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    Guaranteed Rate

    3.4 (10 reviews)
    Open 8:30 am - 5:30 pm

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    Port City Mortgage

    Port City Mortgage

    (12 reviews)

    I am currently working with them as an agent for my buyer - the process which should have gone very…read moresmooth - has become a paperwork nightmare The day before closing we do not have a clear to close due to minor contract issues - the latest is asking the sellers to initial their names! I asked them if that request was a joke- they responded that their underwriter is very picky- When I called their office the lady said they will probably need to push closing until Monday- keep in mind most lenders can turn a package in 30 min- 1 hr if minor last minute conditions exist. In this case they said they are not sure if they will make closing that is 24 hrs away I close over 20-30homes a month and this experience has truly been a nightmare. I am sure my client got a decent rate but I don't think the stress and last minute issues were worth it.

    I found Port City Mortgage through a rate aggregator site for my home refinance. The rate I saw…read morewas jaw-dropping -- 0.375% less than the lowest I was being offered by a big bank. I submitted a request through their website, and within an hour, the owner himself e-mail me back to let me know their latest rates and information on how to start the application process. With such a low rate I was half expecting something to fall through, but I was very pleasantly surprised -- not only was the spectacular rate for real, the process was much smoother and easier than the times I've used a big bank for a mortgage. Their team is impeccably organized, and I always knew what I needed to send and when. Plus, these guys worked at warp speed -- exactly 1 month passed from quote to closing. I won't even bother getting a quote from the goliaths next time I need a mortgage. Port City and its people are superb. Maybe it's easier to be good-natured and pleasant when you live at the beach -- Port City is located in Wilmington, NC, but they had no problem working with me in the Triangle.

    Azalea Coast Mortgage

    Azalea Coast Mortgage

    (2 reviews)

    When I called Azalea mtg. for a construction loan and then a mortgage, Michelle answered, and she…read morekept telling me how good she is, and that she is a loan originator and also a processor. Tells me that she has the best rates of any lender and no origination fees and very low closings costs. After almost two months and no progress and still no info on a rate or closing costs, I got bit upset and asked for a different processor, at that time she quoted a rate of 8%. I figured a short term construction is high but, thinking that I am in it for almost 2 months, I will deal with it. Another week and she is still asking for one document at a time, instead of asking for all documents at the same time. I ask for someone else, and then being told my closing costs are over $10,500, and that Azalea Mortgage is not for every borrow. By this time I did not want anything to do with Azalea Mortgage. I went to a bank, and my rate and closing cost are less than half of what Azalea mortgage wanted. I feel they are unethical, hook you with out giving you any figures, and drag it out, that by the time figures are disclosed, you do not want to start the process all over again. If figures are not disclosed immediately, there is a reason for that. So, RUN the other way.

    please, please, please make sure you search other mortgage companies before you sign any papers…read morewith this company. We had a horrible experience with them from start to finish. The communication within their office is non existent and caused many problems with our paper work. In fact we did not find out until the night of our final walk through that our closing was not going to be happening as planned, and that information wasn't even given to us but instead to our realtor. We were strung along for several days before they could even get us closed, and the day we finally had a clear to close the hud was uncompleted. Then we had to sit around well past our scheduled time to get documents signed. I pray that no home buyer has to go through the hoops and headaches we had to :(

    Guaranteed Rate - mortgagebrokers - Updated May 2026

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