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Guaranteed Rate

in Mortgage Refinance

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Guaranteed Rate

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in Mortgage Refinance

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Overview

Where does Guaranteed Rate do business?

Guaranteed Rate is a direct lender based in Chicago, IL. The company was founded in 2000 and offers mortgage refinancing to borrowers in 50 states across the USA (and Washington, DC).

What is the maximum loan term for a mortgage refinance via Guaranteed Rate?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Guaranteed Rate offers mortgages refinancing with terms ranging from 15 to 30 years.

Does Guaranteed Rate charge a mortgage origination fee?

Yes, Guaranteed Rate may charge a loan origination fee.

What mortgage programs does Guaranteed Rate offer?

Guaranteed Rate offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Guaranteed Rate allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Guaranteed Rate allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Other Services by Guaranteed Rate

Availability

Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Loan Amount
Up to
$5M
Loan Term (Years)
15 - 30
3 40
APR
Starting at
3.342%

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