Joseph Smith – Guaranteed Rate – Legit or Scam?

I came across a critical review of Joseph Smith – Guaranteed Rate on a Scam Reporting website –, titled ‘Stressful Experience’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against Joseph Smith – Guaranteed Rate with a pinch of salt.

Here is what the review says –


I had a terrible and stressful experience with Joseph Smith – Guaranteed Rate. I first submitted an application online.Their web site matched me with Sammy Iliopoulos, with whom I communicated via email a few times about my finances, etc.Then, he said the computer system actually matched me with Austin Reed and had me work with Austin instead.I re-commmunicated to Austin about my finances. To make the story short, I was basically asked to send in paperwork after paperwork to verify my business income, and my teaching contracts at a college.I just didn’t feel either loan officer really paid any attention to my situation.Because it’s more difficult than others, they didn’t seem like they wanted to bother with me.I got so frustrated, this is what I’d sent Austin in my last communication:”It honestly just seems like a constant uphill battle with you guys. I’ve already explained to you (and the other loan officer) about my business situation.I also didn’t appreciate being passed around from one loan officer to another, and I never got a copy of my credit report which was promised to me before I agreed to doing the credit check, despite having asked multiple times.I have a large down payment, excellent credit and solid work history.If I’m not a desirable candidate for you guys, so be it. You may close my file.”I think this place is fine if you have a simple financial situation.But, if you have a business, or have contracted work/income, you shouldn’t bother.They won’t take their time in talking to you or try to understand your situation, despite how much down payment you have or how good your credit is.


In case you don’t already know (assuming you came to this page by Googling ‘Joseph Smith – Guaranteed Rate scam‘, or ‘Joseph Smith – Guaranteed Rate review‘, Joseph Smith – Guaranteed Rate is listed under the category Person on

Here is the rest of the contact information for the sole purpose of identification –

  • Address: Tremont Street Boston MA 2118
  • Phone: (617) 236-1555
  • Website:
  • Severity of Scam: Medium [not sure what it means]
  • Reported Loss: 4377 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity Joseph Smith – Guaranteed Rate was awarded 3 / 5 Stars  based on 3 Reviews.

It is difficult to ascertain whether Joseph Smith – Guaranteed Rate is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into Joseph Smith – Guaranteed Rate, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list Joseph Smith – Guaranteed Rate as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against Joseph Smith – Guaranteed Rate, please contact us immediately. If you have lost money to  Joseph Smith – Guaranteed Rate, together we can work to recover your loss.

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