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Guide to Lenders Review | Mortgage Refinance

Item: Guide to Lenders Review | Mortgage Refinance
Rating: 3.7
Author: ConsumersAdvocate

ConsumersAdvocate.org Rating: 3.7 / 5 (Very good)

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Founded in 2005, Guide to Lenders is a free online resource for consumers looking for competitive refinance rates.

Through a simple online form, the company offers customers up to 5 quotes from their network of over 150 lenders.

Guide to Lenders also provides useful online tools for potential homeowners, such as mortgage guides, calculators, and free credit score information.

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How is Guide to Lenders rated?

Breakdown

3.6/5

Loan Variety

3.5/5

Ease of Process

3.9/5

Customer Service and Reputation

4.3/5

Discounts and fees

Overall Rating: 3.7 / 5 (Very good)

Guide to Lenders is a good alternative for people who want to compare competing offers from a variety of different lenders.

Since they have access to a large network of lenders, they can match borrowers to virtually any type of mortgage refinance loan, with a variety of terms and rates, fit for every individual need.

Loan Options

Lender Type	Marketplace
Loans Offered	Rate & Term Cash-out
Loan Programs	FHA VA Conventional Jumbo
Fixed Year Terms	30 Year Fixed 20 Year Fixed 15 Year Fixed 10 Year Fixed
Adjustable Rate Mortgage Terms	10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM

Loan Variety - 3.6 / 5

Guide to Lenders is an online marketplace that matches qualified borrowers with lenders from their nationwide network, thereby allowing homeowners to compare offers from as many as five different competing quotes.

Since they're an aggregator, they can offer many different types of mortgage refinance loans, including cash-in or cash-out, conventional rate and term, FHA, VA, and jumbo loans, with different term lengths.

Application Process

FHA Minimum Credit Score	580
Closing Time	Depends on chosen lender
Waived Fees	Depends on chosen lender

Ease of Process - 3.5 / 5

Guide to Lenders doesn't originate loans in and of themselves, but merely connects borrowers with lenders.

Therefore, specifics about terms, rates, etc, will depend on the specific financial institution.

However, Guide to Lenders does mention that their maximum Loan to Value ratio is 62.5, and that APRs can vary between 3 and 3.787%.

Guide to Lenders Reputation

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID	138953
Nationwide Mortgage Regulatory Actions	0

Online Reviews

Trustpilot Trustscore	6.4
BBB Rating	A+
BBB Positive Reviews	1
BBB Negative Reviews	4
Date Collected	2017-07-27

Customer Service and Reputation - 3.9 / 5

Guide to Lenders has zero regulatory actions against them with the Nationwide Mortgage Licensing System, but very little additional information or customer reviews are available, mainly due to the fact that they're an online loan marketplace.

Learn more by reading our review of the 10 Best Mortgage Refinance Companies of 2018 .

Contact & Additional Information

Homepage URL	http://www.guidetolenders.com/
Company Phone	(650) 578-7700
Headquarters Address	950 Tower Lane, 6th Floor, Foster City, CA, 94404
Year Founded	1999

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Guide to Lenders Review | Mortgage Refinance

At ConsumersAdvocate.org, we take transparency seriously.

How is Guide to Lenders rated?

Breakdown

Overall Rating: 3.7 / 5 (Very good)

Loan Options

Loan Variety - 3.6 / 5

Application Process

Ease of Process - 3.5 / 5

Guide to Lenders Reputation

Memberships & Regulatory Info.

Online Reviews

Customer Service and Reputation - 3.9 / 5

Contact & Additional Information

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