Guaranteed Rate

I give three stars, and not fewer, because of Rick Waldron and his fantastic work. Rick was reliable, creative, very personable, and worked so very hard to help my husband and i obtain our first mortgage, on shaky ground, with moderate income and not great credit. Rick went above and beyond for us.
Unfortunately, the underwriting policies and other staff working with him made clear to us that our possible loan was pennies to them, that we weren’t worth their time or effort. I realize now that a big lender really isn’t the right place for people in our situation. They’ll eat you up and spit you out. At one point, they actually told me that I had to provide confidential client information (confidential per HIPPA laws) in order to back up my mileage log, that they also requested.
Once I realized they were actually asking me to risk my livelihood to obtain, the loan I wouldn’t get if I ended up losing my job… I decided to cut bait.
We went with a small credit union and got a fantastic loan with a significantly more manageable payment and rate than we were offered with Guaranteed Rate.
They weren’t working with great circumstances– this is our first home, we have moderate income, a ton of student debt, and marginal credit history. But the way the staff handled us, we felt like second class citizens. That is, with the exception of Rick.

Chris Niland was amazing from start to finish. Helped us get our FHA loan and closed the deal in under 25 days. We were brand new to this process and he patiently walked us through everything. I’ve heard horror stories about how much of a nightmare it could be and it was the opposite. Ended up getting a better rate and he got my another 7k off of my closing costs. The whole team was prompt with follow up and we couldn’t have asked for any better service. They really care about the customer and made sure we were taken care of from day 1 until the day we closed. They even called a week after to check in to make sure we didn’t have any more questions or needs. Will use again and recommend to all of my friends.

I just refinanced with Guaranteed Rate and am thrilled with the outcome and the process itself. With the current trends in the market my RE agent suggested I call Kevin which I did. Kevin was so absolutely clear on all the options, of which there were several. He knew the trends of the moment and suggested a I lock a rate that day. Good thing, as they went steadily up after that.
The process also was very clear. Sara in the office was very helpful anytime I had a question. Not only did I save a substantial amount on my monthly payment, but every step of the way I was dealing with highly intelligent and personable people. I highly recommend them to anyone.