Guaranteed Rate

★★★★★
The Home Purchase Experts
  • 3940 N Ravenswood Ave

    Chicago, IL 60613

    Map & Directions
  • 866-934-7283

About Guaranteed Rate

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Hours
Monday - Friday 8:30AM - 5:30 PM (CST)
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Finance

Finance
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I am a successful Loan officer and was recommended to Guaranteed rate as a Mortgage Banker worth considering for employment. I must say, my experience with them was terrible. I was set up to talk with Joe Phalen. After a brief discussion

3
★★★★★

I am a successful Loan officer and was recommended to Guaranteed rate as a Mortgage Banker worth considering for employment. I must say, my experience with them was terrible. I was set up to talk with Joe Phalen. After a brief discussion

.

What a horrible experience. I had them take care of two transactions for me. The refinance of a house, and a purchase of a different house about a month apart from each other. They made mistakes on both. Not small mistakes. For my purchase, they waited until the last minute (literally) to finally have my loan go through underwriting. I was within an hour of losing the deal. They kept telling me everything was ok, then decide they need more info from me, then say they have everything, and then again tell me they needed more info. Then, after we close, I find out they made a mistake and I have to send them over $3k!

Fine, thought that was just a mistake. Mistakes happen, right? Well then off to my refinance. Also, took much longer than what they told us. Told us they have everything needed, then again, they needed more info, and that happened a few times. Finally we're closing, and the title company finds mistakes while at the closing table. They get them corrected, and it's done. . . so I thought. We find out that they gave us over $3k more than they should of at the time of closing! WTF. How can they make the same mistake twice? So, they demand we drive to their office with a certified check because their check was already deposited into our bank account. Well, we go to the bank to get a certified check, and find out they stopped payment on their check, and the money was already taken out of my account. How can they stop a check if it's already been deposited? They did somehow and never told us. We get in contact with them and the title company, and the title company told us they told guaranteed rate that they would be stopping payment of the check. Well that would have been nice to know. Plus, Guaranteed Rate told us to bring them a check. . . . why would they tell us to bring them a check if they knew they were stopping payment?

Long story short, they're all idiots and I very highly recommend using someone else! Trust me, it's not worth going with them at all!!

1
★☆☆☆☆

What a horrible experience. I had them take care of two transactions for me. The refinance of a house, and a purchase of a different house about a month apart from each other. They made mistakes on both. Not small mistakes. For my purchase, they waited until the last minute (literally) to finally have my loan go through underwriting. I was within an hour of losing the deal. They kept telling me everything was ok, then decide they need more info from me, then say they have everything, and then again tell me they needed more info. Then, after we close, I find out they made a mistake and I have to send them over $3k!

Fine, thought that was just a mistake. Mistakes happen, right? Well then off to my refinance. Also, took much longer than what they told us. Told us they have everything needed, then again, they needed more info, and that happened a few times. Finally we're closing, and the title company finds mistakes while at the closing table. They get them corrected, and it's done. . . so I thought. We find out that they gave us over $3k more than they should of at the time of closing! WTF. How can they make the same mistake twice? So, they demand we drive to their office with a certified check because their check was already deposited into our bank account. Well, we go to the bank to get a certified check, and find out they stopped payment on their check, and the money was already taken out of my account. How can they stop a check if it's already been deposited? They did somehow and never told us. We get in contact with them and the title company, and the title company told us they told guaranteed rate that they would be stopping payment of the check. Well that would have been nice to know. Plus, Guaranteed Rate told us to bring them a check. . . . why would they tell us to bring them a check if they knew they were stopping payment?

Long story short, they're all idiots and I very highly recommend using someone else! Trust me, it's not worth going with them at all!!

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What a horrible experience. I had them take care of two transactions for me. The refinance of a house, and a purchase of a different house about a month apart from each other. They made mistakes on both. Not small mistakes. For my

3
★★★★★

What a horrible experience. I had them take care of two transactions for me. The refinance of a house, and a purchase of a different house about a month apart from each other. They made mistakes on both. Not small mistakes. For my

.

I found Guaranteed Rate through Lendingtree, and was amazed at what a great job they did. Todd and his Mortgage Consultant Gladys helped us with our purchase 2 years ago and a refinance just last month. They were by far the best price and the communication was spot on. Thus, why we worked with them again. I highly recommend Guaranteed Rate.

5
★★★★★

I found Guaranteed Rate through Lendingtree, and was amazed at what a great job they did. Todd and his Mortgage Consultant Gladys helped us with our purchase 2 years ago and a refinance just last month. They were by far the best price and the communication was spot on. Thus, why we worked with them again. I highly recommend Guaranteed Rate.

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I recently refinanced my home with Guaranteed Rate. I worked with Joe Caltabiano and his team after being referred to them by my cousin. Naturally, being a mortgage company and all, I was wary going in to the ordeal. I have to admit though, my experience with Joe's team was awesome. Not only did the loan process go smoothly (I was closed in under three weeks) but Joe's staff was always available to answer questions and address concerns (I talked primarily with Nikki and Corbin). Our experience overall was unforgettable and I would gladly recommend Joe and his team to anyone looking to buy or refinance a home.

5
★★★★★

I recently refinanced my home with Guaranteed Rate. I worked with Joe Caltabiano and his team after being referred to them by my cousin. Naturally, being a mortgage company and all, I was wary going in to the ordeal. I have to admit though, my experience with Joe's team was awesome. Not only did the loan process go smoothly (I was closed in under three weeks) but Joe's staff was always available to answer questions and address concerns (I talked primarily with Nikki and Corbin). Our experience overall was unforgettable and I would gladly recommend Joe and his team to anyone looking to buy or refinance a home.

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I recently closed a loan with Joe Caltabiano and his team Nikki and Corbin through Guaranteed Rate. The entire experience was by far the best one I have ever had in regards to mortgages. The team was super friendly and easy to work with. They got the process done in good time and I feel like I got a great deal. I mostly talked with Corbin, he was always available to answer any questions or concerns I had. I would definitely use the company (Joe's team) when it's time to refinance and would recommend them to anyone.

2
★★★★★

I recently closed a loan with Joe Caltabiano and his team Nikki and Corbin through Guaranteed Rate. The entire experience was by far the best one I have ever had in regards to mortgages. The team was super friendly and easy to work with. They got the process done in good time and I feel like I got a great deal. I mostly talked with Corbin, he was always available to answer any questions or concerns I had. I would definitely use the company (Joe's team) when it's time to refinance and would recommend them to anyone.

Pros: staff was polite and always answered questions, good rate

Cons: none

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I met Scott after a family member had refered him during a refinance earlier this year. They had also used Scott when they bought some years back and told me that he was super reliable. I was a first time home buyer with no idea about closing cost, title, insurance and all that fun stuff. Like most people i shopped around for the cheapest rate before meeting with Scott so I would have som gun powder going into his office. It took Scott less than 20 minutes to lock me into a much lower rate. (i was pre qualified in less than 15 minutes and we got the same rate as he told me the first time) His rates are low and most importantly so are the mortgage rate they gave me. I have told 3 friends who are in the market right now to contact him. Scott is 100% profesional, but he is not a dry broker with just dollar signs in his eyes. He followed up during every step. Believe me, he is on my speed dial now :) I Am not sure what else i can say about Scott, but there is no one else i would trust handling my mortgage!If you are buying or just refinancing, give him a call!

The absolute lowest rate in the market and customer service skills like no one else i have ever met.

Top notch.

Thanks from both us Scott :)

2
★★★★★

I met Scott after a family member had refered him during a refinance earlier this year. They had also used Scott when they bought some years back and told me that he was super reliable. I was a first time home buyer with no idea about closing cost, title, insurance and all that fun stuff. Like most people i shopped around for the cheapest rate before meeting with Scott so I would have som gun powder going into his office. It took Scott less than 20 minutes to lock me into a much lower rate. (i was pre qualified in less than 15 minutes and we got the same rate as he told me the first time) His rates are low and most importantly so are the mortgage rate they gave me. I have told 3 friends who are in the market right now to contact him. Scott is 100% profesional, but he is not a dry broker with just dollar signs in his eyes. He followed up during every step. Believe me, he is on my speed dial now :) I Am not sure what else i can say about Scott, but there is no one else i would trust handling my mortgage!If you are buying or just refinancing, give him a call!

The absolute lowest rate in the market and customer service skills like no one else i have ever met.

Top notch.

Thanks from both us Scott :)

Pros: Price, person, professionalism

Cons: none what so ever

 

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