timely. The icing on the cake was having someone come to our home (masked and courteous) at a time that worked for our family to sign the final paperwork. If your shopping for a great mortgage lender you've found your team!
Myria Crawford
22:43 27 Jan 22
Brian and his team were extremely helpful for my wife and me as we bought our first home. They were always there to answer any of our questions and put our minds at ease. Brian worked closely with our realtor to make sure we understood what we needed to do to keep the process moving from pre-approval through going under contract and finally closing. One thing that I really appreciated were the quick monthly payment estimates Brian created for us if we were strongly considering making an offer. This helped us make the final decision since monthly payment affordability was critical for us. The online portal was intuitive and any tasks were promptly sent to our emails. I would definitely recommend using them if you need a home loan.They go the extra mile to make their clients happy. We really appreciated the extras we received for closing with them - we loved the housewarming gift! Thanks!
Mike Mueller
18:44 25 Jan 22
Brian did everything he said he would do, from start to finish. His intersest in the process never wavered. You can really tell he loves his job and the people he serves. I'd like to give a special shout out to Amber Wisden on his staff. Her attentive nature and professionalism is unparalleled. Both Brian and Amber made the entire process smooth and without unwanted distractions.I hold everyone accountable in this process and Brian and Amber exceeded my high expectations.
matt skinner
19:20 19 Jan 22
Very responsive, friendly, and accurate. Great experience working with Brian and his team!
Jack Thuet
00:50 14 Jan 22
Brian and his team were great to work with, we highly re omens Guaranteed Rate!
Tawnee Buhler
22:38 12 Jan 22
Brian Manning and his team are the GOAT of the mortgage industry! We first met Brian in 1994 when we purchased our first home at the age of 21 and here we are 30 years later still leaning on his expertise and service delivery! Personally I have never met a more honest, transparent, professional, amicable and caring man and mortgage broker in my life! He cares about the whole person not just selling you a mortgage! He’s also an educator who desires individuals to understand their credit and encourages financial freedom. He could have sold me ketchup popsicles and I would have bought them BUT that’s it, Brian is not trying to sell you anything that doesn’t benefit you and your family! It is that amazing quality and genuine care for others that keeps us going back for each house purchase or refinance! Do yourself favor, if you’re shopping around for a mortgage broker, stop your search and choose Brian Manning and his team! You’ll never worry again and you’ll forever have an advocate in your corner!
Zenaida Matos-Fisher
23:20 10 Jan 22
What a great experience. I would recommend them! Easy and fun people to work with.
Melissa Enneking
16:53 08 Jan 22
If you are looking for seamless experience from start to finish, look no further than Brian and his tenured team. They worked diligently to ensure that our home closed on-time and answered any and all of our questions along the way. For a five star experience, pick The Brian Manning Team to support you in your next purchase!
Madison Yohannes
03:38 30 Dec 21
It was a pleasure working with Brian and his team. They were extremely knowledgeable and very responsive to all of our questions. They walked my wife and I through the entire process and worked out flawlessly. We look forward to working with them again.
Beniyam Yohannes
03:37 30 Dec 21
Brian and his team were the best. My refi was such an easy and painless process especially during the holiday season.Thanks to Brian and his entire team.They all made sure when an email was sent to me it was followed by a phone call. We feel like family when dealing with Brian as he has been helping our family since 1994 when we purchased our 1st home. Thank you all and have a Blessed and Happy year!
Impala65
20:39 29 Dec 21
The closing process is fraught with difficult financial decisions and compromises. The one piece of the puzzle that didn't have any surprises: Brian Manning/Guaranteed Rate. Not only that but he and his team were available all the time. There were no wrinkles in the process at all. Big fan.
Sean Cannon
23:26 28 Dec 21
Brian and the team were great. Everything went so quick and someone came to the house after hours for the closing paperwork. After closing they sent me this sweet gift which was a very thoughtful touch.
Cara Leisher
02:58 09 Dec 21
My husband and I just bought a house with Brian Manning & team as our lender and had an epic experience as first-time home buyers.Brian was a godsend to work with. He advocated for us throughout the entire process and explained everything we needed to know in a clear, direct & thorough way. It was obvious from the initial calls we had with Brian that him and his team are fully equipped and eager to help make the process of getting a loan fun and positive. I cannot recommend The Brian Manning Team at Guaranteed Rate enough for your lender.
Naomi Hilton
18:42 01 Dec 21
Excellent responsiveness, great experience all through the process
Piotrek M
22:10 08 Nov 21
Brian and his team are great to work with and very knowledgeable. They take time to explain the complete process. They are a quality team.
Vaughn Huffman
02:50 05 Nov 21
Can't rave enough about Brian Manning and his amazing team. Been with them over 2 years now and their service is still top drawer. Well Done.
Michelle Whitaker
16:12 14 Sep 21
Brian and his team were fabulous and made our home purchase so easy! Brian is not only friendly, quick, and responsive, but also provided us with an an amazing interest rate. We couldn't be happier with our experience and highly recommend Brian.
Lisa Frank
22:11 01 Sep 21
Working with Brian and his team was great and I would recommend to anyone!
Borja Azpeitia
20:30 28 Aug 21
Brian was great. Responded quickly to questions and made the process smooth in spite of some issues on our end. Mortgage was funded in time for closing. Brian also worked a mortgage for our son who was a first time home buyer. He took good care of of him and made sure he understood the process. Brian was highly recommended by our realtor, which says volumes about his integrity. I would definitely recommend.
Cindy Brock
20:53 26 Aug 21
We worked with Brian on closing our property. We had a very quick turnaround and were working virtually the whole time. Brian was extremely receptive to our needs and answered all of our questions. We’d recommend him to our friends and family!
Cindy
21:48 10 Aug 21
The Brian Manning Team was cool, calm, and collected. They navigated through the VA process with precision. Someone was always available when I had questions or was just nervous and needed to hear it is normal. I am not sure what a better loan company would look like. This one seems close to perfection.
Kyle Kalkbrenner
18:27 09 Aug 21
Just excellent from start to finish. We were originally going to go with an online lender, but the online lender surprised us with so many fees and unexpected delays that we were terrified we’d lose our earnest money and the house we loved. Brian and his team helped us get a great rate, every interaction was prompt and professional, and our mortgage closed on time. We’d highly recommend them and their concierge-like service, and when we purchase property in the future, we’ll go straight to Brian and his team. Well done!
Drew Sullivan
04:07 03 Aug 21
We had a great experience with Brain's team and recommend them as a lender.
Aaron Allred
02:09 23 Jul 21
We had a great experience with this team!
Brooke Wiederkehr
02:01 23 Jul 21
Ian Wallace
19:22 21 Jul 21
I was connected to Brian and team through my realtor for the purchase of my first home. Brian is lovely to work with - he went the extra mile to help me understand what to expect. Behind the scenes, he was phenomenally responsive to my agent, helping us secure offer letters - no matter what time we came calling. I was introduced to the rest of Brian's team post-offer acceptance, and they made the closing process so easy on me I don't even know what happened. Overall - the team is responsive, engaged, they have the tech and processes to make this easy on you, and they are just lovely to work with.
Sarah Dalton
20:03 19 Jul 21
Brian and his team were great to work with. Very responsive and helpful.
David Hudak
03:24 01 Jul 21
My wife and I were first time home buyers and we highly recommend this team for your lender. Great communication through the entire process and followed up with us needed. This team proved to be attentive to your needs and goals. Excellent service!
michael maldonado
14:03 29 Jun 21
Brian and his team are a pleasure to work with. We got a good rate, the closing costs were competitive and they were very fast too. Moreover, they took the time to explain what every number on every document meant and to answer my endless questions!Oh, and they also sent us gifts :)
Maxim Shapovalov
22:30 28 Jun 21
Brian and team were great in walking me through the home buying process as a first time home buyer. Brian was always available, and took special care to explain things in detail that I had questions about.This resulted in an easier than expected home buying process, I would absolutely recommend.
Brett Holle
20:07 18 Jun 21
We closed in three weeks. Due to the speed and professional approach of the Brian's team, we were able to compete with cash buyers and secure our dream house. Above and Beyond!!!
Alexander Pikunov
03:45 18 Jun 21
Brian has now assisted us with twice with our mortgage needs. Him and his team make the process easy. They are always responsive and ready to help. We are thankful for Brain and his talented team.
Elizabeth McCammon
15:56 16 Jun 21
Brian Manning and his team were so helpful through every step of our mortgage process. We had constant and quick communication daily after submitting our offer. My husband and I were both first time home buyers and did not know what to expect. Brian mapped out all steps of the mortgage process in our initial phone call, which gave us confidence in buying our first home. We will definitely use this team again!
Angela Kenski
16:28 14 Jun 21
Great team! Very great service. Painless process. I will never use a different Mortgage company again.
Bridgid Napier
15:03 10 Jun 21
Quick and detail oriented. Everything was straight forward and Brian and his team were super accessible.
Stefan Tangen
02:51 08 Jun 21
Brian and Team were spectacular! Five star service all the way. Especially impressed with the online portal - very user friendly and easy to follow instructions. Definitely would recommend
Kris Franklin
02:48 08 Jun 21
Brian and team were very quick and had a mission to get us approved when we applied. They meant business and got us through pre-approval within a few days of applying and was with us every step of the way, checking in until closing. They got us a high approval amount and was very well versed in VA loans. They made the process easy and quick on what could’ve been a grueling process when going through the VA. Brian and team came through for us and took us to closing without any major issues. So glad we went with them.Tessa and David M.
Skully Woo
07:24 04 Jun 21
Mike Ortiz
14:56 28 May 21
An amazing team!!! Thank you for making this process hassle free especially in this current crazy real estate market. Appreciate Brian and the team’s response time and follow ups during the entire process!!!
Ramya Krishnan
23:07 26 May 21
Brian and team are wonderful. They are super helpful throughout the loan process and keeps constantly in touch throughout the process and will provide you with timely updates.The Instructions provided by team are always clear and their response time is much appreciated. A Great Team to work with😃
thej kumar
22:56 26 May 21
Once again my husband and I are very pleased about the work Brian Manning and his team has done!Brian and his team were very professional and made it a very easy process.They were willing to help in anyway possible and if we had a question or concern Day noon or night they were there, all questions were answered in a timely matter. I really can’t express how easy Brian and his team made everything go so smoothly.We highly recommend them!!
Chivonne Scott
05:39 19 May 21
Brian Manning and his team at Guaranteed Rate were easy and great to work with. I will use them again in the future!
Brett Hanson
00:45 12 May 21
It was a pleasure working with Brian and his team! Professional, courteous and a great follow through!
philsco
13:41 11 May 21
Brian and his team were awesome. From the first call to the last he was responsive and timely. We had some last minute adjustments on Wednesday prior to Friday closing and he was on it with restructuring the loan on a dime. His associate Alexis was great about letting me know as soon as she did about documents. Using DocuSign and the guaranteed rate portal made everything so smooth and I was notified immediately every time a new signature or document was needed. We couldn’t do a flash close because of the last minute changes but I was able to review most of the closing documents a week before closing. I really can’t say enough about how easy Brian and team made everything. Thank you manning team!!
David Remmert
23:26 05 May 21
Brian and the team pulled through and have a lot of resources
Nick Fisher
23:58 03 May 21
Brian and his team did a great job handling the financing for the purchase of our home. He spent a lot of time with us on the phone initially and was always easy to contact. Highly recommend him.
Tiffany P
15:16 26 Apr 21
Brian and his team helped me and my husband close on our first home. We highly recommend Guaranteed Rate as they are extremely responsive, respectful, and great to work with!
Nathália Kato Giordano
17:04 24 Apr 21
My wife and I successfully closed on our first home in less than 30 days, due in part to Brian Manning and his amazing team! In the competitive Colorado market, it's important to have a local lender like Brian who is easy to get a hold of, and who stays on top of important deadlines. There was even a last-minute snafu on our closing day, and Brian figured it out and was honest and communicative. I highly recommend Brian Manning and Guaranteed Rate!
Andrew Giordano
16:55 24 Apr 21
Fantastic team! I'm a first time home buyer so I definitely had questions throughout the whole process, and Brian and his team were there every step of the way to help me. They made the entire process very easy and much less daunting than I expected. Each member of the team is highly knowledgeable and ready to contact with any questions. Highly recommend!
Riley Mclaughlin
07:13 24 Apr 21
Brian and his team are wonderful! They made each step from the initial loan application to closing a smooth and easy process. Brian's team even sent a personalized gift following closing, which further shows their care and appreciation for their customers. Highly recommend!
Vanessa Hilbert
20:54 21 Apr 21
Brian team acted quickly and gave me the best mortgage deal among all the lenders. Highly recommended!
Nghia Nguyen
01:57 20 Apr 21
UPDATE 4/19/2021: It's over 5 years since I bought my house and I decided it was time to refinance. I very happily went with Brian and team again. Though he's switched companies since my original loan, I'm thrilled to see the amazing service hasn't changed. The process was as seamless and professional this time as it was the first time and I stand by everything I said in the initial review below.========Original review: I can't recommend Brian highly enough. He was recommended by my realtor initially. From the first time I reached out until closing day, he was always incredibly responsive. Even when he was on vacation in Nepal, he still managed to get everything done and respond immediately to any questions I had.When I first asked for a rate quote, he sent me the info in this neat little online tool which broke it apart by the different loan options and provided extensive information on the loan. It had a personalized video from Brian attached to it explaining everything (and he followed up with a phone call immediately after). It was clear, concise, and very easy to follow. Considering this was my first home, this was a huge deal for me. It also didn't hurt that the rate that he quoted me was far below any of the others I got.Throughout the process Brian was always available but never pushy. He explained every step of the process and what was required. I had heard so many horror stories about the loan process but Brian made it incredibly painless. In fact, it was so easy we closed on the house a week early. He even showed up to the closing just in case any questions came up.I also got a weekly phone call from one of his assistants just to ensure that I'm kept updated as things moved along.I would recommend Brian and team to anyone looking for a loan. Knowing what I know now I would probably go back to him even if his rate quote were a little higher than others (though, as I said, he actually came in WAY lower) just because of how good the experience was.
Ben Bayer
14:47 19 Apr 21
I was impressed with The Brian Manning Team from start to finish. In a total maze of paperwork, Brian and his team kept us organized and on top of it all through the entire process.
John Parnigoni
23:33 10 Apr 21
Getting a mortgage is a very scary process with so much stuff to do. I used Brian and team this time and the process went well. The team was very informative and helpful during the while process. Once closing came, everything went smoothly! I contribute this in part with Brian and team. I have used Brian and team for my initial mortgage and two refinances. Each time it went well without hassle. Thank you!!!
Craig M
19:00 09 Apr 21
Brian and his team were really great to work with. They helped us with our refinancing. Entire process was very efficient and smooth. Glenn and Alexis were very active in doing timely follow up and providing updates, answering any questions. Team is very professional and kept the whole process very straightforward and transparent.
kruti patel
04:00 08 Apr 21
I am so grateful for the patience, professionalism and honesty Brian Manning's team delivered when working with us to provide a loan for our first home. Brian was always so receptive and gave us clear expectations for what we needed to qualify for our home loan .The team communicated with us in a timely manner and it helped me not go insane throughout the process of underwriting. Lidia was one of my favorites on this team, she would always be ready to answer all my questions and was so friendly every time we spoke. Communication between the team could improve a little but apart from that it was a smooth process from beginning to end. I would highly recommend this team and their hard work because it shows! I was amazed at the interest rate they gave us. There is no need to look for other lenders. Guaranteed Rate is where to go!
Ari Marcano
01:54 07 Apr 21
Brian and his team were so great to work with! They made our refinancing process easy, efficient, and stress free! Thank you! I highly recommend their team!
Sarah Ottoson
19:13 03 Apr 21
Brian’s team made the mortgage loan process as smooth and low stress as it could be.
sarah wheatley
22:34 31 Mar 21
Brian and his team were great! Communication was stellar and they made the process easy. I appreciate the Tuesday updates and calls from Brian asking if I needed anything or if I had any questions. I will never use another lender! Thank you all!
Andrew Perea
18:09 31 Mar 21
Brian and his team are awesome! We've done four loans with Brian now, between new mortgages and refi's and they never disappoint!
Brian Primeau
15:30 29 Mar 21
Brian and his team were wonderful to work with. I appreciate the prompt, regular communication, easy to follow process, and great rate. Thank you Brian and team for making the process easy!
Skye Giordano
17:40 18 Mar 21
The guaranteed rate team went above and beyond in helping us refinance our home. Being self employed, refinancing can be tricky, especially with loss of income due to Covid shutdown. They went over all our options and helped us get a great rate with a smooth process. Very helpful along the way with check ins and updates. The closing process was easy and we couldn't have asked for anything better.
Cassie Stonecash
15:01 18 Mar 21
Great rate and went very smoothly!
Donna Waters
20:22 08 Mar 21
I researched lenders and was going to go with a ‘big name company’ before my realtor suggested Brian Manning, who is local in my area. SO glad she did! Going through the process of first-time home-buying is a big deal, and now I understand HOW important it is to have a lender that is super communicative, super responsive, transparent and actually local. I doubt that a ‘big name’ company could have provided me the communication Brian & his team did. They were in constantly in contact with me, immediately answered questions via email & phone, available on weekends, and very honest & transparent through the whole process. The electronic submittal process for the loan application was painless. Closing was a breeze. I really appreciated that!!
Kirsten McIlrath
13:53 03 Mar 21
Brian and his team were great, they were super communicative and answered all of our questions. Brian checked in with us and gave us some great advice. Overall the process was so smooth. I would reccommend them to anyone!
Lakshmi Cohen
02:13 03 Mar 21
We highly recommend Brian, Glenn and the rest of his Team at Guaranteed Rate for any lending needs. They are all true professionals and make the loan/refinance process (we've done both with them) remarkably straightforward, transparent, and stress-free. 10/10
Kelton Shockey
00:32 03 Mar 21
I used Brian Manning at Guaranteed Rate to refinance a rental property in Colorado. I live in the Washington DC area. I can say without reservation the team embodies professionalism from start to finish. As the application moved through the loan process, a different team specialist handled it at each step. What is impressive is how well the team coordinated with one another so that nothing fell through the cracks. And each specialist was knowledgeable, efficient, and cheerful. As a result from application thru funding the refi was completed within a month. The Guaranteed Rate software which manages the documents is easy to use. When I encountered a couple of login glitches, the Manning team was there promptly to help me sort it out. BTW, the loan rate was by far the best I received from any agency.
Charles Martin
13:05 02 Mar 21
I have dealt with many lenders and Brian Manning's team has surpassed my expectations. The whole experience was phenomenal, from the beginning, I felt like we were in good hands. Brian took the time to keep us updated every week and throughout the process. He and his team were sincere and were happy to answer questions when they arose. I couldn't be more happy with the whole process and would recommend the Brian Manning Team to all of my clients, friends and family!
LeeAnn Perea
21:27 24 Feb 21
It was an awesome experience working with Brian and his team to refinance my home. The staff was very responsive and helpful. They managed to get a good rate for me and waived the appraisal fee. The whole process went super smooth. I highly recommend them as a mortgage lender.
Tom Weng
03:17 18 Feb 21
I have worked with Brian and team multiple times, and it has always been a great experience!
Gopakumar Padmanabhan
00:57 28 Jan 21
We refinanced our home with Brian Manning's team, and the experience could not have been any easier. Brian gave us the initial overview and his team shepherded the process along using modern tools to streamline the document signing, etc.
Ray Bambha
16:59 23 Jan 21
We knew right when we spoke with them that Brian Manning and his team would be a great choice for our mortgage lender. They were transparent through the entire process and very personable. Highly recommend!
Austin L.
02:34 15 Jan 21
Best experience ever! As a first time home buyer, the whole process seemed daunting, but after talking to Brian, we felt at ease and comfortable with him to dive into the process. He had knowledge and experience, and he was very transparent and honest with us throughout, and we greatly appreciated that. After going under contract, the process was very smooth and each person on Brian's team were on the same page, which was great! We closed on time, and there were no hiccups. Look no further! Great rates and customer support!
Betty Leicht
17:20 13 Jan 21
Brian and his team are the best! We are repeat customers! The refinance process could not have been any easier. Everything went very smoothly form start to finish. Everyone we had contact with was very responsive and willing to help and answer any questions we had. We will recommend the Brian Manning Team at Guaranteed Rate to friends and family!
Mimi Stockton
16:04 12 Jan 21
Brian and the whole team at Guaranteed Rate made the whole home buying process a breeze, 10/10 will recommend to anyone and also be using them again for future home buying!
Donovan Blash-Lopez
20:58 31 Dec 20
The Brian Manning Team at Guaranteed Rate was phenomenal! They were knowledgeable, dedicated and responsive throughout the entire process. It was our first time refinancing and with these unprecedented times of COVID, we were weary of making such a big decision but Brian Manning and his team of professionals made it a smooth process. We are very fortunate to have worked again with Brian after buying and closing on hour house 4 years ago! Highly recommend for your mortgage lending needs. :)
Andres Daubar
18:44 10 Dec 20
Absolutely the best choice on the market. From extremely competitive rates, to total transparency, to extremely friendly staff, this company has it down. The entire time I never even felt as if I was working with a mortgage company or lender, but asking advice from trusted friends. It's been about a month and a half since I bought my house and have 0% buyers remorse and still think the Brian Manning Team is #1.
William Jeffery
02:19 10 Dec 20
Brian and his team exceeded expectations throughout the buying process. He worked seamlessly with my realtor to ensure a smooth, frictionless, and ontime closing!
Trey Cole
00:43 02 Dec 20
Manning and his team made the loan process smooth and easy. Very good communication.
Michele Moffat
23:35 01 Dec 20
Brian is super motivated and honest with the loan. He is really helpful and responsible to work with. He helped me to get the best rate that I ever quoted and the final figures is exactly when he showed to me in the first place. I would recommend him!
Yuhui Lai
16:41 20 Nov 20
Brian and his team were amazing! I loved working with them all and they were extremely helpful with helping me understand the approval and closing processes associated with buying my first home.
Chris Wagner
21:20 11 Nov 20
Brian kept the loan process as simple as can be. He asked only the questions that were relevant, and requested only the documents that were needed. Brian called with updates and to ask if we had any questions. On top of the good communication, we enjoyed the nice "extras" that came with working with the Brian Manning Team, including a surprise gift of moving boxes.
Stephen A.
20:58 02 Nov 20
Our transaction involved a tight closing schedule, so we picked Brian Manning and his team for their reputation to do the job. I really appreciated that, multiple times, my realtor reached out to Brian and Brian responded right away; in those instances, the immediacy of Brian's response was material to the transaction. 5 stars for closing on time and for a killer interest rate.
Corinne A.
20:28 02 Nov 20
Five years ago I got my first mortgage through Brian and the process was seamless. Fast forward to today and my refi experience was just as easy. Brian and his team are professional and personable. Highly recommended
Duncan Cameron
19:54 28 Oct 20
Brian and his team made applying to a mortgage as easy as possible. They have a very clear and straightforward system. Brian and his team regularly updated us and sent us encouraging messages as we moved through the steps. They got us a low rate.
Sandrine Catris
15:14 28 Oct 20
Easy application and underwriting process, very friendly team that communicated often and well, and got us a great rate!
Olivia Lockhart
21:12 16 Oct 20
Edit Sept 2020: I just completed a refi with Brian Manning's team. It's so great to work with actual humans who are local, knowledgeable, and available. Very happy with my rate and experience.__Brian was referred to me by my real estate agent. From start to finish, I found him to be both highly professional and personable, knowledgeable and available for last minute inquiries. I'm happy to recommend him and his entire team.
Tina Edelein
19:18 29 Sep 20
Brian Manning has been the Mortgage Broker for two of our family members now. As a first home buyer, I had been told it's one of the most stressful experience to have but it was so easy. He and his team walked me through every step of the way and also got me the lowest rate I could ever imagine - locked in with no penalities for paying extra if I want to! The welcome gift was also a lovely touch. Thank you!
Hana Caruso
16:48 18 Sep 20
We were very happy working with Brian on our mortgage when we bought our house five years ago, so when it came time to refinance we reached out to him – in addition to two other lenders, to have some offers to compare. Brian’s team was so much more responsive and helpful than anyone else. In less than a day, we’d received detailed breakdowns of potential costs for several refi scenarios – something we were never able to get from the others. The whole process was clear, simple and efficient, and the team always let us know what to expect next. Any questions were answered promptly. We even closed well in advance of the initial estimated date. With interest rates low, the mortgage industry has a lot of business now can probably take or leave yours; but Brian has always treated us like we matter to him.
Paul Madden
16:33 18 Sep 20
Brian got me an amazingly low interest rate, easily beat out any other lender I spoke with. In addition he was super knowledgeable, helpful, friendly, and responsive. 5/5 stars would highly recommend him and his team to help you buy your home.
Zach Sturm
23:34 08 Sep 20
Brian's team made buying our first home much easier than expected. From the beginning, he called us to walk us through every step of the process, and his team regularly followed up on deadlines and action items so that we didn't miss anything. Plus, the paperwork and payment processes are VERY secure. I never felt at risk of fraudulent activity. Definitely recommend Brian and his team, especially if you are buying a home for the first time.
Maria Giordano
14:04 05 Sep 20
Brian and his team were amazing! They made our first time home purchase a breeze!!! Highly Recommended
Aaron Dickinson
03:01 05 Sep 20
I just refinanced through Guaranteed Rate and couldnt have been happier with Brian Manning's team!From the time I applied through final closing Brian was thorough, communicative and timely. I received a very competitive rate and I would definitely recommend them to anyone.Our closing was super convenient and the title company Brian organized met us at the location of our choosing - our backyard.Bottom line: you will be very happy if you choice Guaranteed Rate!Kind regards,Issac
Ike Gill
15:28 04 Sep 20
Brian made this process so painless and stress-free. He was wonderful from the start and answered all of my questions. His team was also great and made this whole experience easy and enjoyable. I highly recommend him and his team.
Brendan Doyle
21:59 01 Sep 20
Brian Manning and the whole Guaranteed Rate team were excellent throughout my process. As a first time home buyer, the process can be overwhelming, but Brian was very effective at communicating with me clearly and making sure I was comfortable the whole way. Will definitely recommend to family and friends!
Marie Moore
14:26 01 Sep 20
Brian Manning and team of Guaranteed Rate Inc. are superb! They are attentive, responsive, and professional. Brian is always avialble, patiently answers any questions you have and is happy to explain the lending process to you. We have used Brian for both our original purchase nad re-finance and happily recommend him to our friends. Give him a call, he be glad to provide you the best numbers he can get you!
Lisa Peraino
21:55 29 Aug 20
Would highly recommend Brian Manning and his whole team. All are extremely responsive, friendly, and helpful every step of the way! They truly made the purchase of our first home an enjoyable one!
Cory Schmid
03:56 27 Aug 20
My family has worked with Brian and his team a couple times now - each time they are very professional and are there every step of the way - HIGHLY RECOMMEND using them - Thanks Brian and Team!
Jared Brooks
19:09 07 Aug 20
Brian and his team are great. Smooth process the whole time. He was available for my texts and phone calls. Highly recommend Brian and his team!
Steve V
15:23 06 Aug 20
Brian and his team were attentive, proactive, and extremely helpful throughout the entire process. By phone call, text, or email, I got all the guidance and answers I needed (its my first time buying a home so I had plenty of questions). I can't recommend them enough!
James Brock
21:21 30 Jul 20
Brian and his team were outstanding. Brian delivered on everthing he said that he would do. The process was quick and painless. I would recommend Brian for any loan needs that you have.
Peter Hooper
02:56 15 Jul 20
Huge shoutout to Brian and team (especially Lexi) for their exceptional service throughout my first-time home buying experience! Brian was able to beat competitors’ rates and made the whole process so easy I caught myself asking, ‘that’s it?’Great communication. No fuss. Highly recommend!
C. Scott
00:05 15 Jul 20
I've worked with Brian twice now and I am ridiculously impressed every time. Refinancing toward the beginning of the quarantine meant a lot of unknowns existed about the process. Brian and his team were so on top of it though that we had no problems at all. We were even able to do a totally virtual closing. Awesome experience as always.
Cate Edwards
23:06 07 Jul 20
Brian is best! Always goes above and beyond, highly recommend for any and all lending needs.
Chris Edwards
20:03 06 Jul 20
We highly recommend Brian and his team. They did such a great job of walking us through the process, answering all of our questions, and just overall being available and helpful. He helped us with purchasing our first home and again when we were ready to refinance. He is a great choice for anyone looking for a lender in the Boulder area.
Christina Burton
23:50 27 Jun 20
Brian and his team have been fantastic to work with on our recent refinance. I had several questions about the refinance process and the team was always very patient, personable and informative. I now not only understand the process, but I'm very satisfied with my new loan! Very smooth transaction and a friendly team to work with!
Chris Burton
23:41 27 Jun 20
My husband and I just closed on our 4th property. We first went with a morgage lender that we had previously worked with. Six weeks later, after multiple delays, long hours spend faxing documents, and several last minute "no can do because of COVID," we switched to Brian. Brian got us underwritten in 7 days! His professionalism, attention to detail, understanding of the market, and overall care and enthusiasm made it happen. We could not have been successful without Brian. This has been by far the best experience we've ever had with any mortgage lender!
Jie Mao
23:00 27 Jun 20
I met Brian 4 years ago when I first moved to Boulder and he's been a valuable resource over the years leading to my first home purchase this summer. He coached me through the home buying process with a great ability to simplify and explain all the moving parts. His team is also very nice and easy to communicate with. 10/10 would recommend Brian Manning.
Joshua DSouza
13:04 10 Jun 20
Brian and his team did an outstanding job on my last loan. No paper was used throughout the process and we closed online. This is the second loan we have done and I would highly recommend his team!
Emmett Dowling
16:08 05 Jun 20
Brian Manning and his team of expert loan specialists were amazing throughout our recent refinance process! The attention to detail was really impressive. We couldn't have asked for a better result and would highly recommend their friendly group. They are personable, they are organized, and they are so good at providing an exceptional level of service.
Ben Kanner
17:37 03 Jun 20
As a first-time home buyer, I went into the mortgage process completely clueless (and a little scared!) but Brian made me feel informed and safe over our time working together. When we first met, he set aside a lot of time to explain the nitty-gritty of the mortgage process end-to-end, including answering all my newbie questions with friendliness. He checked in with me frequently, he used his economics expertise to help me score an absolutely outstanding rate, he made sure his end of the closing went smooth as silk, and he followed up with a hearty congratulations and another Q&A session after the closing. Not once did I have a question or concern that Brian couldn't address. Top marks!!
Brendan Barwick
23:39 23 Apr 20
We've worked with Brian and his staff on three occasions now (one home purchase and two refinances), and he has been incredibly helpful, and giving of his time, as we worked through each transaction. He is always patient and prompt with fielding our questions, the underwriting process is well-organized and efficient, and his is able to offer a quicker closing date than other lenders. I have recommended his office to our friends, and whenever we will have a need for a lender in the future, Brian is who we hope to work with again: he and his staff have my strongest possible recommendation.
Levente Szentkirályi
18:35 23 Apr 20
Brian and his team at Guaranteed Rate were attentive through the entire process of getting approved through moving into my new home. They were available for questions when they came up and I loved that I could sign paperwork online with time to read through it and not rushed to figure it all out sitting at closing. Thank you!
Angela Borland
15:00 18 Apr 20
I have used Brian Manning twice now -- one for my original mortgage loan 2 years ago, and again just recently for my refinancing. In both instances it was a perfectly pleasant and seamless experience. This most recent time was especially wonderful -- I was leaving town for the COVID-19 lockdown and wasn't able to meet in person for my closing. So not only did he push to ensure the closing happened before mortgage rates shot up again, he got me the lowest rate out there AND enabled me to close virtually, which I didn't even know was possible. I'd work with Brian again any day of the week. Even on Saturday, when for some reason he still takes work calls.
Allison Hardy
17:26 10 Apr 20
Great experience refinancing. Easy to use online signing and great costumer service
Brooke Fawcett
23:07 02 Apr 20
This was our second time buying a home, and Brian has stood out among all the lenders we've worked with. Brian was incredibly clear, responsive, and thoughtful throughout. He always offered the time to explain things and made service his #1 priority. I highly recommend working with him.
Elliot Freeman
02:50 02 Apr 20
Brian and team are extremely knowledgeable, able to answer complex questions in a simple and straightforward way and are simply put pleasant to work with. I can't suggest Brian enough for anyone shopping for a mortgage.
Chris Vonderhaar
21:21 01 Apr 20
Brian and his team provide the highest level of customer service that I have received in the lending world. They do a fantastic job of keeping you updated, answering any questions you have, problem solving, and making sure you are comfortable throughout the process. They are very competitive and a joy to work with. I highly recommend Brian and his team if you want a stress free and smooth process.
Madison Cervo
21:04 01 Apr 20
Been through both our first home purchase and a refinance with Brian and his team and have nothing but good things to say. They're friendly, quick to reply to our endless questions, and a blast to work with. Thanks y'all!
Nellie Stephenson
21:03 01 Apr 20
Brian and his team were great to have on our side during our first time house purchase process. They were able to answer all of our questions, and explained everything in clear detail. The entire process was made very easy to comprehend and seamless, which helped a lot since we had so many other things going on with a first time purchase.
Yannick Polius
23:18 18 Jan 20
Jayde Douthat
04:12 15 Jan 20
I recommend Brian Manning and his team to anyone looking to purchase a home or refinance. I've worked with other mortgage companies in the past, and Brian Manning's service and products are far superior to other companies. Very smooth process from application to closing.
Brian Seiffert
19:07 16 Dec 19
We had a great experience working with Brian Manning. This is our first Colorado home and Brian and his team made the whole process seamless. He was incredibly organized, answered our questions (however silly) and let us know about all of our options. We appreciated how Brian and his team let us know about the rise of wire fraud and took every measure to make sure our transactions were safe and secure. Brian was always available at any time via the secure online portal, phone or email. We were very pleased with the customer service and would not hesitate to recommend him and his team!
Theo Vereecken
19:38 17 Nov 19
Brian has worked with me for close to 2 years. Even when I had taken a little break from looking he would call to check in and see how I was doing. Brian made sure I understood what was going and made sure to answer any questions I had along the way. Thank you so much for helping me with my first home I have been very pleased.
Indera
16:03 14 Nov 19
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You think you found it – the Colorado home you’ve been looking for. But now you’re on pins and needles wondering if you’ll be approved for financing. Contact us and let The Brian Manning Team make your mortgage process simple.