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What people are saying
"Craig was amazing from day one. He was knowledgeable, was able to answer my questions and I know that his and his processor's due diligence was what ultimately saved this deal from falling apart. I am the third partner braught in to make this deal go through and by the time I got involved time was of the essence with the seller of the home. Craig moved quickly to get me the list of items I would need, communicated clearly throughout the process, worked late hours and weekends to make sure we moved forward under pressure from the real estate agent. Being in service related businesses for most of my life and from being a loan officer myself in the past, I will say that I only stayed with Guaranteed mortgage because of Craig and the amount of work he put into it. I can send text string photos of two other companies I could have used to close this loan. Ultimately it comes down to people and Craig was the right person to get this deal closed. He made me feel like I was closing on a half million dollar loan with the level of attention I received. The rest of the team at guaranteed rate were also thorough, courteous and professional. I wouldn't change one thing about my experience. Thank you to Sharon and Fawne as well. If I missed any names I apologize, it has been a whirlwind of a month with My Uncle passing and having to take a week to go to PR and managing my full time property management business. When I say I needed the right players to hold accountable for doing their job. Craig even went as far as speaking directly with my accountant to get info missing while I was away. Stellar Team!"
Ruben V. - Belleville NJ | Apr 2022
"The whole mortgage process went very smooth and the team at guaranteed rate made each step easy to complete and user friendly."
Thomas P. - Ocean Gate NJ | Dec 2021
"super efficient staff pleasure to work with"
George L. - Clifton NJ | Dec 2021
"Craig did everything possible to make sure that we met our close date and was extremely communicative."
Brittney D. - Bronx NY | Nov 2021
"Craig Smith and Fawne Berkowitz were extremely professional. Buying a home is very stressful and I’m happy I was able to have them by my side throughout the process."
Tricia C. - Sussex NJ | Oct 2021
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.