Background
Roger and Ricardo Brasil have been with Guaranteed Rate since 2011 where they have been listed in Mortgage Executive Magazine and Scotsman Guide among the top loan originators nationally. In this interview, they discuss their model for success as mortgage lenders in Boston and explain how they help agents in their market grow their businesses.

Roger and Ricardo on what makes them experts in the Boston market…
“The Boston market is predominantly a condominium market and we’ve developed a special niche with Realtors and real estate developers given our expertise in condominium lending for the past 10 years.”

…on how they make life easier for agents they work with
“Our expertise and experience make a world of a difference according to our agents who refer us to their buyers. It’s part of our value proposition. The Boston market is so competitive that when a pre-approval has the Guaranteed Rate logo along with our names at the bottom it helps with the negotiating process. Industry professionals have a level of comfort with us and it gives them a sense of security with the process being seamless.”

…on which tool within Guaranteed Rate’s platform helps agents the most
“I would say Gateless, Guaranteed Rate’s co-marketing and agent coaching platforms. Agents can also track the status of their loans online with our Loan Status Monitor. It’s all about giving Realtors transparency with the loan process and helping them market their properties.”

…on what they do to provide a stress-free closing for agents
“We understand how critical the beginning of the loan process is and strive to do as much work as possible at the pre-approval stage even before a client identifies a property. We’ve been big on issuing pre-commitments to our clients (approvals issued without a property address at the pre-approval stage), which only expedites the mortgage process more once they have placed a property under agreement. When the deal goes live, you are essentially just buttoning things up, getting the property appraised and then working toward closing the transaction after a full commitment letter is generated.”

…on why agents choose Roger, Ricardo and their team at Guaranteed Rate
“We pride ourselves on never overpromising and underdelivering. We always strive to overdeliver and understand that there can be snags in the process that are avoidable only with the right preparation up front. We work hard on making it a total team effort while using our great technology to deliver a quick and stress-free closing for our agents and their clients.”

…on the importance of agents to their business
“Considering our business is primarily referral based, our agent network is extremely important. We’ve always valued Realtor referrals and about 60 percent of our business model is comprised of Realtor referrals. Despite advances in social media and technology we’re still in a referral-based business and use those platforms to enhance our Realtor relationships and bring value to them.”

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If you’re interested in learning more about working with Roger, Ricardo & Guaranteed Rate, please go to Rate.com/RogerBrasil or Rate.com/RicardoBrasil, call 617-835-1666, or email Ricardo@rate.com and Roger.Brasil@rate.com. NMLS: 481125 / NMLS: 481219. Guaranteed Rate NMLS ID: 2611