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Better vs Guaranteed Rate
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Better | Guaranteed Rate |
|---|---|---|
| Wirly Rating | 4.3/5 | 4.3/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, Jumbo | Conventional, FHA, VA, Jumbo, USDA |
| Best For | Low fees | Wide loan selection |
Pros and Cons
Better
Pros
- +No origination fees or lender commissions
- +Transparent pricing with real-time rate quotes
- +Fast closing timeline in eligible markets
Cons
- -No VA loans
- -Limited physical locations for in-person support
- -Customer service can be inconsistent during high volume
Guaranteed Rate
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.