Guaranteed Rate, Inc. Ratings & Reviews

NMLS ID: 2611

Guaranteed Rate, Inc.

4.3 of 5 636 Reviews


Who is Guaranteed Rate, Inc.?

Guaranteed Rate is one of the ten largest retail mortgage lenders in the U.S. The company has become The Home Purchase Experts® by offering industry-leading self-service tools and low rate, low fee mortgages through an easy-to-understand process...

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96% of our customers would recommend this lender. (348 of 364)


Customer Reviews


  • (1) (0)

    Great purchase experience

    Yes, I recommend this lender

    These guys are fantastic, starting with Sam Sharp in Chicago, who is probably the best loan professional I have worked with for any loan, and I have done 5 new mortgages. He and the team of Jason, Chris, Thomas and the entire organization vastly exceeded our expectations around everything from great communication and feedback, excellent rate with no points (and a rate reduction for no extra cost during the process!) and ahead of schedule closing. I cannot say enough good things about this experience.

    By:   (Chicago, IL)Reviewed On:

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  • (1) (0)

    Blessing

    Yes, I recommend this lender

    Patti was so great!! She made me feel that my becoming a homeowner was important to her, like family, not just a client. Everything was explained to me upfront and she worked diligently to get me the best rate possible! I cannot say enough about the blessing my family received in working with Patti at Guranteed Rate!

    By:   (Purcell, OK)Reviewed On:

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  • (1) (0)

    Excellent Rate, Fast Service, Easy to Work with

    Yes, I recommend this lender

    We worked with Rick Richter and Matt Mitchell for our refi. I cannot give them enough praise. Prior to this transaction with Guaranteed Rate, we had a terrible time purchasing the home initially (both of our scores were over 800 and we had good jobs and one loan (car)) and an even worse experience selling our home and the financing that the buyers had setup. Everyone we know that has gone through a home buying or refinancing process in the past several years has had a terrible, drawn out and miserable experience. I signed up with LendingTree to see what kind of rates I could get because I wasn't satisfied with the results I was getting. Rick contacted me and we went through a few things. I decided to go with Rick and Matt, they seemed to have a fire under their butts. They kept the ball rolling without me needing to be a squeaky wheel and giving them reminders. They were so quick to getting back in touch with me if I had questions. Before I know it, we are approved and closed. It was so easy and painless, I cannot give them enough credit. I will definitely go with them in the future. As an indication of how fast they move and process, I got a followup call today from one bank that I contacted BEFORE I was setup with LendingTree and Guaranteed rate. Another email from a different bank on our closing date- again, I had tried to contact them before going with Rick and Matt. And I got another email the day of closing from a different lender. In summary, I got two follow-ups on the day we closed and one follow up after we closed. No one else can compete.

    By:   (Virginia)Reviewed On:

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  • (2) (1)

    Craig and his Team Came Through Again!

    Yes, I recommend this lender

    I have gone through Craig previously when I initially purchased my home so I already knew the type of caliber and efficiency Craig and his team brings to the table. After a few years of ownership, my home had increased a significant amount in value. My wife and I thought this would be a perfect time to refinance our home in order to pay off some expensive medical bills. We initially went through our bank for the refinance. I have had this particular bank for the last 15 years but also, my current mortgage and auto payments are there as well. To be completely honest, I really liked that all of my payments were located in one login. Not the smartest deciding factor but none the less I loved the convenience of it. My wife and I figured, “Why not refinance with a bank that knows our history better than anyone else.” If I tell you we were wrong that would be an understatement. I will not name the bank personally but this particular bank took us on a wild goose chase for almost two months without any resolution. I would send information they requested with no response of receipt. Days would go by with no correspondence to my emails and phone calls. When I would contact them, they stated that they never received information that I sent. Then the deal breaker occurred… I was assured that I would have no issue qualifying for the refinance. Towards the end of the second month the underwriters at the bank stated it may be questionable for an approval and they wanted a whole other batch of different information. Out of complete frustration, my wife and I decided this was not worth the headache and we declined moving forward. Our last ray of hope was seeing if Craig and his team at Guaranteed Rate could help us. We explained our situation and what we have previously just dealt. Craig smiled, told us not to worry and that his team would get it done. We were a little skeptical but Craig and his team made our home buying process a positive one so we were willing to take another shot. Not only did Craig and his team get it done but the communication and response time was so on point we were able to close within 30 days. There are three others at Guaranteed Rate that I would like to name personally: Mike, Anita and Rebecca. The four of them have been such a blessing to my family. Not only did they get it done fast and efficiently but my mortgage payment and interest rate stayed basically the same and my wife and I were able to get the extra money we needed to pay for our medical expenses. To all the others at Guaranteed Rate that helped, my wife and I thank you as well. My wife and I now have two positive stories about Craig and his team. I have referred my friends to them before and I will continue to refer them to anyone looking for a home loan or to refinance their current loan. If you are considering buying or refinancing a home, leave this one to Craig and his team. They are the best in the business by far. Thanks again and God bless!

    By:   (Boynton Beach, Florida)Reviewed On:

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  • (1) (0)

    Best service you will find

    Yes, I recommend this lender

    My wife and I recently purchased a house. This was my first time having Terry as our mortgage broker. I can honestly say I will not use anybody but Terry in the future and have already recommended him to my friends and family. Terry made a process that can be very stressful, absolutely stress free! When our mortgage was being slowed down by outside parties, I was able to trust Terry to step in and make everything happen. My wife and I had plenty to worry about, but at no point was our mortgage or the work Terry did on our list of worries. Terry is professional, responsive and trustworthy. Don't waste your time worrying, go with Terry.

    By:   (Omaha, Ne)Reviewed On:

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  • (1) (0)

    Loans

    Yes, I recommend this lender

    The loan process with Guarenteed Rate was excellent.

    By:   (Napa Valley)Reviewed On:

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  • (0) (1)

    Great

    Yes, I recommend this lender

    Great

    By:   (Dove Canyon, CA)Reviewed On:

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  • (2) (1)

    very easy underwriting

    Yes, I recommend this lender

    Fair underwriting. Did not ask me for the same things over and over.

    By:   (Laguna Niguel)Reviewed On:

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  • (3) (1)

    Always comes through for the buyers!

    Yes, I recommend this lender

    Mary Lou always closes our loans on time, if not earlier. No matter what the problem, she communicates honestly with everyone and sets the proper expectation!

    By:   (Palos Verdes, CA)Reviewed On:

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  • (5) (1)

    2015

    Yes, I recommend this lender

    My number one priority, especially when dealing with significant purchases, is communication. Guaranteed Rate excelled at that. Their pricing was definitely competitive, as well, though I am sure many mortgage companies offer similar services. I don't know if the same can be said about communication.

    By:   (Chicago, IL)Reviewed On:

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Guaranteed Rate is one of the ten largest retail mortgage lenders in the U.S. The company has become The Home Purchase Experts® by offering industry-leading self-service tools and low rate, low fee mortgages through an easy-to-understand process and unparalleled customer service. Headquartered in Chicago with approximately 175 offices across the U.S. and licensed in all 50 states, Guaranteed Rate has helped hundreds of thousands of homeowners with more than $65 billion in home purchase loans and refinances since 2000. Guaranteed Rate was ranked No. 1 in Scotsman Guide’s “Top Mortgage Lenders 2013” honors, and was recognized by Inc. magazine as the No. 4 private company job creator in the U.S. in 2013. Visit www.guaranteedrate.com for more information.
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