Michael Stepek

Originating Manager

[email protected]

o: (908) 546-5641

c: (908) 361-4972
f: (856) 872-2761

209 Central Ave.
Westfield, NJ 07090

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NMLS: 28268

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What people are saying... What people are saying... Read more

Mike Stepek was great, he was responsive and clear throughout the process, there were no surprises except being amazed at how low a rate we were able to get, with a credit too.

- Matthew K. WESTFIELD, NJ

The team was terrific. Mike Stepek, John Burkhardt, and Bob Finnegan made the process very easy. Thanks for a job well done!

- Matthew S. Long Branch, NJ

Michael Stepek, Bob Finnegan, and John Burckhardt were a pleasure to work with. They were helpful in pre-approval and, when it came time to make an offer, stepped in to reassure the sellers after a prior buyer had dropped out due to financing issues, making them more cautious than the average seller. They also assured us they would be ready for commitment within 3 weeks, giving us the flexibility to improve our offer by promising a fast close. After we went to contract, they were clear and reasonable in asking me for the documents needed to get to final approval, and I never waited more than a couple of hours for a response to any email I sent or message I left. We were motivated to move quickly and were appropriately prepared, both financially and in terms of having easy access to the necessary documentation, and all of that combined made the process smoother than I could have possibly imagined. They were ready to go to commitment as fast as they had promised, and we closed four days earlier than our contract required without breaking a sweat. This was our first home purchase, so I can't personally compare to other experiences. But, I certainly have heard a lot of horror stories, and I'm very glad we chose Guaranteed Rate Affinity.

- Adam M. Montclair, NJ

We would highly recommend Guaranteed Rate Affinity to all our family and friends. Michael Stepek, Robert Finnegan and John Burckhart were all amazing.

- Clark V. Somerset, NJ

Mike Stepek was friendly, informative and responsive. Pleasure doing business with Guaranteed Rate Affinity.

- Coque D. Scotch Plains, NJ

Michael, Bob, and John were fantastic and made a stressful process into an easy one

- Nicholas R. Westfield, NJ

Everyone who helped us with the loan was VERY helpful and VERY knowledgeable. Everyone one went above and beyond our exceptions.

- Jason W Bridgewater, NJ

Mike and the entire team were wonderful to work with. Quick responses, always professional and just all around great group of people. Would highly recommend to anyone looking to get a home loan. Can not say enough good things about Guaranteed Rate Affinity and the team!!!!!!!

Very helpful, always available, moved quickly, very smooth and worry free process.

- Krista M Red Bank, NJ

The service was fast, polite and knowledgeable.

- Anthony I.

Good people made a stressful experience enjoyable

- Gregory S.

They worked very hard, and kept in touch each step of the way to ensure there were no issues.

- Charles H.

They were very thorough and walked me through the entire process.

- Matthew N.

Michael Stepek and the rest of those who helped me get a mortgage a new house purchase were wonderful. The work they put in, time spent clarifying things for me, and even making sure they responded to my questions in a timely manner, made the whole experience worthwhile.

- Nicholas A.

Good service overall, giving always the necessary support with good attitude.

- Nelson Andre G. Edison, NJ

Because they were great. Through our the entire process they were professional and efficient.

- Larie W. ASBURY, NJ

The team at guaranteed rate was easy to work with and made a complicated situation extremely seamless.

- Jillian M. WESTFIELD, NJ

Great service and competitive rates

- James L. SCOTCH PLAINS, NJ

Best customer experience I have had with a lender. This is my 6th home purchase.

- Herman C. WESTFIELD, NJ

Professional & Friendly staff. Very informative and prompt with replies.

- Leomarys R. PERTH AMBOY, NJ

Excellent service from all people I dealt with.

- Linda V. Cranford, NJ

Liked the approach of the people there: professional, good listeners and paying attention to the details.

- Ferdinando M. Colonia, NJ

Mike was amazing to work with. As a first time home buyer, we had a lot of question and Mike was able to answer all of them (no matter the day!). He made us feel very at ease.

- Jennifer L. Westfield, NJ

It was a pretty seamless process. Mike Stepek and team were really good.

- Rafael G. WESTFIELD, FL

Everybody was really helpful.

- Gurkan K. Westfield, NJ

Quick communication

- Tara S. Green Brook, NJ

Customer service, ability to pick up the phone and ask a ton of questions

- Joseph F. Westfield, NJ

The staff made the entire process painless

- Linda O. Bridgewater, NJ

Love Mike Stepek, always easy to work through

- Michael D. Cranford, NJ

Responsiveness and ability to answer questions

- Jonathan M. Scotch Plains, NJ

very simple process. good people to work with.

- Elliot B. Westfield, NJ

Very satisfied with the team.

- Jason S. WESTFIELD, NJ

very friendly, prompt and great rates.

- William Y. WESTFIELD, NJ

Overall it was a quick smooth experience

- Drew A. WESTFIELD, NJ

Jim Hazlett and Mike Stepek were amazing from beginning to end.

- Anthony R. PLAINFIELD, NJ

Quick and mostly painless mortgage process. Completed in 2 weeks

- Frank D. WESTFIELD, NJ

Mike Stepek and his team were AMAZING to work with. Communicative, responsive, helpful... I couldn't have asked for a better experience

- Nicholas R. WESTFIELD, NJ

Mike Stepek, James Hazlett and their entire team is absolutely amazing. Hold your hand through it all, positive, knowledgeable and calming. Geniuses!

- Kristen L. WESTFIELD, NJ

About Michael

Michael Stepek is a seven-time President’s Club high achiever and Sales Advisory Council member who offers over 20 years of deep lending experience, focusing on conventional and Jumbo loan products. Each client gets the same superior experience, with Michael spending the time it takes to understand their needs and explain both products and process so that they can make an informed decision. “Making sure that the customer is informed, comfortable with the mortgage process and ready to purchase is my sole objective as their Loan Officer. I work hard to cultivate and maintain relationships with all of my business partners to ensure their trust in me,” stated Michael. A graduate of Bloomsburg University with a Bachelor of Arts in marketing, Michael has lived in Lumberton, New Jersey since 2003, with his wife Judi and son and daughter. A sports lover, Michael coaches local youth sports and loves watching all Philadelphia teams, as well as spending time in Cape May.