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Submission: On June 19 via manual from BR — Scanned from DE
Submission: On June 19 via manual from BR — Scanned from DE
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You need to enable JavaScript to run this app. Search... 1. Current rates 2. Mortgages 3. Loan options 4. Mortgage tools 5. Español Back Current rates Back Mortgages 1. Mortgage overview 2. Mortgage news 3. Mortgage rates today 4. Mortgage pre-approval 5. Mortgage process 6. Mortgage calculator 7. Refinance 8. Cash-out refinance Back Loan options 1. Fixed loans 2. 15-year fixed loans 3. 30-year fixed loans 4. ARM loans 5. 5-year ARM loans 6. 7-year ARM loans 7. 10-year ARM loans 8. FHA loans 9. Interest only loans 10. VA loans 11. Jumbo loans 12. Personal loans 13. HELOC 14. HECM mortgage 15. Home Renovation loans Back Mortgage tools 1. Mortgage calculators 2. Closing cost calculator 3. Refinance calculator 4. Affordability calculator 5. Extra payment calculator 6. Points calculator 7. Home valuation tool 8. Housing market research 1. Current rates 2. Mortgages Mortgage overview Mortgage newsMortgage rates todayMortgage pre-approvalMortgage processMortgage calculatorRefinance Cash-out refinance 3. Loan options Fixed loans15-year fixed loans30-year fixed loansARM loans5-year ARM loans7-year ARM loans10-year ARM loansFHA loansInterest only loansVA loansJumbo loansPersonal loansHELOCHECM mortgage Home Renovation loans 4. Mortgage tools Mortgage calculatorsClosing cost calculatorRefinance calculatorAffordability calculatorExtra payment calculatorPoints calculatorHome valuation toolHousing market research 1. Apply 2. 1 (866) 934-7283 Phone Call 3. Español 4. Log in Log in 5. Search LICENSING Guaranteed Rate, Inc Disclosures and License Information Owning Disclosures and License Information Consumer Lending Licensing Information GUARANTEED RATE, INC. DISCLOSURES AND LICENSE INFORMATION Guaranteed Rate, Inc. is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Guaranteed Rate will never be discouraged on on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor visit here ADDITIONAL GUARANTEED RATE, INC DISCLOSURE REQUIREMENTS Guaranteed Rate, Inc. is a licensed mortgage lender. Some states require specific licensing information, which is found below. * Guaranteed Rate, Inc - NMLS ID 2611 * Arkansas: Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 * Arizona: Guaranteed Rate, Inc. - 14861 N. Scottsdale Road Suite 101 Scottsdale, AZ 85254, Mortgage Banker License #0907078 * California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act * Colorado: Regulated by the Division of Real Estate * Delaware: Guaranteed Rate, Inc. NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436 * Georgia: Residential Mortgage Licensee #20973 - 3940 N Ravenswood Ave, Chicago, IL 60613 * Illinois: STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. Illinois Department of Financial and Professional Regulations James R. Thompson Center DFPR-Residential Mortgage Banking 555 West Monroe St., 5th Floor, Chicago, Illinois 60661 (888) 473-4858 License #: MB.0005932 * Kansas: Licensed Mortgage Company - Guaranteed Rate, Inc – License MC.0001530 * Massachusetts: Guaranteed Rate, Inc - Mortgage Lender & Mortgage Broker License MC2611 * Mississippi: Guaranteed Rate, 3940 Ravenswood, Chicago, IL 60613 - Licensed by the Mississippi Department of Banking and Consumer Finance * New Jersey: Residential Mortgage Lender – NJ Department of Banking & Insurance * New Hampshire: Guaranteed Rate, Inc., licensed by the New Hampshire Banking Department * New York: Licensed Mortgage Banker - NYS Department of Financial Services, 750 Lexington Ave. Suite 2010, New York, New York 10022 * Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities * Rhode Island: Rhode Island Licensed Lender and Loan Broker * South Carolina: South Carolina Consumer Loans – Your Rights and Responsibilities brochure: https://dih4lvql8rjzt.cloudfront.net/cms/7d3ebf57-734f-4a75-8c5e-d0c15b5d1c23_sc-consumer-loans-your-rights-and-Responsibilities-brochure.pdf * Texas: For Texas Consumers Only: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY REGARDING THE ORIGINATION AND/OR SERVICING OF YOUR MORTGAGE LOAN OR A COMPLAINT AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR CONCERNING RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. * Virginia: Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 STATES IN WHICH WE DO BUSINESS, AND LICENSE NUMBERS STATE Alabama Alaska Alaska OTN #1 Arizona Arkansas California Colorado UCCC Colorado DRE Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan 1st Mortgage Michigan 2nd Mortgage Minnesota Minnesota OTN #1 Mississippi Missouri Montana Nebraska Nevada Mortgage Company LICENSE # 21566 AK2611 AK2611-1 0907078 103947 413 0699 SUP-4000696 LICENSED ML-2611 9436 MLB2611 MLD-1102 20973 HI-2611 MBL-5827 MB.0005932 11060 2005-0132 MC.0001530 MC20335 2866 SLM11302 2611 MC2611 FR0024251 SR0018847 MN-MO-20526478 MN-MO-2611.1 2611 2611 2611 1811 3161 STATE Alabama Alaska Alaska OTN #1 Arizona Arkansas California Colorado UCCC Colorado DRE Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan 1st Mortgage Michigan 2nd Mortgage Minnesota Minnesota OTN #1 Mississippi Missouri Montana Nebraska Nevada Mortgage Company LICENSE # 21566 AK2611 AK2611-1 0907078 103947 413 0699 SUP-4000696 LICENSED ML-2611 9436 MLB2611 MLD-1102 20973 HI-2611 MBL-5827 MB.0005932 11060 2005-0132 MC.0001530 MC20335 2866 SLM11302 2611 MC2611 FR0024251 SR0018847 MN-MO-20526478 MN-MO-2611.1 2611 2611 2611 1811 3161 STATE New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio GLL Registration Ohio RMLA Registration Oklahoma Oklahoma OTN Oregon Pennsylvania Rhode Island Licensed Lender Rhode Island Licensed Broker South Carolina South Dakota Tennessee Texas SML Banker Texas OCCC Utah Utah OTN Vermont Lender Vermont Broker Virginia Washington West Virginia Lender West Virginia Broker Wisconsin Banker Wisconsin Broker Wyoming Wyoming Consumer Lender LICENSE # 13931-MB LICENSED 01995 LMBC 106624 L-109803 MB101818 GL.501367.000 RM.804160.000 ML002651 ML011639 ML-3836 20371 20102682LL 20102681LB MLS-2611 2611.ML 109179 Licensed 47207 7495184 10626308 6100 0930 MB MC-3769 CL-2611 ML-30469 MB-30098 27394BA 2611BR 4507 CL - 4491 STATE New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio GLL Registration Ohio RMLA Registration Oklahoma Oklahoma OTN Oregon Pennsylvania Rhode Island Licensed Lender Rhode Island Licensed Broker South Carolina South Dakota Tennessee Texas SML Banker Texas OCCC Utah Utah OTN Vermont Lender Vermont Broker Virginia Washington West Virginia Lender West Virginia Broker Wisconsin Banker Wisconsin Broker Wyoming Wyoming Consumer Lender LICENSE # 13931-MB LICENSED 01995 LMBC 106624 L-109803 MB101818 GL.501367.000 RM.804160.000 ML002651 ML011639 ML-3836 20371 20102682LL 20102681LB MLS-2611 2611.ML 109179 Licensed 47207 7495184 10626308 6100 0930 MB MC-3769 CL-2611 ML-30469 MB-30098 27394BA 2611BR 4507 CL - 4491 GUARANTEED RATE, INC. D/B/A OWNING DISCLOSURES AND LICENSE INFORMATION Guaranteed Rate, Inc. d/b/a Owning is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Owning will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor ADDITIONAL OWNING DISCLOSURE REQUIREMENTS Guaranteed Rate, Inc, d/b/a Owning is a licensed mortgage lender. Some states require specific licensing information, which is found below. * Owning is a division of Guaranteed Rate, Inc - NMLS ID 2611 * Arizona: Guaranteed Rate, Inc. - 14861 N. Scottsdale Road, Suite 101, Scottsdale, Arizona 85254; Mortgage Banker License #907078 * Arkansas: Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 * California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act * Colorado: Regulated by the Division of Real Estate * Delaware: Guaranteed Rate, Inc. NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436 * Georgia: Residential Mortgage Licensee #20973 - 3940 N Ravenswood Ave, Chicago, IL 60613 * Illinois STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. Illinois Department of Financial and Professional Regulations James R. Thompson Center DFPR-Residential Mortgage Banking 100 W. Randolph, 9th Floor Chicago, Illinois 60601 (844) 768-1713 License #: 511676 * Kansas: Licensed Mortgage Company - Guaranteed Rate, Inc – License MC.0001530 * Massachusetts: Guaranteed Rate, Inc - Mortgage Lender & Mortgage Broker License MC2611 * Mississippi: Guaranteed Rate, 3940 Ravenswood, Chicago, IL 60613 - Licensed by the Mississippi Department of Banking and Consumer Finance * New Jersey: Residential Mortgage Lender – NJ Department of Banking & Insurance * New Hampshire: Guaranteed Rate, Inc., licensed by the New Hampshire Banking Department * Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities * Texas: For Texas Consumers Only: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT SML.TEXAS.GOV. Source: https://texreg.sos.state.tx.us/fids/201203137-2.pdf * Virginia: Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 STATE Alabama Arizona Arkansas California Colorado DRE Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Iowa OTN #2 Indiana Kansas Louisiana Maine Maryland Massachusetts OTN #1 Michigan 1st Mortgage Michigan 2nd Mortgage Minnesota OTN #2 Mississippi Missouri Montana Nebraska OTN# 2 New Hampshire New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma OTN #2 Oregon Pennsylvania South Carolina OTN #3 South Dakota Tennessee Texas SML Banker Virginia Washington West Virginia Wisconsin Banker Wisconsin Broker Wyoming LICENSE # 21566 907078 103947 4130699 LICENSED ML-2611 9436 MLB2611 MLD1102 20973 HI-2611 MBL-5827 MB.0005932 20973 2021-0126 11060 2866 SLM11302 2611 MC2611 FR0024251 SR0018847 MN-MO-2611.2 2611 2611 2611 Licensed 13931-MB LICENSED 01995 L-109803 MB101818 RM.804160.000 ML013879 ML-3836 20371 MLS - 2611 OTN #3 2611.ML 109179 LICENSED MC-3769 CL-2611 ML-30469 27394BA 2611BR 4507 STATE Alabama Arizona Arkansas California Colorado DRE Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Iowa OTN #2 Indiana Kansas Louisiana Maine Maryland Massachusetts OTN #1 Michigan 1st Mortgage Michigan 2nd Mortgage Minnesota OTN #2 Mississippi Missouri Montana Nebraska OTN# 2 New Hampshire New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma OTN #2 Oregon Pennsylvania South Carolina OTN #3 South Dakota Tennessee Texas SML Banker Virginia Washington West Virginia Wisconsin Banker Wisconsin Broker Wyoming LICENSE # 21566 907078 103947 4130699 LICENSED ML-2611 9436 MLB2611 MLD1102 20973 HI-2611 MBL-5827 MB.0005932 20973 2021-0126 11060 2866 SLM11302 2611 MC2611 FR0024251 SR0018847 MN-MO-2611.2 2611 2611 2611 Licensed 13931-MB LICENSED 01995 L-109803 MB101818 RM.804160.000 ML013879 ML-3836 20371 MLS - 2611 OTN #3 2611.ML 109179 LICENSED MC-3769 CL-2611 ML-30469 27394BA 2611BR 4507 STATES IN WHICH WE DO BUSINESS, AND LICENSE NUMBERS CONSUMER LENDING LICENSES Guaranteed Rate, Inc., holds consumer lending licenses in the following states: STATE License Number License Type Alabama 21566 Consumer Credit License Arizona 103887 Consumer Lender License California 60DBO-147922 Financing Law License Colorado SUP-4000696 Supervised Lender License Connecticut SLC-2611 Small Loan Company License Delaware 9436 Lender License District of Columbia ML2611 Money Lender License Illinois CI.4816-H Consumer Installment Loan License Indiana 62505 Consumer Loan License Iowa Consumer Credit Notification Iowa 88893612 Master Loan Company Registration Idaho RRL-10940 Regulated Lender License Kansas NOT.0027081 Consumer Credit Notification Filer Kansas SL.0026876 Supervised Loan License Kentucky CL795301 Consumer Loan Company Louisiana Licensed Lender Main Office (In-State and Out-Of-State with Lending Activity) Maryland 2611 Consumer Loan License Maine OCR15789 General Creditor Consumer Credit Grantor Notification Filer Michigan RL0024250 Regulatory Loan License Minnesota MN-RL-2611 Regulated Loan Company License Missouri 367-22-9145 510-22-9137 Consumer Credit Loan Company License Consumer Installment Lender Company Registration Montana 2611 Consumer Loan License New Jersey 2205187 C32 Consumer Lender North Dakota MB101818 Money Broker License Ohio GL.501367.000 General Loan Law Certificate of Registration Oklahoma 88968 Consumer Credit Notification Oklahoma SL008857 Supervised Lender License Pennsylvania 100411 Consumer Discount Company South Carolina CGL-165211 Consumer Credit Notification South Carolina CGC-164984 Consumer Credit Notification South Carolina CLL-165212 Consumer Credit Notification South Carolina CLC-164986 Consumer Credit Notification Tennessee 2611 Industrial Loan and Thrift Company Registration Texas 10667-47207 Regulated Lender License Utah Consumer Credit Notification Wisconsin 3266-LC Loan Company License Wisconsin Consumer Act Registration Washington CL-2611 Consumer Loan Company License STATE Alabama Arizona California Colorado Connecticut Delaware District of Columbia Illinois Indiana Iowa Iowa Kansas Kansas Louisiana Maryland Maine Michigan Minnesota Missouri # New Hampshire New Jersey North Dakota Ohio Oklahoma Oklahoma Pennsylvania Rhode Island South Carolina South Carolina South Carolina South Carolina Tennessee Texas Utah Vermont Washington Wyoming Wyoming LICENSE NUMBER 21566 1038877 60DBO-147922 SUP-4000696 SLC-2611 9436 ML2611 CI.4816-H 62505 . 88893612 NOT.0027081 SL.0026876 . 2611 OCR15789 RL0024250 MN-RL-2611 367-22-9145 510-22-9137 24936-SM 2205187 C32 MB101818 GL.501367.000 88968 SL008857 100411 20102682LL CGL-165211 CGC-164984 CLL-165212 CLC-164986 2611 10667-47207 . 6100 CL-2611 CL-4491 4507 LICENSE TYPE Consumer Credit License Consumer Lender License Financing Law License Supervised Lender License Small Loan Company License Lender License Money Lender License Consumer Installment Loan License Consumer Loan License Consumer Credit Notification Master Loan Company Registration Consumer Credit Notification Filer Supervised Loan License Licensed Lender Main Office (In-State and Out-Of-State with Lending Activity) Consumer Loan License General Creditor Consumer Credit Grantor Notification Filer Regulatory Loan License effective 05/02/2022 Regulated Loan Company License Consumer Credit Loan Company License Consumer Installment Lender Company Registration New Hampshire Small Loan Lender License Consumer Loan License Money Broker License General Loan Law Certificate of Registration Consumer Credit Notification Supervised Lender License Consumer Discount Company Rhode Island Lender License Consumer Credit Notification Consumer Credit Notification Consumer Credit Notification Consumer Credit Notification Industrial Loan and Thrift Company Registration Regulated Lender License Consumer Credit Notification Vermont Lender License Consumer Loan Company License Wyoming Consumer Lender License Wyoming Mortgage Lender/Broker License Guaranteed Rate, Inc. is subject to regulatory oversight by the Michigan Department of Insurance and Financial Services (MDIFS), 530 W. Allegan Street, 7th Floor Lansing, MI & (Toll-Free) 877-999-6442. If you have any questions regarding your personal loan application or need assistance, please feel free to reach out to our dedicated personal loans team at 833-533-2306 during our operating hours, which are Monday to Friday from 9 a.m. to 6 p.m. EST. Additionally, you can email us at loanhelp@rate.com Your mortgage * Sign in to your account * Pay your mortgage * Contact us * Mortgage assistance Guaranteed Rate * About us * Core values * Leadership * Partner with us * Press * Our Foundation Careers * Loan officers * Operations * Tech * All open positions Websites * Guaranteed Rate Insurance * Owning * Advocus Title * Agent Advantage Connect with us Connect With Us Accessibility | Licensing | Notice to Vendors | Privacy Policies | SMS Terms | Terms of Use | DNC | NMLS Consumer Access Delaware Licensed Loan Officers | Texas Consumers: How to file a complaint | Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information Please note that applications, legal disclosures, documents or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. © 2024 Guaranteed Rate, Inc. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org. Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Chicago, IL 60613 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Version: HEAD-8ea75e7 This website uses cookies to enhance user experience and to analyze performance and traffic on our website. We also share information about your use of our site with our social media, advertising and analytics partners. Select Cookie Preferences Decline All Non-Essential Cookies Accept Cookies DO NOT SELL MY PERSONAL INFORMATION When you visit our website, we store cookies on your browser to collect information. The information collected might relate to you, your preferences or your device, and is mostly used to make the site work as you expect it to and to provide a more personalized web experience. However, you can choose not to allow certain types of cookies, which may impact your experience of the site and the services we are able to offer. Click on the different category headings to find out more and change our default settings according to your preference. 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