GuaranteedRate - Mortgage Company
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MI - Ann Arbor

Branch Manager: Rick Richter
  • o: 734-368-9250
625 Avis Dr, Ste 200, Ann Arbor, MI 48108
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NMLS: 1159877
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TestimonialsCustomer testimonials Read more

Chris was very knowledgeable and always made himself available when needed. The whole process was made simple and understandable. I would highly recommend Chris to anyone looking to refinance or get a new loan.

Atef E. – 12/9/2016

My loan officer was the best ever. Super quick answering emails, very polite, diligent, he made sure I understood every step and document. Was always available, I cannot be more grateful.

Aida F. – 11/29/2016

Chris Kapas was vital to getting this transaction completed. I was purchasing a home contingent on the sale of my current home which complicated things, but he was able to coach several of the parties involved on both of those separate transactions to help get this done. Thank you Chris!

Tobin L. – 9/28/2016

I met Chris Kapas years ago when I sold my house. He was there to assist the buying parties. I was so impressed with him, that when I was back in the market to purchase a home, I chose Chris to be my loan officer. I purchased my house, and have now refinanced with him twice. It is very rare that I find somebody who I have 100% confidence in, and Chris is one of those people. He explains processes clearly, quickly, and patiently. He has mastered communication. And he follows up and makes sure...

Michael P. – 8/31/2016

This was our fourth loan with Chris Kapas. Would use again, and recommend. He makes the process easy and understandable. The best!!!

Michael D. – 9/2/2016

Chris Kapas was terrific. He was very professional and easy to work with. He kept me informed every step of the way. I've bought and sold houses 14 times and Chris was the best I've ever worked with. The process was as painless as it could have been. Brandon and Aleecia were terrific as well. Great experience from a great team of people.

David M. – 8/17/2016

My loan officer, Chris, was very thorough and processed my loan by the closing goal date, which was only 30 days from purchase approval date, and when the appraisal ran late. Amazing job from him and his office. I hope to send business to him. Thanks.

Shannon E. – 8/11/2016

This is my second loan with Guaranteed Rate and Chris Kapas and his team are amazing. They are very responsive and Chris was always available to answer my questions. I will definitely recommend Chris to my friends and family who are looking for a mortgage. Thanks for all the hard work, I really appreciate it.

Ronald P. – 8/5/2016

Chris Kapas and his team provided outstanding service--AGAIN! We refinanced. As with our original loan, everything progressed effortlessly (on our part!). Just as Chris promised!! Everyone should be as fortunate as we are to have found such an amazing, knowledgeable, and trustworthy lending leader!!! We recommend Chris to everyone we know!! Thank you so very much for your extraordinary service!!!!

Joanne R. – 57/15/2016

My wife and I are extremely satisfied with the entire experience that Mr. Kapas provided. Excellent communication, being responsive, and treating us like we're more than just another client is how Mr. Kapas stood out in our minds. If we ever need to use Guaranteed Rate again, we will definitely reach out to Mr. Kapas. Thanks again for everything Chris, because of you, we were able to buy our first home.

Michael B. – 6/2/2016

Chris Kapas was a pleasure to work with, he made everything extremely easy for me, and I felt he put in a ton of work to make things proceed smoothly for me. I would definitely recommend friends and family to contact Chris with their mortgage needs, and I will definitely use him in the future. Thanks Chris!

David B. – 4/29/2016

Guaranteed Rate made everything so easy and simple! I was amazed at how it all worked so well online. My team did an excellent job and are to be commended!!

James L. - Waxahachie, TX | JUL 2016

By far the easiest financing process that I have ever been through!

Brenda T. - Spring, TX | JUL 2016

It was as close to a perfect show as it can get. Right from the time I called Rick Richter to closing the loan finally with the help of Matt Mitchell, things happened as were described earlier. Though I had some difference of opinion with Rick early on but he was absolutely clear about his position and that gave me the required confidence to commit to the loan with him. Rick comes across as extremely honest and ethical in his dealing and he in fact lived up to those expectations during my loan...

Raja – 3/30/2016

Dave Moore was very helpful and got my loan approved with very little trouble, even with my less than perfect loan package. I was able to close and he even got me extra money toward my closing which helped a lot at the end. I have already begun recommending him to all of my friends that are currently looking into buying their first homes, just like I WAS.

Bret S. | 08/18/2017

Guaranteed Rate and Dave Moore did a great job. The loan closed quickly and the process was easy and smooth. I would recommend him to anyone looking for a mortgage. This was the second time I've worked with Dave and I would use him over and over!!!

Zillow Review - 12/30/2016

Our loan officer David Moore was absolutely amazing. He made the process smooth and easy for us as first time home buyers. Absolutely would recommend him and Guaranteed Rate to family and friends. Thanks again Dave you rock.

Michael B. | Dec 2016

Brad was very knowledgeable and spent a lot of extra time to make sure I understood everything. I've closed 3 loans with Brad this year and plan to use him for another investment property purchase. Thank you!

David R. - Plainfield, IL | AUG 2016

A very smooth process! Thank you Brad and team!

Vipul Nidhi S. - Sunnyvale, CA | AUG 2016

I worked with Tony in the Ann Arbor, MI office. I was purchasing in Houston, Texas. I started with roughly 8 direct lenders and narrowed down to Guaranteed Rate - overall best deal I could find after pitting the lenders' offers against one another. As for the entire process (and even after closing) Tony was very quick to respond (minutes after emailing) and would always give me a call back if I left a voice mail. After closing I had a couple questions and he was still very diligent and...

Matthew | 5.25.17


At Guaranteed Rate, we have a philosophy to “lend where we live” and our office has been originating loans in the Ann Arbor area since 2014 with our office mascot – a Yellow Lab named Jackson! We are happy to share our home with the University of Michigan and love this town’s rich history as the founding city of the Peace Corps.

In our market, we know that FHA and Conventional 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 are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. Our clients really enjoy the ease of use and automation. The Digital Mortgage has cut the processing time by 50% in our office so we can deliver top quality loans in half the time. We are also available to all of our clients outside of standard business hours.

We strive for the industry leading value proposition for our loan officers, referral sources and customers, which is why we work by a set of Core Values at Guaranteed Rate. While each of these are important to our success, our office embodies the “Healthy, Balanced and Fun” core value. We have a great group of people working in Ann Arbor. The way we work together and enjoy one another is more like a family than a workplace.

Here in Ann Arbor, we put the customers first, and love to reward our team for doing so. We held a GR Palooza where our referral partners came out and had fun with our office – it was even called the best real estate function held in Ann Arbor history. We look forward to our community events as well, such as the Ann Arbor Art Fair, each year and you will always find our office cheering on our University of Michigan Wolverines!

While it is important that our office has fun, we also are dedicated to giving back. We sponsor many families around the holidays and also started a canned food drive locally among our employees and real estate agents. We love Ann Arbor and are always interested in learning about new ways we can give back to our community!

It is our branch’s goal to be the #1 lender in the Ann Arbor market. We are looking to grow our production through increasing our local footprint and unmatched customer service. If you’re looking for new career opportunities, start with us! We hire the best of the best and are looking to add professional, goal oriented, effective people with a commitment to excellence to our team. There is a reason the top Loan Officers across the country work here, and if you are looking to get to that level, we have the tools to get you there. Come grow with us!
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