Carlos Rosado at Guaranteed Rate (NMLS #673321)

Guaranteed Rate has been working for completing the purchase process faster than expected. They have been able to make the closing sooner than I planned. All details were explained explicitly. I should thank them for all their wonderful efforts to make the dream TRUE!
Oct 17th, 2023

Working with Carlos has been excellent from start to finish. He helped me with the loan to purchase my first home. Even though at times being a first time home buyer can be overwhelming or scary, Carlos made the process smooth. The commitment he had every step of the way made everything at the end that much better. It was that easy, I couldnt wait to make my first payment on my new home. ;)
Apr 30th, 2023

My Experience with Guaranteed rate has been nothing but a clown show. I gave them a second chance when I decided to buy a second home this summer and they failed me once again. Carlos (NMLS #673321), A "VP" of loans was assigned to me by my realtor who also happened to be terrible at his job. Upon trying to close this deal, no one noticed that the house had city violations, even though I had paper work they had mailed me where I had to sign that I was okay with that a month before. On the closing date, they didn't even have the courtesy to call me the night before to let me know the loan won't get approved. Instead I got an email the day of, telling me the closing date will have to be pushed back because the bank won't give me the loan unless the violations on the house were fixed. Keep in mind I asked for my day off at work. Upon contacting Carlos, he said he had no clue that there was violations on the house. A bunch of liars and incompetent loan offers at this company. Furthermore, he forgot to send me important documents that I needed to sign before the closing and blamed it on " oh your name is so identical to someone else I'm working with, that's why I must've forgot." After this mess, the blame game started. My realtor Joshua Payes blames Carlos. Carlos blames Josh, and ultimately they both try to blame the city. Madness, stay away from this company please and save yourself your inspection and appraisal money. Not even a sorry from them. Crazy world we live in..
Oct 31st, 2023