Steve Ruprecht- Guaranteed Rate Inc

Mortgage Companies

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 trusted experience

Services we offer

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

Services we don't offer

NA

Amenities

Free Estimates
Yes


Accepted payment methods

American Express
Check
Discover
MasterCard
Visa

Photos of past projects

Reviews

4.959 Reviews
Number of StarsImage of DistributionNumber of Ratings
5
95%
4
0%
3
3%
2
2%
1
0%


Rating CategoryRating out of 5
quality
4.9
value
4.9
professionalism
4.9
responsiveness
4.9
punctuality
5.0
Showing 1-25 of 59 reviews

Bec D.
09/2017
5.0
mortgage broker
  + -1 more
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.
Description of Work: Refinanced my mortgage

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Response from Steve Ruprecht- Guaranteed Rate Inc
Thanks fro the review [Member Name Removed], I really appreciate it!

Holly H.
03/2017
5.0
mortgage broker
  + -1 more
Everything went very smoothly and I got good rate. I will would call him again.
Description of Work: I wanted to refinance
Rating CategoryRating out of 5
Yes, I recommend this pro

Holly H.
03/2017
5.0
mortgage broker
  + -1 more
Steve did a great job working around what I needed and got me the best deal I could find online or from my bank.
Description of Work: Refinancing my townhome

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Holly H.
03/2017
5.0
mortgage broker
  + -1 more
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.
Description of Work: I wanted to refinance my town home.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Josh J.
03/2017
5.0
mortgage broker
  + -1 more
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.
Description of Work: Mortgage broker

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

TRACY E.
01/2017
5.0
mortgage broker
  + -1 more
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!
Description of Work: Refinance primary residence and secure line of credit for investment in rental homes

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

randy A.
01/2017
5.0
mortgage broker
  + -1 more
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!
Description of Work: Steve is a mortgage broker, and refinanced one of our houses. Nothing but true praise for this company, Completed with alacrity and without errors!.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

christine T.
01/2017
5.0
mortgage broker
  + -1 more
Great he was very professional and nice to work with and also help us save money on our insurance
Description of Work: Home Refinance and home & auto insurance

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Chellie S.
11/2016
5.0
mortgage broker
  + -1 more
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.
Description of Work: I needed a Re-Fi and I logged on to Angie's list and found Steve Rurecht had the best reviews.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$2,200

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.
07/2016
5.0
mortgage broker
  + -1 more
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!
Description of Work: FHA loan on owner-occupied investment property.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

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.
04/2016
5.0
mortgage broker
  + -1 more
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.
Description of Work: Mortgage origination

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,675

William G.
04/2016
5.0
mortgage broker
  + -1 more
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!
Description of Work: Provided a mortgage loan including loan processing, underwriting, navigating the difficult HUD purchase process.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,000

Matt R.
02/2016
5.0
mortgage broker
  + -1 more
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.
Description of Work: Refinance

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

$1,000

Jessica K.
09/2015
5.0
mortgage broker
  + -1 more
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.
Description of Work: Refinanced our home

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Cora P.
05/2015
5.0
mortgage broker
  + -1 more
Extremely knowledgeable. We discussed a range of options in response to my many queries. We look forward to working with Steve as our plans progress.
Description of Work: Initial phone consultation.

Rating CategoryRating out of 5
quality
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Jonn P.
05/2015
3.0
mortgage broker
  + -1 more
I chose another lending institution.
Description of Work: Nice individual but not overly thrilled with the service. To be fair, my situation was a little bit more complicated then a normal refinance.

Rating CategoryRating out of 5
quality
3.0
value
4.0
professionalism
4.0
responsiveness
3.0
punctuality
3.0

$2,600

Sandy W.
04/2015
5.0
mortgage broker
  + -1 more
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
Description of Work: Mortgage broker. Worked tirelessly to make the whole mortgage process go smoothly as possible. Closed on our house on the day it was scheduled.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

-MARY S.
03/2015
5.0
mortgage broker
  + -1 more
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.
Description of Work: Helped finance mortgage for a condo.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
$1,090

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!

KATE C.
12/2014
5.0
mortgage broker
  + -1 more
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!
Description of Work: Refinance in 2012 and new home purchase in 2014

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Kris C.
11/2014
5.0
mortgage broker
  + -1 more
He and a closer came to our house and helped us sign all the papers before dinner time.
Description of Work: Yes, working with Steve was worth it. We refinanced in 2012 and he got us a good rate.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

vernon B.
11/2014
5.0
mortgage broker
  + -1 more
Steve was very helpful. He was also very professional. We used his services for three years.
Description of Work: Steve arranged a mortgage.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Joshua K.
11/2014
5.0
mortgage broker
  + -1 more
He is easy to work with and the experience went smoothly. Steve is great.
Description of Work: Steve provided me with a loan for a house. I have also used his services for a client.

Rating CategoryRating out of 5
quality
5.0
value
4.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Michael B.
11/2014
5.0
mortgage broker
  + -1 more
I have been working with them since June. Steve is fabulous. Steve was very interactive, communicative and it was a very positive experience.
Description of Work: We were able to get a home mortgage through them.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Mike & Erin S.
11/2014
5.0
mortgage broker
  + -1 more
Everything turned out just as we expected. Steve was always available for any questions I had.
Description of Work: They provided our loan for our new house we purchased.

Rating CategoryRating out of 5
quality
5.0
value
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro

Trent E.
10/2014
5.0
mortgage broker
  + -1 more
Steve helped us figure out how to buy a new house before we sold our old one. He had great ideas about bridge loans and made sure whatever we did financially didn't jeopardize qualifying for the new loan. He was very knowledgable and responsive to our questions and concerns.
Description of Work: Mortgage Banker

Rating CategoryRating out of 5
quality
5.0
professionalism
5.0
responsiveness
5.0
punctuality
5.0

Yes, I recommend this pro
    • 1(current)
    • 2
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Contact information

12924 63rd Ave N, Maple Grove, MN 55369

http://www.guaranteedrate.com/steveruprecht/

Service hours

Sunday:
8:00 AM - 6:00 PM
Monday:
7:00 AM - 9:00 PM
Tuesday:
7:00 AM - 9:00 PM
Wednesday:
7:00 AM - 9:00 PM
Thursday:
7:00 AM - 9:00 PM
Friday:
7:00 AM - 9:00 PM
Saturday:
8:00 AM - 6:00 PM

Licensing

Bonded

Insured

Eco-friendly Accreditations

LEED Accredited Professional
No
Energy Star Partner
Yes
EPA Lead-Safe Certified
No
Use Green Products or Work Practices
Yes
State Contractor License Requirements

All statements concerning insurance, licenses, and bonds are informational only, and are self-reported. Since insurance, licenses and bonds can expire and can be cancelled, homeowners should always check such information for themselves. To find more licensing information for your state, visit our State Contractor License Requirements page.

*Contact business to see additional licenses.


Service Categories

Mortgage Companies

FAQ

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

Sunday: 8:00 AM - 6:00 PM

Monday: 7:00 AM - 9:00 PM

Tuesday: 7:00 AM - 9:00 PM

Wednesday: 7:00 AM - 9:00 PM

Thursday: 7:00 AM - 9:00 PM

Friday: 7:00 AM - 9:00 PM

Saturday: 8:00 AM - 6:00 PM

Steve Ruprecht- Guaranteed Rate Inc accepts the following forms of payment: American Express,Check,Discover,MasterCard,Visa
Yes, Steve Ruprecht- Guaranteed Rate Inc offers free project estimates.
Yes, Steve Ruprecht- Guaranteed Rate Inc offers 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.
Steve Ruprecht- Guaranteed Rate Inc offers the following services: Conventional, FHA, Rural Housing, VA, Jumbo, Purchase, Refinancing, 2nd Mortgages, in house underwriting, closing & funding, free mortgage planning service, and guaranteed rate with ability to lend in all 50 states.
NA

Contact information

12924 63rd Ave N, Maple Grove, MN 55369

http://www.guaranteedrate.com/steveruprecht/

Service hours

Sunday:
8:00 AM - 6:00 PM
Monday:
7:00 AM - 9:00 PM
Tuesday:
7:00 AM - 9:00 PM
Wednesday:
7:00 AM - 9:00 PM
Thursday:
7:00 AM - 9:00 PM
Friday:
7:00 AM - 9:00 PM
Saturday:
8:00 AM - 6:00 PM