Steve Ruprecht- Guaranteed Rate Inc logo

Steve Ruprecht- Guaranteed Rate Inc

About us

Branch Manager/VP of Mortgage Lending NMLS# 389036 at Guaranteed Rate NMLS# 2611. I have been in the mortgage business for over 24 years. Honest, Professional, Knowledgeable. Steve Ruprecht has been in the financial industry as a loan officer since 1992. His success comes from his hard work ethic, attention to detail, and knowledge of loan products. He has exceptional experience in all residential lending products including Conventional, JUMBO, FHA, and USDA Rural Housing programs. He is committed to educating and helping clients achieve their dream of home ownership. Steve’s years of experience has helped guide his clients through the ever-changing mortgage market. http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611

Business highlights

33 years of experience

Services we offer

2nd Mortgages, Conventional, FHA, Jumbo, Purchase, Refinancing, Rural Housing, VA, and guaranteed rate with ability to lend in all 50 states., closing & funding, free mortgage planning service, in house underwriting

Amenities

Free Estimates

Yes

Accepted Payment Methods

  • CreditCard
Reviews
4.956 Reviews
Number of StarsImage of DistributionNumber of Ratings
5
96%
4
0%
3
2%
2
2%
1
0%
Showing 1-25 of 56 reviews
Holly H.
Dec 2020
5.0
Yes, I recommend this pro
Everything went very smoothly and I got good rate. I will would call him again.

Holly H.
Jan 2018
5.0
Yes, I recommend this pro
Steve did a great job working around what I needed and got me the best deal I could find online or from my bank.

Bec D.
Sep 2017
5.0
Yes, I recommend this pro
Amazing service. Helped me through figuring out what was my best option, gave me estimates to help make the best decision, and was always available to answer all my questions. The whole process went smooth, wasn't stressful and went pretty quick as well.
Response from Steve Ruprecht- Guaranteed Rate Inc
"Thanks fro the review [Member Name Removed], I really appreciate it!"

Holly H.
Jun 2017
5.0
Yes, I recommend this pro
Great! He was able to get me a better rate than I would have gotten anywhere else I could find. And it was much easier and more pleasant than the other companies I talked to.

Michael H.
May 2017
5.0
Yes, I recommend this pro
Terrific, no problems

Josh J.
Mar 2017
5.0
Yes, I recommend this pro
Steve helped guide my wife and I through the entire mortgage process including all of our unique background information. Steve was incredibly responsive and was always there to answer any questions we had.

TRACY E.
Jan 2017
5.0
Yes, I recommend this pro
Steve did an awesome job! He was fast, accurate and always professional. As a real estate investor himself, he helped me think through a strategy around financing my primary residence and securing a line of credit to allow me to move forward with rental home investing. His rates and his service could not be beat! I plan to work with Steve for a number of years as I execute on my strategy to investment in rental homes. Thanks, Steve!

Randy A.
Jan 2017
5.0
Yes, I recommend this pro
Excellent from start to finish, there were no deviations at all, and the services were performed within the time frame listed and for less money than initially quoted. I own 5 homes, and buy and sell frequently. Steves company was the best I have found, and I wish I had known of his company sooner! A Plus, Plus!

Christine T.
Jan 2017
5.0
Yes, I recommend this pro
Great he was very professional and nice to work with and also help us save money on our insurance

Chellie S.
Nov 2016
5.0
Yes, I recommend this pro
$2,200
Steve is kind of amazing. He matched my organization at every turn... in fact, between us we had my loan ready for approval within 3 days! I closed within2.5 weeks. Steve is NOT the typical mortgage lender. He made the process easy and pleasant, if that's even possible. He was available at a moment's notice to answer questions and move the process along. And because he is so agile, we were able to lock in a low rate before they got high. I'm so grateful I found Steve to do my re-fi. Now that the loan is final, I feel like I also have made a friend.
Response from Steve Ruprecht- Guaranteed Rate Inc
"Thank you so much for the kind comments [Member Name Removed]! I really appreciate you trusting in me for your mortgage needs. I am so pleased I could help and come thru the way we did. You were great to work with and you are always welcome to call me if you ever have mortgage related questions down the road."

Andrew B.
Jul 2016
5.0
Yes, I recommend this pro
I recently purchased my first home and investment property in the Twin Cities, and Steve played a major role in working to ensure everything went smoothly. Steve always kept me posted at every step in the process, and worked with my realtor and I to navigate through numerous complicated issues we encountered that threatened to derail the deal. His prompt communication and sharp eye for details made all the difference. Working with Steve was great! Highly recommend him!
Response from Steve Ruprecht- Guaranteed Rate Inc
"Thank you [Member Name Removed]! I hope you enjoy life in "Uptown". I am so pleased that things worked out and really enjoyed working with you. Stay in touch and I'm sure we will be talking once again in the future."

Cora P.
Apr 2016
5.0
Yes, I recommend this pro
$1,675
Steve was an asset throughout our long journey to a mortgage with a new construction residential purchase. He was knowledgeable, responsive, experienced. I called him after reading Angie's List reviews, I unreservedly recommend him. Prices for mortgage origination ($1190) and appraisal (before and after new construction, $485 in total) were reasonable. All document transmission and signing was straightforward. We had plenty of information about what we needed to supply and when to supply it. On the day we locked the mortgage rate we achieved the average rate that day estimated by sources like MortgageNewsDaily.com's 30-year fixed daily survey. Highly recommended! Thanks, Steve.

William G.
Apr 2016
5.0
Yes, I recommend this pro
$1,000
Steve was very knowledgeable, professional, and quick to respond to all of our questions.  We had a trickier loan because we were purchasing a home owned by HUD, which caused a lot more hoops that needed to be jumped through.  I was very pleased with his service and would highly recommend him with no reservations!

Matt R.
Feb 2016
5.0
$1,000
Steve and the team were fantastic. I originally found him here on Angie's List because I wanted someone we didn't know but had good reviews. We had a situation where we had a great amount of equity in our home, but a lot of revolving debt. Steve helped guide us through the whole process with our best interests in mind. Always quick to respond, honest and gracious. I'd use them again.

Michael L.
Jan 2016
5.0
Yes, I recommend this pro
$2,000
unknown
Response from Steve Ruprecht- Guaranteed Rate Inc
"Thanks so much for the review. I appreciate it and I am very pleased I lived up to your expectations!"

Jessica K.
Sep 2015
5.0
Yes, I recommend this pro
Steve and his staff were always available and prompt with replies. We were able to get approved and refinance our home with no problems. We would definitely recommend Steve for refinancing your mortgage.

Jessica K.
Jul 2015
5.0
Yes, I recommend this pro
unknown

Sandy W.
Apr 2015
5.0
Yes, I recommend this pro
Steve listened to what we wanted, and answered every question we had. He was very patient and thorough. He looked for any obstacles that might come up and solved any problems as they came up. We highly recommend Steve for all your mortgage needs

-MARY S.
Mar 2015
5.0
Yes, I recommend this pro
$1,090
I had a very positive experience working with Steve.  He's always available for questions and makes each step of the financing process very clear.  At one point I suddenly needed an approval letter on a Sunday afternoon to make an offer on a condo and Steve was immediately available and provided the letter within an hour.  On another instance, I applied for a credit card a week before closing.  This caused issues with the bank providing the loan because they saw a change in my credit report.  Steve was able to explain to the bank what happened and the incident didn't end up affecting the closing.  Would recommend to friends and family.
Response from Steve Ruprecht- Guaranteed Rate Inc
"Thank you so much for the review and I hope you're enjoying your new condo. I would be happy to answer any further questions that you may have with homeownership and hope to hear from you again in a frew more years if you ever need mortgage services again!"

CARYL E.
Feb 2015
5.0
Yes, I recommend this pro
unknown

Michael L.
Jan 2015
5.0
Yes, I recommend this pro
$2,000
unknown

KATE C.
Dec 2014
5.0
Yes, I recommend this pro
We refinanced our home back in early 2012 and that was our first experience with Steve.  It was all very easy and we went from a 30-yr @ 6% down to a 15-yr @ 3.125%...payment only went up $40 per month!  Closing on this was SO easy...one of his colleagues came straight to our home, walked us through the paperwork (no surprises as we'd already previewed with Steve), and we started signing!  When it was time to buy another home, we went straight back to Steve and never thought of looking for anyone else.  We now have another mortgage of 30 yrs @ 3.99%...wow! 
Steve is very available, wants to provide/explain all of your options and is clear in what he needs from you during the process.  In our recent purchase, he noticed that if we went with the regular "rack" interest rate, we wouldn't be using all of the 3% in closing costs that the sellers had agreed to pay.  So, Steve suggested (and we moved forward) in buying down our interest rate in order to maximize the amount of free money that the buyers agreed to pay.  Smart stuff!
Check Steve out and don't look back.  He's a winner!

Kris C.
Nov 2014
5.0
Yes, I recommend this pro
He and a closer came to our house and helped us sign all the papers before dinner time.

Vernon B.
Nov 2014
5.0
Yes, I recommend this pro
Steve was very helpful. He was also very professional. We used his services for three years.

Mike S.
Nov 2014
5.0
Yes, I recommend this pro
Everything turned out just as we expected. Steve was always available for any questions I had.
Showing 1-25 of 56

Licensing

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FAQ

Steve Ruprecht- Guaranteed Rate Inc is currently rated 4.9 overall out of 5.

Steve Ruprecht- Guaranteed Rate Inc accepts the following forms of payment: CreditCard

Yes, Steve Ruprecht- Guaranteed Rate Inc offers free project estimates.

No, Steve Ruprecht- Guaranteed Rate Inc does not offer eco-friendly accreditations.

No, Steve Ruprecht- Guaranteed Rate Inc does not offer a senior discount.

No, Steve Ruprecht- Guaranteed Rate Inc does not offer emergency services.

No, Steve Ruprecht- Guaranteed Rate Inc does not offer warranties.