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TX - Houston

Branch Manager: Steven McGilbray
  • o: 713-396-5738
  • f: 773-328-1946
2100 West Loop South, 8th Floor, Offices 801 & 824 , Houston, TX 77027
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NMLS: 1015407
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Everyone did a great job!!!

Jeffrey S. | July 2018

Steven was extremely responsive throughout the process and offered the best solution when some issues occurred.

Yung-Teng L. | June 2018

This is by far the most efficient way of obtaining a mortgage loan. Steven and his team were excellent right from the word go. I never had to wait for responses for any of my questions - phone, email, text. Steven was available 24/7 to answer my questions, extremely polite, responsive and a great guy with amazing leadership qualities. Nicole is one of the most detail oriented persons I have ever worked with. She is thorough, meticulous and pays close attention to details. Like Steven, she was...

Jaivijay R.- JUN 2016

Steven McGilbray is excellent -- professional, responsive and experienced. He walked through everything and took the time to explain the details. We had some timing constraints, and he ensured that the process wasn't delayed and went above and beyond to keep me apprised of the process, dealing with any questions or issues immediately. I'm very, very pleased.

Miguel K. -Houston, TX | APR 2016

I switched from Chase to Guaranteed Rate. I couldn't have asked for better service from Steven! I got a great interest rate on my loan. No hassles or runaround. Fast, efficient and friendly. Ensured that funding was done so I could closed on time. Thank you!

Houston, TX- Nov 5, 2015

I had a great experience with Mr. .McGilbray - all of my questions were answered very quickly, I got a good interest rate, and he was able to successfully push my loan through very quickly so that we could close early. We made an offer on and executed the contract for the house on 9/11, and were able to close on 9/25. Everything went very well!

Houston, TX - Sep 25, 2015

Steven did an impressive job on helping me get the loan. He is knowledgeable, transparent to their charges and policies, and extremely prompt to all my questions and requests. We got a very good interest rate from Steven and he did a great job estimating the closing cost so there was not any surprises at the closing.

Katy, TX 77450- Sep 18, 2015

Steven was amazing. Very friendly, helpful and efficient. He was always available whenever I had questions!

Lauren U. – Houston, TX | SEP 2015

We shopped our loan before we chose Steven. He had the best rates, but he was also the most attentive and accessible. We would use him again in a heartbeat!

Cara F.

Steven was great. Literally available at all hours on any day to answer our questions by phone or email. Extremely prompt. He made our first home purchase really easy and he tried to take as much of the anxiety out of the process as possible. Really great guy.

A Satisfied Customer

Steven knows his job very well.He makes the lending process to go smoother from start to finish. I will pass this recommendation to all my friends to work with Guarantee Rate. He is very amicable and always has a smiling face. I respect him from the bottom of my heart. Our closing was beyond my expectation, preformed so quickly along with a very well refined closing process. I am so happy.

Zufan F. -- Houston TX 3/3/2014

Steven got us the best deal and was available anytime day or night to answer questions. Also he got us ready to close in just over a week in a painless process.

Buyer from Sugar Land, TX

Steve was fantastic to work with. Being first time home buyers, my husband and I were new to the process and a little intimidated by the lending experience. However, Steve explained everything and was easy to get a hold of if we had questions. His whole team is exceptional and I wouldn't hesitate to recommend him to a friend or family member.

Townhouse Buyer from Houston, TX

“Steven and the Guaranteed Rate team exceeded my expectations with their dedication and professionalism. From the outset, they got me better rates and lender credits and closed the loan faster than the other institutions. I felt that Steven was committed to my cause all throughout my process. The lines of communication were always open and Steven was always available to provide updates and coordinate with other team members to ensure seamless delivery. I high recommend Guaranteed Rate!”

Akin A. – Cypress, TX – 7/2013

“Steven closed my loan from start to finish within 2 weeks. He set realistic expectations upfront and carried them out with vigor. He always replied to my phone, email and text messages within minutes. Steven was humble, tolerant and kind throughout the entire process. I watched in awe time as Steven put his heart, mind, intellect and soul into even the smallest things. His enthusiasm truly moves the world!”

Syed R. – Sugar Land, TX – 8/2013

“Steven is one of the hardest working people I have ever met! Thank you so much to Steven and Guaranteed Rate!”

Aria S. – Houston, TX – 9/2013

Special thanks and recognition to Steven McGilbray for his sincere helpfulness, diligence and professionalism throughout the entire process all the way to closing. He is truly exceptional.

Bonifacio I.

Steven was very responsive in tracking the rates and locking everything in and get the process moving. Steven was great to talk to and very knowledgeable. This is my 2nd loan with Guaranteed Rate although not with the same person. I felt Steven worked to earn the business and stayed on top of things.

Nuo T.

It was a pleasure working with the Guaranteed Rate team. Competitive pricing and the closing process was very easy. Steven McGilbray is very experienced, proactive and able to resolve any problems quickly. He was available late evenings and weekends that helped tremendously. Will definitely use Steven, again and recommend to everyone.


Brandon was communicative and made time for my questions. Good broker. Even if he made money off of the sale, that is fine by me. He deserves it. Michelle Lee and LA Silvers also did a fine job making sure we closed on the 31st. Great team.

Naqqash S. - May | 2018


Here at Guaranteed Rate, we have a philosophy to “lend where we live” and our office is proud to be originating loans in the Houston area. We are happy to call Houston our home and enjoy all our local attractions like the Space Center Houston, the Houston Livestock Show and Rodeo, World’s Champion Bar-B-Que Contest and more! In our market, we know that Conventional, FHA, Jumbo, Refinance and VA loans are important to you and we are not only dedicated to meeting those needs, but also are armed with a full array of loan products, so that we can meet all of your lending needs. We put the customer first and you will see this through our responsiveness. You can reach us 7 days a week and we also make it a priority to attend closings.

We are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. This is invaluable to both clients and realtors because it streamlines the loan process. It allows clients to choose their own loan type, receive free credit scores from all three bureaus, securely upload and digitally sign your loan documents then receive a real online approval!

You will find that we strive for the industry leading value proposition for our loan officers, referral sources and customers at Guaranteed Rate, which is why we work by a set of Core Values. While each of these are important to our success, our office embodies the “Put the Customer First” and “Deliver Results” core values.

As an office, we also believe that it’s important to have fun. We’re proud Texans and also love to root for our local teams, the Astros, Dynamos, Rockets and Texans!

Our branch is looking to grow its production this year, so if you’re looking for new career opportunities, start with us! We hire the best of the best and are looking for team members with integrity and honesty that are willing to go above and beyond to help consumers. Come grow with us!
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