Guaranteed Rate to Host Ribbon-Cutting Ceremony

Guaranteed Rate to Host Ribbon-Cutting Ceremony Celebrating New Michigan Location


Guaranteed Rate, a leader in mortgage lending and digital financial services, is hosting a grand opening ceremony on Wednesday, July 20th between 2 p.m. and 4 p.m. to showcase its newly renovated location in St. Joseph, Mich.


The branch, located at 717 Ship St. in downtown St. Joseph, was first  announced last September and is one of twelve locations Guaranteed Rate has opened in the state. A familiar name in the Southwest Michigan mortgage industry, Joy Cluff was brought on to serve as Area Manager.


“We have been patiently waiting for the opportunity to celebrate our new office for a while now, and we are so excited to finally show off our new space and connect in-person with members of the community,” said Cluff, a 19-year industry veteran. “Our dedicated team has a true passion for helping homebuyers achieve their dreams of homeownership, and we are so

thrilled to provide the very best mortgage experience.”


Alongside Cluff is her husband Matt, who serves as a mortgage consultant for the operation. Together, they have assembled a team of experienced industry professionals, including Tim Ritchie, Monica Shannon, Justin McMurray and David and Regina Danikowski’s team, Rick Lapins Branch Manager Renovation Specialist to serve clients in Southwestern Michigan and Indiana.


“There were multiple factors in joining Guaranteed Rate. Not only are they a growing company with a solid foundation, but also my husband works in operations. This allows us to show our three children that parents can work together and be passionate about what they do,” adds Cluff.


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About Guaranteed Rate Inc.


Guaranteed Rate is a leader in mortgage lending and digital financial services. Headquartered in Chicago, the company has more than 8,000 employees in 500 offices across the U.S., and is licensed in all 50 states and Washington, D.C. Since its launch in 2000, Guaranteed Rate has helped hundreds of thousands of homeowners with home purchase loans and refinances, funding more than $95 billion in total loan volume in 2021 alone. Powered by its belief in positivity, the company has become one of the largest retail lenders in the nation. Guaranteed Rate delivers innovative technology, including the world’s first Digital Mortgage, low rates and unparalleled customer service. Honors and awards include: ForbesAdvisor’s Top 10 Mortgage Lenders for 2021; Best Mortgage Lender for Online Loans and Best Mortgage Lender for Refinancing by NerdWallet for 2021; 2018 Top Lender for Online Service by U.S. News & World Report; HousingWire’s 2020 Tech100 award for the company’s industry-leading FlashClose℠ technology; No. 3 ranking in Scotsman Guide’s 2021 list of Top Retail Mortgage Lenders; Chicago Agent Magazine’s Lender of the Year for six consecutive years; and Chicago Tribune’s Top Workplaces list for seven consecutive years. Visit for more information.


About Southwest Michigan Regional Chamber


The Southwest Michigan Regional Chamber member-driven organization working to achieve economic prosperity throughout the region, by leveraging every available resource within our network for the advancement of our members and the betterment of all who live and work in our community.