At Guaranteed Rate, Inc. D/B/A Rate we take consumer protections seriously. Below are some helpful links regarding compliance with consumer protection laws.
State Licensing
View the
list of licenses Guaranteed Rate holds in each state.
Fee schedule
The
Fee schedule provided is a list of common fees and costs
that may be incurred in connection with a mortgage loan. Actual fee amounts and costs are subject to change and vary depending on the applicable state law and/or agency guidelines and your loan documents.
Privacy Notice
Find out how Guaranteed Rate shares your personal information. Guaranteed Rate’s
Privacy Notice indicates how
Guaranteed Rate shares your personal information in accordance with federal law and state law.
Notices of Error/Requests for Information/General Complaints
Notices of Error and Requests for Information must be sent to the following address: P.O. Box 100078 Duluth, GA 30096-9377. Please address to Guaranteed Rate’s mortgage resolution unit, include your full name, loan number, and the specific error(s) that you believe to have occurred or specific information requested. General complaints may also be submitted to the same address.
Texas Disclosure — For property located in Texas
Guaranteed Rate, Inc. D/B/A Rate is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the department of savings and mortgage lending. Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at
www.sml.texas.gov.
A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at
www.sml.texas.gov.
New York - For property located in New York
THIS SITE IS NOT AUTHORIZED BY THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES. NO MORTGAGE SOLICITATION ACTIVITY OR LOAN APPLICATIONS FOR PROPERTIES LOCATED IN THE STATE OF
NEW YORK CAN BE FACILITATED THROUGH THIS SITE. BORROWERS MAY FILE COMPLAINTS AND OBTAIN FURTHER INFORMATION ABOUT Guaranteed Rate, Inc. D/B/A Rate BY CONTACTING THE NEW
YORK DEPARTMENT OF FINANCIAL SERVICE CONSUMER ASSISTANCE UNIT AT 1-800-342-3736 OR BY VISITING THE DEPARTMENT’S WEBSITE AT WWW.DFS.NY.GOV/.
conducts its business in English. offers verbal foreign language access services for Spanish and may be able to provide verbal foreign language access services for other languages. For additional details about our foreign language access services, please contact us at 866-681-2264. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection f/k/a the New York City Department of Consumer Affairs website: www.nyc.gov/dca.
Guaranteed Rate, Inc. D/B/A Rate is an Equal Housing Lender. Guaranteed Rate is committed to fair and responsible lending. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract). Further, Guaranteed Rate does not discriminate against any applicant or customer on the basis that their income derives from any public assistance program or any other basis prohibited by law.
ServiceMac, LLC (NMLS #1687766) provides certain mortgage servicing functions and services on behalf of Guaranteed Rate. For more information regarding ServiceMac, LLC including licensing and other legal information, please visit https://myservicemac.com.
