Chase McElligott at Rate (NMLS #2015029)

Probably going to pursue action with Better Business Bureau Look. Representatives at Owning (a division of Guaranteed Rate) can give you a competitive interest rate and great cash assistance on your mortgage down payment, but DON'T BE FOOLED! There are fees they charge that they are NOT UPFRONT about in real-time. My partner and I are purchasing a renovated house (Baltimore, MD) and our builder was behind on the renovations. We needed to push back our close date by 10 days due to no fault of our own. When we reached out to Guaranteed Rate and let them know that we needed to push our close date, they said to us verbatim "Just keep us posted on the close date. If it does move, no problem. My only concern is if we plan to make it sooner. Check with me before confirming an earlier date please." Both our loan coordinator and our mortgage specialist were on that email. We thought we were in the clear to push our close date later. Next thing we know, we're getting hit with almost $1,000 fee from Guaranteed Rate to keep our interest rate locked. THEY DID NOT MAKE US AWARE OF THIS BEFORE WE OK'D OUR BUILDER TO PUSH THE CLOSE DATE. This put us in an impossible position to recuperate any of the money from any of the parties involved, including our builder, real estate agent, and lender; even though these changes are of no fault of our own! I'm severely disappointed and it's yet another example of people and companies taking advantage of uneducated consumers to make up reasons to charge you money. It's not cool.
Jul 13th, 2023

Lost a deal on a home because Guaranteed Rate didn't respond in time. Do not recommend.
May 25th, 2023

I had some weird things pop up on my mortgage that i needed help understanding, so i stopped by here to get some clarification. The people here were so insanely helpful and nice. It's nice knowing i can get this level of care from a large company. Thank you!
Jan 29th, 2023

We have worked with Kevin Gillis and his team many times and cannot recommend them enough! They answer all of our emails and calls quickly and always make sure to explain what they will need and when they will need it, which is important when you are making the biggest purchase of your life.
Nov 27th, 2022

The location I was buying had a very difficult HOA but Guaranteed rate struggled through the long process & never gave up. Honestly they weren't my 1st choice but my 1st choice seen the difficulty in giving a FHA loan in a large condo association. Guaranteed rate was honest from the beginning, telling me it might be a long process & got it done. I'll definitely recommend Guaranteed Rate & the Eric Hamilton team in the future
Nov 21st, 2022