Guide to Lenders Mortgage Refinance Review

Rating: 7.3 / 10 (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.

How is Guide to Lenders rated?


Loan Options
Application Process

Overall Rating: 7.3 / 10 (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
Loans Offered
Rate & Term
Loan Programs
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 Options - 7.2 / 10

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
Closing Time
Depends on chosen lender
Waived Fees
Depends on chosen lender

Application Process - 7 / 10

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
Nationwide Mortgage Regulatory Actions

Online Reviews

Trustpilot Trustscore
BBB Rating
BBB Positive Reviews
BBB Negative Reviews
Date Collected

Reputation - 7.8 / 10

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.

Contact & Additional Information

Homepage URL
Company Phone
(650) 578-7700
Headquarters Address
950 Tower Lane, 6th Floor, Foster City, CA, 94404
Year Founded

Top Rated
Our Partner
10 / 10
  • Our #1 Choice
  • Rates as Low as 3.75% APR (15 yr)
  • Compare Quotes From up to 5 Lenders for Free in Minutes
  • Save Time, View Offers Online, and Get Your Free Credit Score
  • More Than 40 Million Customers Served
  • When Banks Compete, You Win!
  • Lower Interest Rates and Monthly Payments
  • Adjust Loan Terms or Convert From a Variable to Fixed Rate