NMLS# 213947

Guaranty Federal Mortgage

Lender Summary

GFM was founded in Texas and has proudly served the Lone Star State exclusively since 2005. We have been a top Rated Lender on the Lending Tree Network since 2006 and have a 99% customer satisfaction rating. GFM is geared towards more personal service unlike large National lenders who’s process is set up to treat you like a number rather than a valued client. This in turn produces a better overall value and lending experience to our customers which is why our Customer Satisfaction Rating is so high. All the efficiencies in our business model allow us to pass on those savings and be a pricing leader which translates to lower rates and fees than most lenders can offer all while still be delivered with 5 STAR customer service. Our Technology platform allows us to streamline the loan approval process as well as making your loan closing almost seamless with E-Close. This new innovation enables you to close your home loan on an IPad in minutes and most loans can even be done from the comfort of your own home. Also unlike traditional lending, our Loan Advisors are not compensated by the rates or fees charged on loans. They are solely based on loan closings and customer satisfaction reviews. This approach allows your Mortgage Professional to focus on your specific needs and insure you get the "RIGHT" loan and not just "A" loan. If you like speaking to a live person that truly cares about your needs and having your phone calls answered and returned promptly then you will appreciate what GFM has to offer. GFM’s mission is to provide the highest quality of Service and Integrity to all of the communities and clients we serve in Texas. GFM is Rated A+ with the BBB and has been an Accredited Business Partner since 2005. Call to today and speak with one of our Mortgage Professionals and see the difference!

What they're saying

Ratings & Reviews
273 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

Showing 1 star reviews | Show all reviews


I'm warning you now "DO NOT USE THIS COMPANY"! It cost me an additional $600 and tons of stress engaging this lender!

The senior lending agent I worked with said they would be able to secure financing "easily before our close date". It was not until 3 business days before our close date that I found out, thru my realtor no less, that this lender was probably not going to be able to fund by our close date. 2 business day before our close date the operation manager at this lender called me and said they definitely were not going to meet our funding on the close date, but would probably be able to fund a week later. 1 business day before our close date I was notified they really didn't have any idea when they would be able to fund. I had to scramble at the last minute to find a reputable lender that would provide funding ASAP. Thankfully, I was able to find a reputable lender that had the ability to do what they said they would do which was fund on time and in record time (in only 7 business days).

As a result of this lender not following through on their promises and funding on time, we had to renegotiate our purchase contract which not only caused a lot of additional stress, but also ended costing me an additional $600 since I had to pay the Seller this money due to the fact we had to close a week later.

The only excuse I got from this company was that they were "sorry for the inconvenience" and that they were sorry "that I had miscommunication with my loan officer".

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

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