See how easy our Digital Mortgage works
See Who's Here
What people are saying...
"This is the first time I’ve written a review for a company. However, I would like to take the time to say, THANK YOU and I worked with a great lending team at Guaranteed Rate. If you are looking for an honest lender get your loan needs handled by Guaranteed Rate!!! James and his team were EXCELLENT!!!"
Wise - Cheswold, DE | Nov 2021
"James and his team are great. I was in a situation where I needed to find a new mortgage lender a few days after my offer on a house was accepted. My previous lender did not work with my states first time home buyers program. I made the transition to Guaranteed Rate and was glad I did. James was essential in making that process quick and easy. After our first conversation involving mortgage figures and potential closing cost I knew I could bring any questions I had to James. I would recommend James to anyone looking to buy a new home."
Ryan B. - Wilmington, DE | Mar 2022
"James was amazing from the moment we walked in to talk pre approval for the process of buying our house. We immediately felt like we were in the presence of family and he made us feel right at ease. He walked us throughly through the loan process and always had us on top of what we needed to do but also never made us feel stressed. Wonderful guy who always made us feel like he had our backs with his eye on the prize right along with us"
Matt M - Newark, DE | Nov 2021
"We worked with James on our new construction home. He was extremely helpful and near the end of our process he worked tirelessly to make sure we had everything we needed. We woke up to emails at 5:00am from him. He made us feel safe when we were stressed out and he stayed the course to make sure all our worries were alleviated. Thank you James for making our dreams come true."
Rory - Leipsic, DE | Dec 2021
The whole team was great. They walked me through every step of the way and answered all of my questions and really helped educate me on the whole process. I would definitely use them again and recommend to friends and family. Thank you!
Jane D. - Wilmington, DE | Sept 2020
Featured Mortgage Options
30-Year Fixed Rate Mortgage
A conventional 30-year fixed rate mortgage features a steady interest rate throughout its lifetime. Spanning three decades, homeowners with this mortgage can look forward to consistent monthly payments for many years to come, which can provide peace of mind and help them budget their finances. A conforming 30-year fixed rate loan offers amounts up to $548,250 in most of the US and a maximum of $822,375 in high-cost areas.
15-Year Fixed Rate Mortgage
A conventional 15-year fixed rate mortgage is similar to a 30-year fixed rate mortgage in many respects. A conforming 15-year fixed rate loan features a limit of $548,250 ($822,375 in high-cost areas) and a consistent rate throughout its lifetime, giving you secure and predictable monthly mortgage payments.
Adjustable Rate Mortgage
An adjustable rate mortgage (ARM) is a home loan with an interest rate that changes after a fixed amount of time—usually 5-7 years. Adjustable rate mortgages typically offer lower interest rates and lower monthly payments than a fixed rate mortgage. After the allotted time passes, the rate may adjust and your monthly mortgage payments will adjust accordingly.
A non-conforming jumbo mortgage can help you purchase a lot of real estate. This mortgage is needed for loan amounts over the conforming loan limit of $548,250 and $822,375 in high-cost areas. If you need to take out a loan over the conforming limit, a fixed or adjustable rate jumbo mortgage could be your ticket to a big and beautiful home.
FHA home loans are mortgages insured by the federal government through the Federal Housing Administration (FHA), a branch of the Department of Housing and Urban Development. FHA home loans reduce the barrier to entry for homebuyers and refinancers by featuring low down payments, flexible credit requirements and more purchase power. If funds are limited, an FHA home loan can help you finance more than 80% of your home value.
VA home loan
The US Government's VA loans program helps veterans, active-duty service members and their families qualify for a home loan. Though they are issued by private lenders like Guaranteed Rate, VA home loans are backed by the US Department of Veterans Affairs. Created during World War II to help returning service men and women purchase homes, this program has guaranteed over 22 million VA loans since 1944.