Our experience with Guaranteed Rate was a nightmare. The communications were bad. They would request documents that we had already provided to them. The review process was ridiculously long with several rounds to underwriting as the processors did not do their jobs completely!! We were told we were approved then they came back with conditionally approved and requested more information. We submitted what was requested and set a closing date. This took FOUR MONTHS!! Two business days away from closing they declined us!!! DO NOT USE THIS COMPANY. read more