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Michael Ciavarini
Loan Officer


Purchase Loan, Refinancing, Mortgage Planning, Hard Money, Commercial, Rehab

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Boston's Certified Mortgage Planner

As a Financial Analyst in the Mortgage Industry I have been creating wealth for people just like you. In 2009 I was a weekly guest on Barry Armstrong's WBNC 1120 AM and featured on on WBZ TV 4 News. There is so much to a mortgage that goes beyond the rate. When you work with me I will create a personalized wealth calculator that will show you how to choose the right mortgage product for your financial situation. With that expertise comes amazing rates and low closing cost.

Ask me a question. Visit my blog and watch some of my YouTube videos.


Do you want to price it right at the start? Want to end price reductions? I will show you how proper mortgage planning sells houses faster than a price reduction.


Hi Mike,

I recently viewed your video presentation a 201 buydown loan on Youtube. It was very informative and explained a complex subject matter in simple terms - an outstanding presentation!

- Bruce

Dear Mike,

I would like to thank you for your huge help through the mortgage loan process. You were a wonderful advocate and resource from the beginning of the process all the way through to closing - and I don' think any other mortgage broker or lender would have provided the superior level of service that you did.



My Platform is Education

I have the best job on the planet (ok, maybe Tom Cruise does) because everyday I get to answer your questions. But I just don't spew rates, I send unique spreadsheets titles Wealth Calculator that is programmed specifically to model YOUR situation. I used to use packaged software but I found that off-the-self software couldn't speak to you. With degrees in Mathematics and Computer Science and years of owning Real Estate I have smarts to analyze your mortgage like none other.

Send me an email or call me with your situation today!


I am an avid cyclist. I ride a Cannondale Six13 with Shimano Dura-Ace, Mavic Ksyrium Elite wheels, torch red, it's a fast ride. If you ride give me a call...

Ran the Boston Marathon, had my own radio show and been interviewed by Scott Wally on WBZ TV News. I'm also a die-hard Green Bay Packer football fan. I've been to Lambeau Field several times. You need to go!


Michael Ciavarini
V.P. of Mortgage Lending at Guaranteed Rate, Inc.
Professional Information
Guaranteed Rate, Inc.
38 Pond St., Ste. 108
Franklin, MA  02038
(508) 528-1800 x7836Click to view
(508) 662-5381Click to view
(617) 830-0403Click to view
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