GuideToLenders Review Staff

In a Nutshell

GuideToLenders doesn’t issue loans directly. Instead it offers comparisons between loans from more than 150 lenders in its network, including top lenders like Quicken Loans and Loan Depot.


  • Helpful guides make it easy to understand loans and loan terms
  • Free credit score reports are available
  • Choose from as many as five loan offers


  • Lenders require additional information in order to lock in rates
  • Personal information is sold to third-party lenders
  • You may receive a lot of emails and phone calls after signing up

GuideToLenders at a Glance

Loan TypesHome equity, refinancing, general home
Featured LoansConventional mortgage loans
Repayment TermsVaries
Down PaymentVaries
Credit ScoreVaries
Best ForFirst-time buyers or those with low credit scores

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If you’re looking to easily compare mortgage rates from different lenders without having to scour the internet, you may find GuidetoLenders to be a helpful asset. GuidetoLenders offers four quotes from competing mortgage lenders, and the simple online form takes less than 5 minutes to complete. The company's goal is to make mortgage shopping simple, quick and painless. They’re connected to more than 150 lenders, including Loan Depot and Quicken Loans. After collecting your information, GuidetoLenders sends you an email with loan offers for you to compare.

Best for?

Since GuideToLenders doesn’t issue direct loans, it’s an attractive resource for first-time buyers looking to for a general roundup of the lender market and the differences between lenders and rates. Prospective homeowners with bad credit scores and those overwhelmed by their options and limitations will also benefit from the birds-eye comparison of the top lenders in the field.


  • They connect you to lenders; they don’t provide loans
  • They provide mortgage loan quotes from four competing lenders
  • Free guides help you to research mortgage information

Rates and Terms - The Bare Basics


Mortgage rates start at 3.115% APR. That’s an impressive number, but of course your mileage may vary. None of our quotes were for less than 3.7%, but if you live in the right market and have an impressive credit score to offer, you may be able to secure a remarkably low rate.

Interest Rate

Interest rates start at 3.125 percent. Once again, we weren’t offered a rate quite that low (our best was 3.5%), but given the company’s stellar consumer reviews and the number of lenders with which they work, it’s certainly within the realm of possibility that you can land a home with just over 3% interest.

Loan Term 

The loan terms are set by the individual lenders. Available terms include 30-year fixed, 15-year fixed, 10-year fixed, adjustable rate mortgages, and jumbo loans.

Loan Features

Since GuidetoLenders works with a large network, there are a variety of loans to choose from and search. From home equity to refinancing to general home loans, the site offers an impressive array of options for all types of borrowers. You should have little trouble finding an option to suit your needs.

Repayment Terms

The monthly payments are a bit on the high side, but they’re not entirely unreasonable. The company’s website boasts that $200,000 mortgages are available for as low as $857 per month, and $300,000 mortgages are available for as low as $1,285. These figures will vary based on your location, credit score, and down payment, but it’s surprising that these are advertised as the lowest rates. Even without excellent credit, we were able to find lower rates on other aggregate websites. If you can’t find a desirable option within your budget, you may want to shop around a bit more.

Help & Support

GuideToLenders’ support options are limited, though it’s important to note that as an aggregator that doesn’t issue loans directly, it probably doesn’t need to offer extensive avenues for help and support. Nonetheless the site includes a secure portal to submit questions and concerns.


GuidetoLenders has a lot of potential, and they might even be able to compete with the industry’s top providers if they improve their transparency a bit. They promise five loan results after you submit your personal information, but you can’t browse information on your own. You can certainly can find competitive rates, but you have to do it on their terms.

Physical Address

Guide to Lenders

950 Tower Lane, 6th Floor

Foster City, CA 94404


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