Both lenders cover all states and offer the same loan types — conventional, FHA, VA, USDA, jumbo, and HELOC — so the choice comes down to cost versus service.
Better wins on cost — no processing or underwriting fees and a price-match guarantee; Guaranteed Rate’s closing costs are typically higher.
Guaranteed Rate edges Better on customer reviews (4.5/5 vs. 3.96/5 BBB), with customers consistently citing helpful agents and reliable support.
Watch for Better’s $550 appraisal fee to lock your rate and Guaranteed Rate’s tendency to transfer loan servicing to another company after closing.
This summary was generated by AI and may contain errors or omissions.
How do Better and Guaranteed Rate compare?
Choose this lender for low closing costs
Choose something else if you want to pick your loan servicer
A good option for borrowers looking for a conventional or FHA loan
Consider this lender if you want great customer service.
Choose another lender if you want the same servicer after closing.
As of August 2021, Better has a 3.96 out of 5 rating with the Better Business Bureau (BBB) and a 4.4 out of 5 rating on Zillow from hundreds of customers. Better has been accredited with the BBB since 2018 and has a B rating with 146 complaints registered over the last three years. Several BBB complaints are related to Better’s $550 appraisal fee, which is required to lock in the interest rate.
Customer reviews — both positive and negative — tend to focus on how automated the loan process is, with several reviewers comparing it to an assembly line. When everything runs smoothly, loans are completed on time and the process is simple. But when there’s an issue, some users complain that it’s hard to get any personalized help.
Reviews on its site state that most of its customers recommend Guaranteed Rate to their friends or family. And its online reviews are mostly positive, with customers saying the site is easy to use and its agents and customer service staff were helpful. Many say they received a better than expected rate and lower fees than they were quoted elsewhere.
It has 4.5 out of 5 stars with the Better Business Bureau. Negative reviews tend to focus on customer service experiences with individual agents.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
A top lender of FHA and VA loans, but customer reviews are very mixed.
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