Guaranteed Rate

We recently worked with Matt Keane at Guaranteed Rate. From initial contact, rate lock and commitment he was an absolute professional. Extremely knowledgeable and always accessible. Wed highly recommend Matt as a go-to lender and all-around person of great character. Thanks very much Matt!
Jul 3rd, 2022

Great experience working with Jon and his team. Very responsive and professional and the mortgage process was quick and efficient.
Nov 5th, 2021

Terrible experience with the loan coordinator. The amount of times we had to resend her documents that we had already sent, it felt like she was messing with us. I dont know which is worse - someone purposely sabotaging a deal for some unbeknownst reason, or that someone can be that unwilling to do their job and could cost someone losing a deal on such a huge purchase. She was difficult to work with and difficult to get in contact with. We were unbelievably patient and respectful the whole way through. Emails and calls would go unanswered until days later when she wanted to ask for things again that she already had. She kept moving the goalpost. We provided what she asked for, and then it wasnt enough. I would never work with this company again and I warn anyone against using them. The amount of stress she caused us spoiled the whole experience. One bad apple spoils the bunch. I believe the deal only went through because we had to go around her and work with her supervisor to make things work.
Jan 29th, 2024

I am glad the process is over but if I have to do it again guaranteed rate won't be my lender of choice. If you are in a better position and can shop around do it. Or wait until things are better creditwise cause they will use any weakness to squeeze you. It is all about the commission. You get charge broker and origination fees. Also DO NOT GIVE THEM ACCESS TO YOUR ACCOUNT. If you decide to you might want to have a specific account for that. After agreeing upon 20% down. They waited until about 3 days before closing to tell you that you have to put down 30% because you have the fund. You will be left dry. As you know any purchase will eventually require some expenses after all is said and done. The timing is done in a way you can't back out of the deal because you are risking loosing your earnest money. The blindside is real
Nov 19th, 2023

My advice, go elsewhere. In my recent situation, they did not have their client's best interest in mind. Their approach is CYA, "that's not my job/responsibility". It's sad, actually. To have such an estranged relationship with your job, when it's an industry that affects people's lives. If you choose to proceed with them, best of luck! If you need context, they were slow to reply, vague in communication throughout the process, but ultimately what put the icing on the cake was that they withheld information (Appraisal value didn't meet the VA Renovation Loan amount) from me until after "the loan approval deadline" that was set forth by my realtor/title company located in FL, and let me know of this info after the deadline. Why? because as they saw it, my husband and I were approved for the purchase price, not the renovation piece. The impact? I couldn't get my escrow of $3327 back from my title company. They knew the deadline, and the consequences, and one would think they would be considerate and inform me of the information prior to, but no. Not a care in the world. Now legally, no they are not liable, but ethically? It's a sleezy move. I would call out the exact people I worked with but honestly, I've managed accounts in the Ad Tech industry for 17 years, and one thing is for sure: when an employee acts unethical, it's embedded in the organization. So just stay away from Guaranteed Rate! They really deserve no stars but this site mandates at least one to post this review!
Oct 4th, 2023