Guaranteed Rate Mortgage vs. Wells Fargo Home Improvement Loan
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 →
Wells Fargo Home Improvement Loan
Wells Fargo
4.0
APR 9.49–24.99%. Up to $100K. Major bank support.
Full review →WealthSpott Verdict
Guaranteed Rate Mortgage wins on more measurable categories — particularly on rate and cost. Wells Fargo Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Guaranteed Rate Mortgage
Wells Fargo Home
APR Range
6.20% – 8.10% Best
9.49% – 24.99%
Loan Amount
$100,000 – $4,000,000 Best
$3,000 – $100,000
Term Length
120–360 months
12–84 months
Origination Fee
Varies; typically 0.5%–1.5%
None
Min Credit Score
620+ Best
660+
Funding Speed
21–30 days
1–3 days
Guaranteed Rate Mortgage
Wells Fargo Home Improvement Loan
Not sure which loan is right for you?
Browse all loans