Reviews

Finding a loan officer thatʻs truly on it, reachable, and knowledgeable with decades of experience is a tall order. Steven Penske is always on the top of the list of lender referrals I provide to my clients for their Hawaii home purchase and one of the best in the industry to work with! From VA loans to conventional, even for programs that work for self-employed people, I highly recommend working with Steven for your Hawaii home purchase.

Steve was a pleasure to work with, he was referred to us by our realtor. He communicates quickly and helped us with all of our questions/concerns in the process. We absolutely would recommend him!

Steven is the best! Extremely knowledgeable, patient, friendly and always goes above and beyond. He helped us with our loan from step 1 and took the time to explain the processes, and checked up on me to ensure we met deadlines when I lost track of time. (Thanks again for the reminders, Steven and Jennifer!) He was very helpful when I was concerned about doing paperwork wrong by double checking my work and providing clarity on what we are doing during the stages and what to expect next. If you’re not tech savvy, Steven will happily walk you through their site and the clicks!! And you can feel Steven’s warmth and kindness even over the phone. I always felt comfortable asking him and his team questions. His team is very responsive and provides excellent client care and support as well. Our loan is now complete, and it has been a smooth process. I highly recommend working with Steven for your loan!

I worked my home loan with Steven P. He was very helpful and quick response. I was very happy .

We contacted some banks for our possible mortgage to our new home in Honolulu and Rate Guarantee is the most competitive bank in terms of time to respond and an attractive rate. Especially, one of loan officers, Steven, was really helping us for the better terms suited for us and we are very happy about their service. Also, loan officer always responded to us for our questions and concerns and always gave us an easy of mind throughout the process. I strongly recommend Rate for their excellent services.

Throughout our home buying process, Steven has been incredibly supportive, patient, and transparent. He offered various options tailored to our needs, utilizing interactive tools that allowed us to adjust figures and clearly visualize how it affected our mortgage. His rates were also unbeatable. If given the opportunity, we would definitely work with Steven again.

Steve was a pleasure to work with! From start to finish, he made everything incredibly smooth, quick, and stress-free. He explained every step clearly and was always available to answer my questions, no matter how big or small. His professionalism, transparency, and dedication truly put me at ease during what could have been an overwhelming process. I highly recommend Steve to anyone looking for a reliable and knowledgeable mortgage broker. Five stars all the way!

Steve was fantastic to work with! He was very informative and took the time to explain every step of the mortgage process clearly. I really appreciated how quickly he responded to all my questions and made sure I always understood my options. His professionalism and communication made the entire experience smooth and stress-free. Highly recommend Steve to anyone

I have been doing business with Steve Penske for over 20 years and regularly refer my family to him for mortgages. He is an expert with the VA process and gets me the best deals. Great communication and responsiveness!

Working with steven was a great experience. He was very helpful with any questions we had and was always willing to go the extra mile to help.

The best to do it.

Steven went above and beyond for me. I don’t think I could have bought my house with a different lender. He helped solve some of my credit problems. Steven really is the best.

Hi Steven you and your team have been wonderful at helping get the process of obtaining my own home for the first time in my life. I'm just full of excitement to begin this new chapter of my life. Steven you of course made the process very easy and took the fear out of the whole process. Of course your team as individuals and as a team, was just so understanding and helpful. Thank you very much to you all for all the support and guidance throughout the whole process. I will definitely pass on Rates as the place to go. Mahalo and Aloha Darryle Lee

Amazing experience

He is very communicative and professional. It's the easiest and fastest lender I've ever work with, and he guides you in the right directions and give you all the best possible options that suites your financial situation. Easy to get a hold of, and responds very very quickly. Highly recommend

Excellent Service!

Steven was extremely professional and always available to guide me through the process. I was on a short timeline, and with Steven’s help, I was able to get my loan approved and close on my new place in 20 days!

Very helpful

Steven and his team were very attentive and very helpful during our first time home buying process. Steven answered all our questions, simple and complex, with patience and in great detail so that we understood the whole process. Not only was he very helpful and knowledgable, he was personable and made us feel confident and comfortable throughout the process. Highly recommend.

Excellent Service and Professionalism!

Steven Penske did an outstanding job guiding us through the lending process and was there to assist us at every turn without hesitation. He explained things in great detail and walked us through anything we didn’t understand.

Great!

Steve was great! He was very available, informative and worked to get us the best deal. He sent us monthly projections for several properties while we were home shopping. He answered all of our questions, even at off hours and made sure we were comfortable during the process of making such a large purchase. Our loan closed very quickly with Steve’s help.

Outstanding Service

Steven and his team are very passtionate and proactive. They know exactly what I need even before I realize that and make sure everything is ready in advance. They are very responsive too, answering questions within hours even on weekends and holidays. The rate offered was also the lowest among the ones received.

Great experience w/Steven Penske

I'm a second time home buyer and I'm really glad to have been connected with Steven. You get knowledge, experience, availability, and kindness. It matters who you pick.

Goes the Extra Mile!

Steven Penske is a definite asset to Guaranteed Rate. He was upbeat and positive during this difficult real estate market. I had complete confidence in him and he came through for us!

Steven is extremely knowledgeable loan officer, and any time of day to provide answers to any questions and concerns. I recommend Steven Penske to anyone his is absolutely professional and have responded in a timely manner.

I highly recommend Steven, he did everything I needed to get my mortgage done in a timely manner. Steve was very helpful and a great person to work with.

It was great working with Steven! He successfully closed the buyer's loan so my seller was very happy and satisfied closing the sale of her house. I highly recommend him to anyone who wants to buy a home.