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Champions Mortgage or Guaranteed Rate for first time buyers?

We're finally biting the bullet in 2026 and buying a home. We are stuck between Champions Mortgage and Guaranteed Rate. GR seems to have really good tech, but Champions was recommended by a friend. Thoughts?

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2 Comments
grantcooper
grantcooper2mo agoMost Upvoted

Guaranteed Rate is a massive corporation, so you're just a number to them. I went with Champions because they actually walked me through houston down payment assistance options that the big national lenders don't even bother mentioning or checking for.

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brian_murray

Totally agree with the above. Local lenders are always better than the big box ones. Champions closed my loan smoothly and their communication was fantastic from start to finish.

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