Our Growth

Since opening our doors in 2000, the Guaranteed Rate philosophy has spread like wildfire. Today, Guaranteed Rate is one of the largest independent mortgage companies in the country. Loan volume has grown to a total of $6.9B in 2010, and we now lend in 44 states with nearly 1300 employees.

Consumer Centric Lending

Guaranteed Rate was founded to do what most mortgage companies don't: Advocate for the Borrower. When our customer wins, we win!

Aggressive Rates & Terms

Better loan terms not only help you achieve the dream of homeownership, but our borrowers' loans perform well above national averages, and the resulting investor demand enables us to offer even more aggressive rates to new borrowers.

Transparency & Consistency

Our fees are low and consistent, and we won't offer you a loan that you don't understand. Our goal is to make sure you fully understand everything about your loan and the loan process.

Best-In-Class Service

Your loan isn't going to get lost in the shuffle. Guaranteed Rate employs the right professionals who will work with you to understand your loan and get it closed when you need it. Guaranteed Rate consistently has over a 96% customer satisfaction rating, and we're never satisfied unless we reach 100%.

About Ricardo and His Team

Ricardo and his team have consistently ranked in the top 1% nationally in terms of mortgage loan production over the last 5 years. They have assisted homeowners obtain over $1 billion worth of mortgage loans in only the past 10 years. Their proven track record, experience, market foresight and consistent adaptability in an unpredictable industry have aided Guaranteed Rate in becoming “America’s Fastest Growing Mortgage Company”.