Let's find the perfect mortgage for you
Let's find the perfect mortgage for you
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Who is Guaranteed Rate?
We’re one of the largest retail mortgage lenders in the nation, funding $23 billion in home loans during 2016. We aim to win your trust and your business through a genuine desire to serve you, evident by our 95% customer satisfaction*.
- A low, low rate on the right mortgage product, along with transparent, fair fees.
- Technology that streamlines the mortgage process and simplifies each step.
- Unmatched service and expert advice to help you find the perfect mortgage.
How long does it take to apply?
You can apply in a matter of minutes using our Digital Mortgage, which provides a real approval* from Freddie Mac or Fannie Mae. You’ll also receive your credit scores* from all three credit bureaus. As your loan progresses, the Digital Mortgage allows you to securely upload and digitally sign your loan documents.
If you’re not yet ready to apply, you can explore your options in 60 seconds or less using our Intuitive Loan Finder. It’s a quick, effortless way to check rates and sort by lowest monthly payment, lowest interest rate or the right loan term.
What if I don't know which type of mortgage I need?
There are two main types of loans: Fixed and adjustable rate mortgages (ARM). As their names imply, fixed rate mortgages, a popular long-term option, involve the same interest rate for the entire term, which is commonly 30 years. ARMs, on the other hand, have a set rate initially that is subject to change after a predetermined amount of time, typically five, seven or ten years.
Which one should you consider? It depends on your financial situation, how much you have saved for a down payment, how long you expect to be in the property and what other factors are important to you (lowest rate, lowest monthly payment, shortest loan term, etc.). Familiarizing yourself with a variety of loan options—including jumbo, FHA and VA—will serve you well as you weigh your options.
How do I determine what rate and loan term to select?Your home loan’s monthly rate, payment and term are important elements to consider and Guaranteed Rate’s Intuitive Loan Finder makes it easy to arrive at a decision.
Regardless of how much or how little you know about the mortgage process, you should have a firm understanding of your monthly budget and how much you can afford each month for a payment. Going for the lowest rate, lowest monthly payment or shortest term starts and ends with that figure in mind. Being on top of your game financially will make conversations with your loan officer that much more efficient and productive.
What if I have questions about my application?
If you need help with a loan in process, contact us at (773) 328-6467 from Monday through Friday, 8:30 am to 5:30 pm CST. You can also email CustomerCare@rate.com.
*95% Customer Satisfaction: Data Source: Guaranteed Rate’s Client Satisfaction Surveys (Averaged 2007-2016)
*“Real Approval” means an automated underwriting system approval based upon credit information supplied by applicant and subject to Guaranteed Rate’s review of loan documents. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and visit www.rate.com/restrictions for more information.
*Sample monthly Principal and Interest (P&I) payment of $1502.21 is based on a purchase price of $300,000, down payment of 20.00%, 20 year fixed rate mortgage and rate of 4.375%/4.544% APR (annual percentage rate). Advertised rates and APR effective as of 05/22/18 and are subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Actual payment obligation will be greater. Not all applicants will be approved. Restrictions apply. Contact Guaranteed Rate for more information and up to date rates.