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  Guaranteed Rate Mortgage Refinance

Guaranteed Rate Mortgage Refinance

in Mortgage Refinance from Guaranteed Rate · NMLS ID #2611

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Guaranteed Rate Mortgage Refinance

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in Mortgage Refinance from Guaranteed Rate · NMLS ID #2611

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users are unsure
0 users don't recommend
Browse Reviews: 1 Recommendations | 0 Complaints
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Highlights
Community Rating

Rating not yet determined  
Loan Amount Up to $5,000,000
Loan Term (Years) 15 - 30 years

Guaranteed Rate Mortgage Refinance Review

Guaranteed Rate Mortgage Refinance is offered by Guaranteed Rate (NMLS #2611), a direct lender founded in 2000 and based in Chicago, IL. Guaranteed Rate Mortgage Refinance is available in 50 states (and Washington, DC).

Key Takeaways
  • 3 different mortgage programs offered. Guaranteed Rate Mortgage Refinance refinances FHA, FHA 203k, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. Guaranteed Rate Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Guaranteed Rate Mortgage Refinance Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Charges an origination fee.
  • Charges prepayment fees.
Guaranteed Rate Mortgage Refinance FAQ

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

The term of a mortgage refinance will impact 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 Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does Guaranteed Rate Mortgage Refinance charge a mortgage origination fee?

Yes, Guaranteed Rate Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Guaranteed Rate Mortgage Refinance offer?

Guaranteed Rate Mortgage Refinance 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 Mortgage Refinance allow?

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

  • Primary home
  • Secondary homes and vacation properties
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 7:00pm
  • Tuesday 8:00am - 7:00pm
  • Wednesday 8:00am - 7:00pm
  • Thursday 8:00am - 7:00pm
  • Friday 8:00am - 7:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Guaranteed Rate

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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
APR Starting at 3.342%
Loan Term 15 - 30 years
Loan Amount Up to $5,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • VA
Terms 5/1, 7/1, 10/1, 15, 30 years

Guaranteed Rate Mortgage Refinance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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