Guaranteed Rate Mortgage
Best Rate LockGuaranteed Rate
4.3
6.20%–8.10% APR$100,000–$4,000,000Fee: Varies; typically 0.5%–1.5%Min credit: 620+
APR Range
6.20%–8.10%
Loan Amount
$100,000–$4,000,000
Term
120–360 mo
Origination Fee
Varies; typically 0.5%–1.5%
Our take
Excellent technology stack — the online application rivals Rocket Mortgage in speed and clarity. Rates are competitive and the "Good Faith Guarantee" protects against surprises at closing. Wide availability of niche products like renovation and condo loans.
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Full details
| Minimum loan amount | $100,000 |
| Maximum loan amount | $4,000,000 |
| Lowest APR | 6.20% |
| Highest APR | 8.10% |
| Shortest term | 120 months |
| Longest term | 360 months |
| Origination fee | Varies; typically 0.5%–1.5% |
| Minimum credit score | 620+ |
| Funding speed | 21–30 days |
Frequently asked questions
What is the APR range for Guaranteed Rate Mortgage?
Guaranteed Rate Mortgage offers APR from 6.20% to 8.10%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Guaranteed Rate Mortgage?
Loan amounts range from $100,000 to $4,000,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Guaranteed Rate Mortgage?
A minimum credit score of 620 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Guaranteed Rate Mortgage charge an origination fee?
Yes, Guaranteed Rate Mortgage charges an origination fee of Varies; typically 0.5%–1.5%. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Guaranteed Rate Mortgage?
Guaranteed Rate Mortgage typically funds loans within 21–30 days. Actual funding time may vary based on verification requirements and your bank.
Is Guaranteed Rate Mortgage worth it?
Excellent technology stack — the online application rivals Rocket Mortgage in speed and clarity. Rates are competitive and the "Good Faith Guarantee" protects against surprises at closing. Wide availability of niche products like renovation and condo loans.
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Verified Mar 2026
Guaranteed Rate Mortgage