I have used Adam Slack & his team for the past 4 years for many home purchases and refinance. They have great communication, helpful, patient, informative, knowledgeable, & caring. Adam has given me loans when no one else would or could which was amazing. Because of Adam and his team I have 1 rental property and working on my 3rd home. Give them a chance & you will be happy you did. -Dane H read more

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Smooth and efficient process from beginning to end. Adam and his team were always responsive to our questions and concerns. Our refinance was completed in under 2 months. read more

I would give GR NEGATIVE stars if possible. The entire communication during the home buying process was a complete mess. Either my emails were completely ignored or there were so many people involved it was hard to keep straight who was doing what. When I raised questions to the main consultant Amanda, I was told on several occasions to "trust the process my team knows what they're doing." I am an informed consumer. I like to know every step of each process along the way because the more I know, the less surprise factor I have to deal with. When my first mortgage payment was due, I was sent the statement of what was owed that month and it was wrong. So I emailed the GR consultant that I worked with. She confirmed the rate that I was given on my closing disclosure (different from the first statement). We pay our mortgage online and even the online database showed the wrong amount. It took almost a week to get this corrected so I could finally make my mortgage payment in the correct amount. They had "no idea" how this could happen. 7 months after the purchase of my home, I got a threatening letter from the county indicating they never received payment for property tax and gave me an unrealistic deadline of when the payment needed to be received. They threaten to announce in the newspaper, garnish wages, and even seize my property! When we were in the buying process, we were told that 1 year of taxes needed to be prepaid and that's what we thought we did. So imagine my horror and surprise when I read the county's letter. The previous owners didn't pay their part of the taxes for the time they owned the house (6mo for that year) either. It took me 6 phone calls to get a human on the phone with GR because the original consultant no longer works there and I didn't have the right number to call. No one provided me a direct number for them so each time I called back I got a new person and I had to explain the whole thing over again. It was excruciating. A couple reps explained that taxes were collected in escrow but couldn't help me directly. Another told me taxes weren't collected. Someone mentioned two months collected at closing. Two reps I spoke with were very nonchalant about how I can make the payment to the county. My options were to pay the due taxes out of pocket or pull from my escrow account which would make my mortgage payments increase for a year. Neither option worked for me. This was not my mistake, yet I have to pay for it. So sticking to their shady business of just ignoring important communication, here we are still waiting for a reply from the last rep assigned to my case. GR never collected the proper amount of taxes at closing which resulted in us having to come up with 10 months of overdue taxes in 20 days or we get slandered publicly for failing to pay them. No one at GR has taken responsibility/ admitted fault or apologized. I (the consumer) should have caught the mistake on the closing disclosure (first time home buyer, that document is confusing) before signing. This passed through so many hands at GR and the attorneys office and NO PROFESSIONAL caught it. How was that my responsibility to be sure the pros were doing their job to be sure I didn't get screwed in the end? As soon as we can afford to refinance, we will be high tailing it out of GR and I will be sure every person I know who is looking to buy a house steers clear of this incompetent company. This was such an epic mess up that even my real estate agency (a well known nation wide company) will no longer support them either. In response to the automated reply from GR customer care- I have already tried on SEVERAL occasions to work this out and you aren't interested. In fact, I'm still waiting to hear back from the last rep I spoke with. You are a shady business that doesn't deserve to be in operation. I cannot imagine that our case is an isolated incident. Actually, based on these horrid reviews I KNOW it's not. Don't try to act like you want to save us now. read more

If I could give them zero stars it would literally be "too many". My husband and I are professionals, we provided every document within a few hours. We could've bought this particular property outright, but mistakenly decided to get a small mortgage, TOTAL NIGHTMARE. DO NOT ever use this company for anything, not only are they completely incompetent, they will have you travel hours, taking time off work, missing your children's competitions with a promise of a closing that does not happen. My husband and I took off 2 days of work, missed two of our children' competitions because we "had" to be 8 hours away for a closing that did not happen, NOT because we weren't approved. NOT because we didn't provide everything they asked for in a timely manner, but simply because these underwriters are completely incompetent and do not care one bit about you or your life. Just don't go with them. We have purchased NUMEROUS properties (business and personal) and NEVER dealt with the complete and utter lack of professionalism as this company. I don't care how nice the initial person you talk to is, HE or SHE is not the one that does the underwriting, remember that, and GO elsewhere. read more

This is not the same guaranteed rate I used several years ago when I purchased my first house. Back then the service was amazing and my purchase went quick and easy. But now the service I once knew wasn't there when I went to them to purchase a 2nd home. Their customer service was terrible... I wasn't kept informed about important matters unless I kept pushing and was kept out of the loop. The process was taking way too long. My wife and I had everything ready(great credit, funds, etc) but the only excuse they used was "we're waiting on a piece of paper to be amended " I kept asking what paper and why it was needed? Because of my due diligence, I discovered through going to the corporate headquarters that the company accepts ONLY 100% replacement policies from condos (like we were trying to buy) and the condo board had an industry standard 80% coverage. So instead of informing us that guaranteed rate doesn't accept those insurance policies, they kept it quiet and dragged things out trying to get the condo board to buy MORE insurance instead of notifying us and giving us an opportunity to go elsewhere to seek a mortgage, they wasted several weeks of precious time nearly costing us our down payment and the property. Once I discovered their corporate policy, I was forced to look elsewhere with no time to spare. Purchasing any property is stressful enough on both the buyers and sellers but not being forthcoming about their policies and information being kept away from us, added to the stress by tenfold! Like I said, they are not the guaranteed rate I once knew... and will never use again. read more

Wonderful opportunity to refinance with this company. Caroline Maultsby explained all of the details to make this transaction go very smooth and fast. read more

I felt that Adam Slack put forth an effort and quickly responded to my phone calls, emails, and questions when trying to gain my business (I was interviewing multiple lenders at the time), and I was grateful for his willingness to work with me in my unique situation. But once I decided to use him it was difficult to get any calls, emails or questions answered from him. As we got closer to closing, it got worse. When I had a concern or question, I sent several emails and left voicemails. He wouldn't respond or get back to me for several days. When I called the office to speak with him, I spoke with a different person every time and Adam was always "on the phone with another client." He would never call back. Sometimes, he would have someone else call me or email me. It almost felt like he tried to avoid having to talk to me throughout the process. One of the selling points of going with Guaranteed Rate, something Adam had warned me about with other lenders, was that they wouldn't slip in any extra fees late in the closing process. As I got updated closing disclosure documents to sign as we approached our closing date, I noticed some extra fees. I wouldn't sign any documents until I got clarification and possibly remove the extra fees. When I didn't get any response for almost a week, and thus the documents were left unsigned, I got blamed for not signing the documents in a timely manner and Guaranteed Rate would have to delay closing. I will give credit to Adam for removing these unexpected fees, but getting them removed was like pulling teeth trying to get in touch with him and his team. We did eventually close on time, for which I am thankful. If I had a choice to switch to another lender so close to closing date I would have, but we didn't want to lose the house. Maybe my interaction with Guaranteed Rate was an exception, as they have good reviews, but I will not use them on future real estate ventures nor will I recommend Guaranteed Rate or Adam Slack to anyone. read more

Chris Hutchens and his team are amazing! We were obtaining financing for the first time in many years and were very impressed by the friendliness, knowledge, and professionalism of everyone we dealt with at this office. All questions were answered immediately and completely. They all made the process go so smoothly that they have my utmost thanks. I can definitely give them the highest recommendation. read more

Guaranteed Rate Inc. and Adam Slack are the best team anywhere and I would and will highly recommend them to other potential homebuyers. I could not have accomplished any of this by myself. The patience, concern for my well being and sound, true and upfront advice that was given to me proved to be in my best interest. The end result of the entire process was easy and painless. I am one happy new homeower. read more

I would highly recommend Guaranteed Rate! A friend of mine who is a realtor, recommended them when I didn't know who would be good to take on my new home loan. They truly are wonderful as they were friendly, very professional and worked diligently to have my loan ready for the 30 day closing! You won't be disappointed when using Guaranteed Rate :-) read more