David Lugo
VP of Mortgage Lending

Guaranteed Rate is one of the the largest retail mortgage lenders in the U.S., with over $19 billion in total home loans for 2018 alone. We have approximately 175 offices and approximately 3,000 employees ready to serve our customers in person, online or by phone. With turnaround times in as little as two weeks, customized loan products to fit almost every need and a 95 percent customer satisfaction rating.

The combination of our products, pricing, and experience ensure that our clients are receiving exceptional service they may not find elsewhere. Assisting real estate agents to increase their purchase business, educating my clients on the many different approaches to mortgage financing, being responsive to a person’s needs, and focusing on the details are the corner stones of my business. With over 20 years of experience in the financial & mortgage industries, my extensive background includes financial planning, residential lending and commercial lending.

I am never too busy to help you or help those most important to you, so please contact me regarding your needs or pass my name and number along. Please feel free to view mortgage/real estate information and/or click on “Apply Now” for a preapproval.

Helpful tools and resources
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options
Home valuation logo
Home valuation
Market research logo
Market research

Recent reviews

What people are saying
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Today's rates

Loan typeRateAPR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I'll answer your questions and guide you through the process!