Guaranteed Rate

We used Jennifer Fairfield to help us with the purchase of our new home. She was wonderful. She spent a lot of time with me on the phone getting the pre-​approval set up before we were even in Colorado. She did a great job of explaining the process, was super patient and was able to get our approval done much earlier than the normal 30 day time. She also gave us a great low rate. When we are ready to refinance, we will definitely be seeking Jennifer out to complete the loan.

I am only giving Guaranteed Rate a 1 because I can’t give them a 0. We had to use this lender in order to get a credit for closing on the property. I agree with Louis K. Unprofessional, very complicated, lots of paperwork (we submitted more than 85 documents), higher rates, higher fees, and inflexible. The first go-​round, the broker and her back office demanded that we sign incorrect documents and said they’d «fix them later.» That’s a violation of the law. Period. When you sign those documents, you are attesting that you are answering the questions truthfully and to the best of your ability. And then Guaranteed Rate told us we needed to sign documents that were clearly incorrect (aka, false). The excuse? It’s so hard to change and it will take H more than 2 hours of work. Do yourself a favor and find someone else who is knowledgeable and willing to get things correct. There are a lot better mortgage companies out there with less hassle and much lower fees. In fact, we anticipated that our closing would be delayed (yet again), and the broker said that if we delayed closing, it would hurt her commissions. That’s all Guaranteed Rate really cares about — the broker’s commissions and their high fees.

I had the occasion to submit a loan application to Kym Poladski, Pearl St., Denver, CO with Guaranteed Rate in November, 2013. She was referred to me by my real estate agent, so I agreed to sign a $ 500 non refundable application fee to process the loan. As it turned out, she could not underwrite the loan and six months later, the $ 500 charge shows up on my Visa card. I would not use her or anyone associated with Guaranteed Rate as there are so many lenders that do not charge a non refundable fee. By the way, I was able to get a loan with much less hassle than I received from Guaranteed Rate.

Mary Steinmeyer with Guaranteed Rate is absolutely wonderful to work with. Definitely a top notch professional that makes all your mortgage transactions smooth and seamless. She is on the ball with everything and you never feel like you are left hanging. Responses are quick and she definitely takes advantage of what technology has to offer these days. Mary has taken care of two Refinances for me and now taking care of the finances on a second property. Without a doubt Mary with Guaranteed Rate will be my first and only stop when it comes to finances related to property. All in all rates are beyond fair and definitely can’t beat the quality of service. A++++++