Resources for resolving common issues with Guaranteed Rate products and services
You can reduce the number of unwanted calls from Guaranteed Rate you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
Guaranteed Rate Mortgage loan servicing, payments, escrow account October 26, 2016 - I received a letter from Guaranteed Rate stating that I have not provided " Hazard Insurance '' for my home located at - - - - - IL -. They paid the bill and received the rider for the insurance in - from escrow. We have a previous complaint that was filed although they replied with a resolution it was not just. At this point they are just harassing me for no reason at all. I will attach a letter from Guaranteed rate that specifically recognizes the coverage and yet we receive letters requesting proof of insurance. Also, I will attach the invoice that was paid out of escro... |
Guaranteed Rate Mortgage application, originator, mortgage broker May 31, 2016 - I applied for a refinance -/-/2016 through Guaranteed Rate. They said I was pre qualified for a - refinance. They just needed $400.00 for appraisal. I was told I was to receive the report same day they received it from appraisal company. That was almost a Month ago. I reached out today about the delay. My mortgage broker said they were n't moving on with the mortgage. Houses in my area are selling between $300000.00 and $400000.00. I told her if she was pulling out of the deal and still had n't provided me with the report, I wanted my $400.00 back. Her response was they had n't ch... |
Guaranteed Rate Mortgage application, originator, mortgage broker May 26, 2016 - Please investigate mortgage loan application # - with Guaranteed Rate. The loan officer, - - and his boss, - - have refused to following federal/state guidelines concerning employment and grant assistance. Specifically, - and - - -, 2016 responses regarding - full time employment requirement are inconsistent with the - income regulations. Guaranteed Rate has misled me ( and Seller ) with pre-approval process. The company has discriminated against me by refusing to honor Indiana 's - - - assistance program. In reliance of Guaranteed Rate 's misleading s... |
Guaranteed Rate Mortgage settlement process and costs May 13, 2016 - The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over $3500.00 more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us $810.00 for an extended rate lock guarantee. This was not discussed and closing was held up by their in... |
Guaranteed Rate Mortgage loan servicing, payments, escrow account April 26, 2016 - Guaranteed Rate Mortgage Company has blocked my request for application to remove PMI from my mortgage loan. They have also not made payment from escrow to pay for my property flood insurance. I have included a dated paper trail of my request. I emailed on - requesting PMI removal from my loan due to its increased value above the 75 % LTV thresh hold. I included both a pre and post renovation and improvement appraisal showing the home was worth - and is now valued at -. The mortgage note was 3 % down on a purchase price of -. My current note payoff is approx -. My calculations p... |
Guaranteed Rate Mortgage application, originator, mortgage broker April 6, 2016 - While shopping for a loan I spoke with many lenders to try and find the best rate and fees for my refinance. Guaranteed Rate received an application over the internet from me, but I made it clear I was not moving forward with their firm. Every day I receive an application package to sign and so does my wife. The first instance was well after I first entered our family 's information and had already chosen another lender. We now receive daily prompts to sign our application and full initial disclosure package. This was very confusing and misleading at first. Now, it is a nuisance. Guaranteed R... |
Guaranteed Rate Mortgage application, originator, mortgage broker February 17, 2016 - On -/-/-, we heard about a TV commercial to offer the low rate for refinancing. The commercial stated that how easy to apply for home loan online and get a guaranteed interest rate instantly. The commercial does not say anything about the company 's eligibility requirements such as - credit score, - % debt-to-income ratio and - % loan-to-value ratio. If I had known these requirements, I would never have called them or applied for loan. My representative spoke with a Mortgage Specialist of the lender. I was asked to complete an application online. I encountered a system error... |
Guaranteed Rate Mortgage application, originator, mortgage broker December 8, 2015 - - -, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of $8500.00. When I received the loan estimate, it showed that we would have to pay $11000.00 in closing costs. Because the costs of the loan were much different on paper than what - had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, - claims that I owe his com... |
Guaranteed Rate Mortgage settlement process and costs November 10, 2015 - The complaint is against Guaranteed Rate -. There are 3 issues with loan processing and closing cost. 1. Not able to close on-time - Guaranteed Rate had more than 2 months for processing the loan application, There was not a single document delay on my end. I ended up bearing extra rent cost -/-/-, this was solely due to Guaranteed rate 's inability to close on time that they had committed. Application was originated on : -/-/2015Original closing date : -/-/2015Actual closing date : -/-/- 2. Closing cost - I was quoted closing cost to be around $2000.00 ( I have email p... |
Guaranteed Rate Mortgage application, originator, mortgage broker October 14, 2015 - I AM LOCATED IN - ILLINOIS. THIS STATE SEEMS TO HAVE FALLEN OFF THE RADAR FOR REGULATORS. IT ALSO SEEMS THAT OUR STATE REGULATOR- THE IDFPR, DUE TO FEE REVENUE, IS IN THE POCKET OF THE REAL ESTATE ASSOCIATIONS. OVERSIGHT AS A WHOLE SEEMS WOEFULLY INEFFECTUAL REGIONALLY. I SEE A GREAT DEAL OF COLLUSION BETWEEN REAL ESTATE BROKERS AND MORTGAGE COMPANIES IN AN ATTEMPT TO NOT DELIVER VALUE BUT TO CAPTURE MORE REVENUE SHORT FULL DISCLOSURE. WE HAVE MANY COMPANIES THAT ARE TIE INTO EACH OTHER USING 'MSA 'S AS A FIREWALL OR FRONT IN DIRECT VIOLATION OF CONSUMER INTERESTS. SOME OF THE FIRMS I WOULD... |
Guaranteed Rate Mortgage application, originator, mortgage broker September 25, 2015 - I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over $300.00 higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology. ... |
Guaranteed Rate Mortgage loan servicing, payments, escrow account September 22, 2015 - Guaranteed Rate is raising my mortgage payment by $700.00 a month because of the projected escrow amount. My 2014 taxes were paid in one installment rather than two, and they are viewing as only a half year payment and therefore doubling the projected tax amount. I have called numerous ( 6 ) times and spoken with representatives that tell me there is nothing they can do to fix the projected escrow amount even though I have faxed in all of my tax information, to which they also have access to via the - county treasurer. ... |
Guaranteed Rate Mortgage loan servicing, payments, escrow account June 22, 2015 - I have bill pay set up to pay my mortgage monthly to Guaranteed Rate. I have made - payments, and both have been posted and mailed from my account according to my bank -. Guaranteed Rate claims to have not received the - payment, while - has verified that the payment has been sent. Guaranteed rate now has listed my account as delinquent, and charged me a fee of - $.00 ... |
Guaranteed Rate Mortgage credit decision / underwriting April 24, 2015 - Applied for a refinance with Guaranteed Rate back the beginning of - 2014. When a condition was asked for, it was provided quickly. Conditions were asked for numerous times. I had been told that my file had gone through at least - U/W 's. I had applied for a loan amount of $50000.00, and was asked after application docs and required employment docs had been sent, if I wanted to up it to $75000.00, and I said sure! I had assumed that since I was asked that, everything was reviewed, and we had room to go higher. After many emails, stating we were ready to close, there would always be s... |
Guaranteed Rate Mortgage application, originator, mortgage broker April 3, 2015 - Guaranteed Rate, Inc., originated '' a loan on our home -/-/-. Clause # - says if the loan is paid, they are supposed to instruct Trustee to reconvey the house and eliminate all evidence of debt. We sent them a Request of Statement of account, they eventually admitted they had no interest in the property or the mortgage on it--, - times in - -. Suddenly, after we sent the servicer, - -, a QWR on -/-/-, GRI assigned '' the mortgage-via MERS, who has no standing in Nevada-- - -. The assignment was supposed to go into a -, was way too late and ... |