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July 2024 by April Jones
Great loan officer team! Efficient processes and follow up!
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July 2024 by Jennifer Young
I’ve used Guaranteed Rate as a preferred lender for my real estate clients for over 10 years. I highly recommend them to get the job done and and as a Realtor, I feel confident when our closing day is set.
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June 2024 by Joseph Jones
Fine group of folks, honest and trustworthy. Lowest rates in town!
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June 2024 by Stephanie Maxwell
Do not use this company for your mortgage. They will say anything to get you to sign on the dotted line. They even promised they would not sell our loan (which was a major concern of ours and one of the reasons we went with this lender in the first place) and then within 6 months, they sold it off to another company.
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September 2023 by vicky Gill
JD did an awesome job with our mortgage! The team was efficient and friendly! They was very helpful when we had trouble downloading required documents to the portal. We Highly recommend!
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May 2023 by thanh nguyen
Guaranteed Rate company giving out option for me to complete the application but they can't provide the loan instead of giving up so I could looking for my other lender. And I lose my deposit because I expect them to give me the loan.
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April 2023 by andreea lx
Excellent experience! They are very professional, knowledgeable, fast and always had our best interests in mind! For our second home, even though it is in Florida, we chose to work with the Wilmington, NC team because they are the best!
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April 2023 by Nitya Thompson
I would definitely recommend Adam and his team! They went over our options and helped my husband and I get the best rate possible. They were always on top of communicating and was thorough with any questions we had. Throughout this process, I felt informed and at ease. Thank you Adam and team for making this such a smooth process for us. We are beyond grateful!
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October 2022 by Kia Gattison
If I could give zero starts I would. If you are considering using this mortgage lender as a buyer STAY AWAY!! If you are selling your home and your buyer has this lender STAY FAR FAR AWAY.. better yet RUNNNN. The first word that come to mind when I hear guaranteed rate is JANKY. This lender is horrible!!!! We put our home on the market July 24th, by the 29th we had an offer! Our due diligence period ended on August 18th. By that time we had done all inspections, all protocols, and according to this lender our buyers were good to go! Our closing date was supposed to be August 31st. We had no communication, and no idea what was going on from the time we were told everything was good to go until August 30th!! We had to hound for information and were basically avoided. Closing did not happen on the 31st, they pushed the closing date back , and back again. Told us everything was approved by underwriting, and then after the second push back and over 40 days later… denied our buyers!!! Thankfully they were able to switch lenders and were approved in less than 2 weeks! Stay away from these ppl, and after reading other reviews I can say I wish I had read the reviews first!!! Buyers and sellers beware!!!
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September 2022 by Donna Emery
I highly recommend Dustin Hewett. Very easy to work with, communicate with, and very professional. All the people I felt with there were very professional.
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August 2022 by Devin Sprinkle
I highly recommend Guaranteed Rate, Adam Slack and his team. They were very detailed in instructions, explained the process along the way, and were very timely with communication when I had questions. They completed all paperwork quickly and had me all wrapped up earlier than closing. They made my home buying experience extremely pleasant. High five and great job guys!
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August 2022 by Colleen Keefe
Suzanne Neblett and Lori James responded to our to our mortgage questions with knowledge, expertise and timeliness. They explained the mortgage process and related requirements thoroughly and they were pleasant to work with!
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October 2021 by Jarod Blakeman
After reading through these reviews, I'm sure that the local realtors around here are getting kickbacks or some sort of profit share with GR. Our realtor recommended Patty Davis for our home loan in 2019 and we will never work with GR or our local Century21 Agency again.While I understand that the position in which my wife and I were in at the time was definitely less than ideal for getting a home loan (very little available for down payment and poor to fair credit), we completed every document pull and financial discovery request and were constantly told different things. At one point we were given that we'd only need $700 to close; then it would be another number from another GR representative a few days later. When we were finally able to close, we were told less than a week before the closing date that we had to have a buffer of 2 months worth of mortgage payments in our accounts to get approved. We were able to make this happen and then the day of the closing we were told TWO HOURS prior to closing that we needed a cashier's check so that involved an hour drive to and from Wilmington (from Holly Ridge) to get this from my bank.The worst part is that before things even got to their worst, Patty wanted to push us off on another lender to avoid a bad review. After speaking with some other people in person who had similar issues with the company and the plethora of negative reviews, I decided to go ahead and share our experience now that we no longer have any dealings with this company.
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September 2021 by Hunter Cribb
Absolute worst experience ever.
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September 2021 by Amber B
I would give Guaranteed Rate NEGATIVE stars if possible. The entire communication during the home buying process was a complete mess. Either my emails were completely ignored or there were so many people involved it was hard to keep straight who was doing what. When I raised questions to the main consultant Amanda, I was told on several occasions to “trust the process my team knows what they’re doing.” I am an informed consumer. I like to know every step of each process along the way because the more I know, the less surprise factor I have to deal with.
When my first mortgage payment was due, I was sent the statement of what was owed that month and it was wrong. So emailed the GR consultant that I worked with. She confirmed the rate that I was given on my closing disclosure (different from the first statement). We pay our mortgage online and even the online database showed the wrong amount. It took almost a week to get this corrected so I could finally make my mortgage payment in the correct amount. They had “no idea” how this could happen.
7 months after the purchase of my home, I got a threatening letter from the county indicating they never received payment for property tax and gave me an unrealistic deadline of when the payment needed to be received. They threaten to announce in the newspaper, garnish wages, and even seize my property! When we were in the buying process, we were told that 1 year of taxes needed to be prepaid and that’s what we thought we did. So imagine my horror and surprise when I read the county’s letter. The previous owners didn’t pay their part of the taxes for the time they owned the house (6mo for that year) either.
It took me 6 phone calls to get a human on the phone with GR because the original consultant no longer works there and I couldn’t find the right number to call. No one provided me a direct number for them so each time I called back I got a new person and I had to explain the whole thing over again. It was excruciating. A couple reps explained that taxes were collected in escrow but couldn’t help me directly. Another told me taxes weren’t collected. Someone mentioned two months collected at closing. Nothing consistent. Two reps I spoke with were very nonchalant about how I can make the payment to the county. My options were to pay the due taxes out of pocket or pull from my escrow account which would make my mortgage payments increase for a year. Neither option worked for me. This was not my mistake, yet I have to pay for it. So sticking to their shady business of just ignoring important communication, here we are still waiting for a reply from the last rep assigned to my case.
GR never collected the proper amount of taxes at closing which resulted in us having to come up with 10 months of overdue taxes in 20 days or we get slandered publicly for failing to pay them. No one at GR has taken responsibility/ admitted fault or apologized. I (the consumer) should have caught the mistake on the closing disclosure (first time home buyer, that document is confusing) before signing. This passed through so many hands at GR and the attorneys office and NO PROFESSIONAL caught it. How was that my responsibility to be sure the pros were doing their job to be sure I didn’t get screwed in the end?
As soon as we can afford to refinance, we will be high tailing it out of GR and I will be sure every person I know who is looking to buy a house steers clear of this incompetent company. This was such an epic mess up that even my real estate agency (a well known, nation wide company) will no longer support them either.
