See RatesSecure site · Updated July 2026
- Sample APR
- 6.82%
- Min. down payment
- 3%
- Loan types
- Conventional, FHA, VA, USDA, Jumbo
- Min. credit score
- 620
Why it stands out
Guaranteed Rate highlights
- Digital Mortgage app with same-day approval
- Local loan officers in most metro markets
- Full lineup including FHA, VA and USDA loans
- FlashClose lets you e-sign most closing documents
The verdict at a glance
Pros and cons
Pros
- Good balance of self-serve tools and human support
- Wide product range for nearly any borrower
- Transparent rate quotes online
Cons
- Lender fees can add up depending on your branch
- Closing times slow down during high-volume months
Our full review
Our take on Guaranteed Rate
Guaranteed Rate pairs a solid online platform with a nationwide branch network, so you can start on your phone and finish with a person. Pricing is middle-of-the-road and closing timelines can stretch during busy periods.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Guaranteed Rate’s own site before you apply.
The alternatives
How Guaranteed Rate compares
Other top-rated lenders in Mortgage Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample APR | Best for | |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 6.74% | Best all-around online mortgage lender | See Rates | |
| 2 | Better | 6.61% | Best for low fees and fast pre-approval | See Rates | |
| 3 | SoFi | 6.69% | Best for members with strong credit | See Rates | |
| 4 | Veterans United | 6.58% | Best for veterans and active military | Get Quote |
- Rocket Mortgage4.9Best for Best all-around online mortgage lender
- Better4.7Best for Best for low fees and fast pre-approval
- SoFi4.6Best for Best for members with strong credit
- Veterans United4.5Best for Best for veterans and active military