“Josh and his team provided an absolutely seamless experience... secured the best rate we could find anywhere and guided us through a very fast closing with exceptional communication.”
Josh and his team provided an absolutely seamless experience for my wife and me throughout the purchase of our dream property. They secured the best rate we could find anywhere and guided us through a very fast closing process with exceptional communication and professionalism.
What could have been a stressful experience was made easy from start to finish, which was especially appreciated since my wife was only a few weeks away from delivering our fourth child. Their attention to detail, responsiveness, and dedication gave us complete confidence every step of the way.
We are incredibly grateful to Josh and his team for helping make this dream a reality. We would gladly work with them again and highly recommend them to anyone looking for the very best in the business.
“Josh and his team made every step of buying a new home an easy process. Super professional and down to earth! Thanks to all of you for making our dream come true!”
Josh and his team made every step of buying a new home an easy process. They kept me informed of every detail. Super professional and down to earth! Thanks to all of you for making our dream (a single mom and her child) come true!
“Call Josh, I did again it's the best loan experience I've had. Thank you Josh and Team! Great Job Again!!”
I started my process of buying a new home about 2 months ago. The last time I bought a home was 2019 and I used Josh Epps at Rate. It was a great experience, very easy and I had all the support anyone would ever need. I'm 66 years old and I called Josh again to get pre approval for this purchase. I must say it was better than the first time. Rate has this process down to an art. This team of experts Josh, Keith Craddock, Suzanne Gray and others took care of ever step in the process. The Rate app had a task list for me to get done with simple uploads of needed information. The team continually checked in with me , making sure everything was going okay. When it came to the closing there were no surprises ( just like last time I used Josh) and all was perfectly setup. I can't say enough about this Team. If your in the market for a loan, give this Company, Rate, a chance to help you. You too will be happy with the results. Call Josh, I did again it's the best loan experience I've had. Thank you Josh and Team! Great Job Again!!
“Working with Josh and his team was outstanding. Moving long distance, I was prepared for this to be a challenge. Completely the opposite, we had smooth sailing the entire way.”
WORKING WITH JOSH AND HIS TEAM WAS OUTSTANDING. WE WERE SELLING IN TEXAS, MOVING TO SC AND SO DOING EVERYTHING LONG DISTANCE AND I WAS PREPARED FOR THIS TO BE A CHALLENGE. COMPLETELY THE OPPOSITE, WE HAD SMOOTH SAILING THE ENTIRE WAY. THANK YOU! YOUR TEAM ASSISTED US IN MAKING THE NEXT CHAPTER OUR OF LIVES COMPLETE. COULD NOT HAVE ASKED FOR MORE!
“Josh and Keith were an absolute pleasure to work with! They made the process so easy, and the communication was prompt and clear! We would recommend them to anyone looking for a loan!”
Josh and Keith were an absolute pleasure to work with! They made the process so easy, and the communication was prompt and clear! With owning our own business, personal loans can be complicated but not with Rate.com! We would recommend them to anyone looking for a loan!
“[T]hey did things I did not believe were possible and made it work. [...] They stayed in contact with us constantly through the process and made it seem relatively easy.”
Keith Craddock and Joshua Epps and Amy Simpson were an incredible team they did things I did not believe were possible and made it work. It was an absolute blessing having Keith as my Rate.com agent. We were able to purchase a beachfront condo in Myrtle Beach from all the way in California. They stayed in contact with us constantly through the process and made it seem relatively easy. My wife and I will definitely be using Keith again in the future and would not hesitate at all to recommend this company to anyone. My wife and I cannot thank Joshua Epps and Keith Craddock and Amy Simpson enough! Thank you again for making our retirement dream possible.
“I have purchased many homes and have had clients purchase homes and Josh and his team were very informative, the customer service was excellent and the way they worked with us was outstanding.”
Josh Epps and his team at Rate were the absolute best. I have purchased many homes and have had clients purchase homes and Josh and his team were very informative, the customer service was excellent and the way they worked with us was outstanding. I would highly recommend Josh and his team.
“Josh, Keith and their staff are by far the most professional and knowledgeable in the business. If you're looking for an amazing lender [...] the Rate team is your golden find!”
Josh and Keith have exceeded any and all expectations of my entire loan process. Any call or text was always returned promptly and in complete detail. I've worked with many lenders in the past and Josh, Keith and their staff are by far the most professional and knowledgeable in the business. If you're looking for an amazing lender who will take care of you completely from the start of the process to closing you won't have to look further, the Rate team is your golden find!
“They efficiently executed every phase of the process with superior communication, explaining every detail and leaving no stone unturned. They are exceptional!”
Josh Epps and his team at Guaranteed Rate did a spectacular job from pre-approval all the way through funding the loan for our new retirement home. Rate exceeded our expectations. They efficiently executed every phase of the process with superior communication, informing us of what was needed, explaining every detail and leaving no stone unturned. I highly recommend Josh and his team at Guaranteed Rate to deliver the funding you need. They are exceptional!
“Best mortgage broker I've ever worked with. Keith Craddock provided fantastic service from start to finish. He's honest, friendly and professional.”
Best mortgage broker I've ever worked with. Keith Craddock provided fantastic service from start to finish. He's honest, friendly and professional. Joshua Epps has put together a dream team, as Alexa who assisted with conditional approval, and Amber who got the mortgage to closing, were also absolutely fantastic. Haven't ever written a review for a mortgage broker before but Rate greatly reduced my stress by staying on top of every single detail. Everyone was so professional and responsive. I will always use them in future.
MMargaret W.
“This is my second time working with them and it was as easy as the first. Their attention to detail is amazing as is their quick response time. They advised me rather than try to sell me.”
Josh and Keith and their team were excellent to work with. This is my second time working with them and it was as easy as the first time. Their attention to detail is amazing as is their quick response time. They advised me rather than try to sell me which instilled confidence they were looking out for my best interests. I highly recommend their services if you are looking to buy a home or refinancing.
Response from Owner
We are pleased to work with you twice! Thank you for trusting my team and I with your home financing needs.
“Any loan process is stressful but when it is moving to another state it’s even more but... they all answered all my questions n kept me calm and positive during the whole process.”
I can not thank Joshua Epps, Keith Craddock and Monica Moore at Guaranteed Rate enough for their EXCEPTIONAL work, patience , guidance n caring at getting me my loan for my house in South Carolina. Any loan process is stressful but when it is moving to another state it’s even more but from Day 1 when I talked to Joshua and gave him all my information and he than introduced me to his Amazing Team of Keith and Monica they all answered all my questions n kept me calm and positive during the whole process. They knew exactly when to lock in my best rate and gave me plenty of time with the final amount i needed to have wired over for the closing. And after the closing all 3 of them sent me Best Wishes n Congratulations and made me feel like Family. I will always highly recommend Joshua, Keith and Monica at Guaranteed Rate and than you will experience the Phenomenal Job by all of them. Keep up the Tremendous Excellent Work. God Bless Always .
“The process was easy, fast, and efficient. I can't say enough good things about Guaranteed Rate. If you're in the market for a new home, give these folks the chance...”
Josh Epps and his team at Guaranteed Rate are the absolute best!! Keith Craddock and the rest of the team go out of their way to assist you in any way they can. When Josh says, we got you, he means it. The process was easy, fast, and efficient. I can't say enough good things about Guaranteed Rate. If you're in the market for a new home, give these folks the chance to finance your purchase. You wont be sorry.
“Josh and his team made the home buying process easier than I ever thought possible. As first time home buyers we needed guidance, and Josh was there to answer every question.”
Josh and his team made the home buying process easier than I ever thought possible. As first time home buyers we needed guidance, and Josh was there to answer every question we threw his way. He kept us in the loop throughout the loan process and made our dream come true to be homeowners!
“Josh is outstanding at providing customer service. He has made helping others his passion and strives to assist to get everyone into their forever home. He leads with purpose.”
Josh is outstanding at providing customer service to his borrowers. He has made helping others his passion and strives to assist to get everyone into their forever home. He's a team player and leads with purpose. If you're looking for someone to get it done and done right, look no further than Josh Epps.
“I've closed on many properties and this was by far the easiest/smoothest transaction I've ever had! Kudos Josh and team and huge Thank you!”
Highly recommend Josh and his team! I've closed on many properties and this was by far the easiest/smoothest transaction I've ever had! Kudos Josh and team and huge Thank you!
Response from Owner
Thanks Ms. Souza, it's been a pleasure working with you multiple times. Happy that you trust myself and Guaranteed Rate with your business.
“Kept us updated throughout the process and is very professional, courteous and a true pleasure to work with. Highly recommend!”
We've had the opportunity to work with Joshua on a recent closing and he was great to work with. Kept us updated throughout the process and is very professional, courteous and a true pleasure to work with. Highly recommend!
“I have had many houses in the past and this experience was the easiest that I have ever had. Thanks to Josh and the team for an awesome experience.”
Awesome ex̌perience with Josh and the whole team. Everything was easy and as long as you completed your tasks it was simple. I have had many houses in the past and this experience was the easiest that I have ever had. Thanks to Josh and the team for an awesome experience.
“I loved how seamlessly the process proceeded, and when I showed up for the closing, I just had to initial and sign. I also appreciated the great communication and quick responses.”
Keith, Joshua, and Suzanne were great to work with. I loved how seamlessly the process proceeded, and when I showed up for the closing, I just had to initial and sign. I also appreciated the great communication and quick responses. Highly recommend for financing a home!
“Communication was always prompt. All questions from being a first time buyer put everything at ease and walked us through every step of the way. Keith and Josh are amazing.”
Communication was always prompt. All questions from being a first time buyer put everything at ease and walked us through every step of the way. Keith and Josh are amazing.
“When I thought it wasn't possible Keith made it happened and helped us figure out the best loan options. [...] Can't thank Joshua Epps and Keith Craddock enough!”
It was a absolute blessing having Keith as my Rate.com agent. He was so helpful in guiding us thru the process of being out of state but wanting a house in the south. When I thought it wasn't possible Keith made it happened and helped us figure out the best loan options. Extremely knowledgeable. I would not hesitate at all to recommend this company to anyone, family, friends looking to purchase a home.
Can't thank Joshua Epps and Keith Craddock enough! Thanks for making our dream possible.
Response from Owner
Thank you for your review! So grateful our team helped make your out-of-state home buying dream possible.
“Josh Epps, Kieth, and Suzanne took the stress out of home buying. Fast closing and great rate. Thank you for helping us get into our forever home!”
Josh Epps, Kieth, and Suzanne took the stress out of home buying. Fast closing and great rate. Thank you for helping us get into our forever home!
Response from Owner
Thank you so much for your kind words and 5-star review! It was a pleasure working with you, and I’m grateful for the opportunity to have helped with your home financing needs—wishing you all the best in your new home!
“Our recent loan experience with Guaranteed Rate on our purchase of a new home in Georgetown SC was superb. Josh and Keith [were] able to get the loan closed in 6 days”
Our recent loan experience with Guaranteed Rate on our purchase of a new home in Georgetown SC was superb. Josh and Keith when very helpful and were able to get the loan closed in 6 days
“Josh has put together a great team at Guaranteed Rate! [...] Anytime we've taken out a new loan, there has always been hiccups. Keith went to bat for us and made sure we succeeded.”
Josh has put together a great team at Guaranteed Rate! Keith Craddock patiently guided us through each step of our purchase and promptly responded to any of our questions. Anytime we've taken out a new loan, there has always been hiccups, and we weren't surprised when a few came up this round. Whenever something new came up, Keith made sure we had everything we needed and went to bat for us. I can 1000% say that without Keith's unwavering support, this purchase would not have gone through.
Kudos to Josh, Keith, Monica, and the unknown number of folks who helped us behind-the-scenes!
“First time home buyer here, was extremely surprised how easy the process was. Josh and Keith took care of everything and answered all of my questions without fail.”
First time home buyer here, was extremely surprised how easy the process was. Josh and Keith took care of everything and answered all of my questions without fail. Will definitely recommend, thank you for all you’re help.
“Josh and his Team including Keith Craddock made it seamless. I would highly recommend them”
Living a 1000 miles away can make a home purchase incredibly stressful, but Josh and his Team including Keith Craddock made it seamless. I would highly recommend them and will definitely use them on my next purchase.
“Keith and Josh were so kind and helpful, we appreciated their patience in helping us with a loan that we were told by ‘others’ was going to be difficult to get approved.”
Keith and Josh were so kind and helpful, we appreciated their patience in helping us with a loan that we were told by ‘others’ was going to be difficult to get approved. It was seamless and we would do it over again with them in a heartbeat!!
LLeeann B.
“Joshua and Keith were very easy to work with and kept in constant communication throughout the process. Their responses to my questions were always prompt.”
Joshua and Keith were very easy to work with and kept in constant communication throughout the process. Their responses to my questions were always prompt. Always informed me of next steps and what was happening in the process. Although I am technology challenged I was reluctant at first to use technology to apply for a mortgage but it was fast, easy and secure.
TThomas M.
“Josh, Keith and team kept us well informed, were quick to answer any questions and helped us to finance the home we wanted. We would certainly recommend Rate to anyone...”
Josh, Keith and team kept us well informed, were quick to answer any questions and helped us to finance the home we wanted. We would certainly recommend Rate to anyone who is looking to finance a home.
“Josh and his team kept us well informed, and helped us to finance the home we wanted. We would certainly recommend him and Guaranteed Rate to anyone who is looking for a home.”
Josh and his team kept us well informed, and helped us to finance the home we wanted. We would certainly recommend him and Guaranteed Rate to anyone who is looking for a home.
Response from Owner
Thank you Mr. Keener, I enjoyed working with you and appreciate the endorsement!
“From start to finish [Guaranteed] Rate was [phenomenal]. The #'s they give you for your down payment and your mortgage amount is exactly what you pay. Excellent team work.”
From start to finish Gauranteed Rate was funominal. The #'s they give you for your down payment and your mortgage amount is exactly what you pay. Thank you Joshua, Keith and Suzanne for all your help. Excellent team work...
“Josh and Keith were amazing. I never had any worries, and they took care of all issues and then some. I would call concerned, and they always put my mind at ease.”
Josh and Keith were amazing. I never had any worries, and they took care of all issues and then some. I would call concerned, and they always put my mind at ease. Awesome team to work with!!!!
“Josh and Keith were excellent to work with. The mortgage process was completed extremely fast. I would highly recommend them to anyone wishing to get a mortgage.”
Josh and Keith were excellent to work the mortgage process was completed extremely fast I would highly recommend them to anyone wishing to get a mortgage
“Josh and Keith were so helpful throughout my mortgage loan process. They were always there to help with questions and their response time was always amazing.”
Josh and Keith were so helpful throughout my mortgage loan process. They were always there to help with questions and their response time was always amazing. Thank you for all your help, you guys are the best.
“I would recommend anyone looking to get a home loan or refinance use Josh he’s the best around !! Thank you & your team for your speedy turnaround !!”
I would recommend anyone looking to get a home loan or refinance use Josh he’s the best around !! Thank you & your team for your speedy turnaround !!
Thanks Nick G.
“Extremely helpful and knowledgeable. We will always use Keith for future home loans.”
Keith has now helped us close on another home. He did such an incredible job on the first one we turned around and went back to have him do it again for us. Extremely helpful and knowledgeable. We will always use Keith for future home loans.
“The process has been outstanding. Keith has been great to work with and really has became a friend. I would recomend the Rate to others wanting to purchasing a new home.”
The process has been outstanding. Keith has been great to work with and really has became a friend. I would recomend the Rate to others wanting to purchasing a new home. Everyone pays attention to the detail necessary to make the process easy for the customer. Just can't say enough for the great organization. Jennings Nelson
JJennings N.
“long distance closing was effortless very professional,Thank you for all your help”
Keith Craddock an Joshua Epps of Rate was a great pleasure having them on the other side of the phone long distance closing was effortless very professional,Thank you for all your help
“This was the second time around with Josh and Rate Mortgage and I was hoping it would be as great as it was the first time, and it is.”
Midpoint progress was great. I was kept informed co tinualky of what I needed to do, what was complete and who I should hear from next. This was the second time around with Josh and Rate Mortgage and I was hoping it would be as great as it was the first time, and it is. Very professional, informative and assisting with any of my questions/needs. Great job so far!
PPatrick G.
10/10
“Josh and Kevin invited an excellent service and went the extra mile for me. Kevin is very knowledgeable and does his best to get you through the process.”
Josh and Kevin invited an excellent service and went the extra mile for me. Kevin is very knowledgeable and does his best to get you through the process.
I will definitely be referring them to my friends and family. Thank you, both everything
MMarion M.
“I was amazed at the personal service. At anytime we could reach out for questions or concerns. The entire team cheered us on to home ownership. Everyone made it so easy.”
I was amazed at the personal service we received by every member on our assigned team. Keith was in constant contact with us. At anytime we could reach out for questions or concerns . His response was within 5 minutes , even on the weekends. The entire team cheered us on to home ownership. Everyone made it so easy. The first email Keith promised us we would close in 30 days and we did !! If we had to sum our experience up in one statement.......A company sent from Heaven to hold our hand and accomplish our dream.
