Their 'Same-Day Mortgage' isn't just marketing—it actually works. I uploaded my docs in the morning and had a full approval by dinner. It gave us so much leverage when we put in our offer the next day.

We did a HELOC with them and the funding was incredibly fast—less than a week. If you need cash out of your home quickly, these guys are the fastest in the business for 2026.

I like that they show you the rates right on the site without making you sign up for anything first. It made the shopping phase so much easier. Transparent and competitive.

Guaranteed Rate was fantastic. Fast, friendly, and efficient.

The closing costs were a little higher than estimated. They have a lot of 'junk fees' that added up to an extra $800 at the end. Make sure you read the Loan Estimate very carefully before you sign.