Guaranteed Rate Mortgage vs. New American Funding Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
Guaranteed Rate Mortgage
Guaranteed Rate
4.3
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
Full review →New American Funding Mortgage
New American Funding
4.4
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
Full review →WealthSpott Verdict
Guaranteed Rate Mortgage wins on more measurable categories — particularly on rate and cost. New American Funding Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
Guaranteed Rate Mortgage
New American Funding
APR Range
6.20% – 8.10% Best
6.40% – 8.30%
Loan Amount
$100,000 – $4,000,000 Best
$75,000 – $3,500,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies; typically 0.5%–1.5%
Varies; competitive on FHA and non-QM
Min Credit Score
620+
580+ Best
Funding Speed
21–30 days
21–30 days
Guaranteed Rate Mortgage
New American Funding Mortgage
Not sure which loan is right for you?
Browse all loans