Maddox Rees
SVP of Mortgage Lending

Maddox Rees, an expert at funding jumbo and super jumbo loans, is renowned for providing world class service to sophisticated clients and for resolving complex financial transactions. A graduate of the University of California at Berkeley, Maddox annually ranks in the top 99.99% of mortgage originators nationwide and has finished in the top 3 for average loan size for each of the past several years. Maddox’s education and training in writing and finance empower him to package, present and close loans that only a handful of top professionals in the industry would even attempt. He is known as a “Miracle Worker.” Maddox is also a father of three sons and when not watching their sporting and musical events, enjoys singing, ocean sports and travelling. In his spare time, he is currently co-authoring a business book with international motivational speaker Major Anthony Bourke. Prior to coming to Guaranteed Rate, Maddox and his outstanding team served as the in-house lenders for two of the highest rated Realty offices in the world (in Montecito/Santa Barbara and Beverly Hills), winning several awards and an ongoing stream of referrals from satisfied Realtors and clients. The team is elated to be part of Guaranteed Rate. “We’ve always been able to deliver superior service and results,” says Maddox. “Now we have the premier technology, superior Realtor support tools and, most of all, outstanding rates. Guaranteed Rate is a household name in the rest of the country and we’re excited to be part of their expansion into California and sharing their great offerings with our clients.” In today’s ultra-regulated lending environment, trying to negotiate the mortgage process without professional help is a stress-inducing, months’ long nightmare of paperwork and aggravation with only slim chances of success. Whether you’re rolling down a $300,000 conforming loan or needing help on a $10M purchase, Maddox and his team will navigate the process for you with optimal results – call them today!

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

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.


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.