Serving Stafford & Surrounding Communities

Stafford's mortgage partner you can count on.

From first-time buyers to seasoned investors, we bring clarity, speed, and competitive rates to every loan. Your next chapter starts with the right foundation.

Get Your Free Quote Call (540) 427-7595

Licensed & Insured

Fast Pre-Approvals

Competitive Rates

Your Home Awaits

Start your journey today

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Commitment to every client

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Our Services

Comprehensive mortgage solutions for every stage of your journey

Whether you're buying your first home, refinancing an existing loan, or exploring investment properties, we tailor our approach to your unique financial picture.

Purchase Loans

From conventional to FHA, VA, and USDA — we find the right loan program to fit your budget and goals. First-time buyers get special guidance every step of the way.

Refinance

Lower your rate, shorten your term, or tap into home equity. Our refinancing experts analyze your current loan and show you exactly what's possible.

Investment Properties

Build your portfolio with confidence. We offer competitive rates and flexible terms for rental properties, multi-units, and fix-and-flip financing.

VA & Military Loans

Honor your service with a mortgage that honors you. Zero down payment, no PMI, and rates that respect the sacrifices you've made.

Pre-Approval

Get a clear answer fast. Our streamlined pre-approval process gives you the confidence sellers take seriously — and the budget clarity you deserve.

Consultation

Not sure where to start? Book a free, no-obligation consultation. We'll review your finances, answer your questions, and map out the best path forward.

Office interior at Guaranteed Rate in Stafford

About Us

A Stafford institution built on trust and transparency

Guaranteed Rate has been a cornerstone of the Stafford financial community, helping families and investors navigate one of the most significant decisions of their lives. We don't believe in hidden fees, confusing jargon, or pressure tactics — just honest advice and competitive rates.

Located on Garrisonville Road, we're conveniently positioned to serve Stafford, Fredericksburg, and the greater Northern Virginia region. Our team stays current on the latest lending programs so you never have to.

20+

Years of Experience

5,000+

Families Served

A+

BBB Rating

50+

Loan Programs

How It Works

Four straightforward steps to your new loan

We've simplified the mortgage process so you can focus on what matters — finding the right home.

Apply Online

Complete our secure online application in under 10 minutes. Share just enough to get started — we'll guide you through the rest.

Get Pre-Approved

Our underwriters review your file quickly. You'll receive a clear pre-approval letter so sellers know you're serious.

Choose Your Loan

Compare loan options side by side. No pressure — just clear explanations so you can pick what fits your life.

Close & Enjoy

At closing, you'll review everything in detail. Once signed, you'll hold the keys — and the peace of mind that comes with it.

Client Stories

What our clients say about us

"We were nervous about our first home purchase, but the team made everything feel straightforward. They explained every option clearly and never made us feel rushed. Closed in three weeks — couldn't have asked for smoother."

Michael & Sarah T.

First-Time Buyers, Stafford

"I refinanced my home to grab a lower rate and ended up saving over $200 a month. The process was painless — they handled all the paperwork and kept me informed at every step. Highly recommend."

David R.

Refinance Client, Fredericksburg

"As a veteran, I needed someone who understood VA loans inside and out. Guaranteed Rate made the process seamless and got me a rate I wasn't expecting. They truly care about their clients."

James W.

VA Loan Client, Stafford

Let's start a conversation

Have questions about your mortgage options? Want to schedule a consultation? Reach out — we respond within one business day.

Office Address

385 Garrisonville Rd Ste 117
Stafford, VA 22554

Phone

(540) 427-7595

Office Hours

Monday – Friday: 9:00 AM – 5:00 PM
Saturday: By Appointment
Sunday: Closed

Send Us a Message

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