Joseph Smith – Guaranteed Rate

Stressful Experience

I had a terrible and stressful experience with Joseph Smith – Guaranteed Rate. I first submitted an application online.

Their web site matched me with Sammy Iliopoulos, with whom I communicated via email a few times about my finances, etc.

Then, he said the computer system actually matched me with Austin Reed and had me work with Austin instead.

I re-commmunicated to Austin about my finances. To make the story short, I was basically asked to send in paperwork after paperwork to verify my business income, and my teaching contracts at a college.

I just didn’t feel either loan officer really paid any attention to my situation.

Because it’s more difficult than others, they didn’t seem like they wanted to bother with me.

I got so frustrated, this is what I’d sent Austin in my last communication:

“It honestly just seems like a constant uphill battle with you guys. I’ve already explained to you (and the other loan officer) about my business situation.

I also didn’t appreciate being passed around from one loan officer to another, and I never got a copy of my credit report which was promised to me before I agreed to doing the credit check, despite having asked multiple times.

I have a large down payment, excellent credit and solid work history.

If I’m not a desirable candidate for you guys, so be it. You may close my file.”

I think this place is fine if you have a simple financial situation.

But, if you have a business, or have contracted work/income, you shouldn’t bother.

They won’t take their time in talking to you or try to understand your situation, despite how much down payment you have or how good your credit is.

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3 reviews on Joseph Smith – Guaranteed Rate

  1. I had a wonderful experience and Joe Smith is to thank.

    I had a wonderful experience and Joe Smith is to thank. He was extremely helpful, got me a great interest rate and answered all my questions even on his family vacations. I was stressed about buying my first home and all the numbers seemed overwhelming, but Joe was there every step of the way to guide me and to make sure I am getting the best deal possible.

    He even helped me to find wonderful lawyer for the closing procedures. If you ever decide to buy a home or refinance Joe Smith is your guy, smart, nice, patient and knowledgeable. He was recommended by my realtor and I am grateful I had such a wonderful team of people helping me out to get my dream home.

  2. I've recommended GR to friends and family members, and would not hesitate to do so again.

    I’ve worked with Joe and his team at Guaranteed Rate several times over the past few years, most recently for a refinance of my home this Jan-Feb 2019 (which resulted in a significantly lower rate). Each time they’ve been incredibly professional, helpful, and efficient in what can often be a stressful and often time consuming process.

    They’ve helped to streamline and facilitate the application and closing process, and have been reliable and prompt in responding to any questions I’ve had, or to issues that have arisen. I’ve recommended GR to friends and family members, and would not hesitate to do so again.

  3. We worked with Joe Smith, Jeff Nelson, Kim Brizido, and Minh Tran at Guaranteed Rate to get our home loan.

    We worked with Joe Smith, Jeff Nelson, Kim Brizido, and Minh Tran at Guaranteed Rate to get our home loan. We could not have asked for more from this team. As first time home buyers, we knew nothing about getting a mortgage and they took the time to clearly explain the process and our options.

    We were very impressed with their prompt replies to our questions and requests. And with a lot on the line, their quick turn-around on our mortgage approval was greatly appreciated and a big relief. And we got a great rate!

Tremont Street 585
Boston 02118 MA US
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Reviews:3
Reported Loss :4377 $
Severity of Scam :Medium
Reported by : Anonymous
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