Robert Baldwin at Guaranteed Rate

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/02/2023

If you’re thinking that you need to save 20% down to get your first home, think again.With Guaranteed Rate’s OneDown program, only 1% of your down payment has to come from you. Let’s talk details!*

http://rate.com/robertbaldwin

07/28/2023

If you’re thinking that you need to save 20% down to move up to a bigger home, think again. With Guaranteed Rate’s OneDown program, only 1% of your down payment has to come from you. Let’s talk!*

http://rate.com/robertbaldwin

07/26/2023

If your clients are thinking they need to save 20% down to get that first home, this is big news! With Guaranteed Rate’s OneDown program, only 1% of the down payment has to come from the client! Let’s talk details.*

http://rate.com/robertbaldwin

08/17/2020

It's amazing what Guaranteed Rate Foundation does each and every month. Just like a mortgage, there's no one size fit all solution to help these families. provides custom help based on each situation. Please spend a few minutes checking out the Foundation.

04/30/2020

Zero contact from application to closing.

04/28/2020

COVID-19 "Lump Sum Forbearance Payment" LOWDOWN...

Here's a direct link to FHFA (Fannie/Freddie Overseers) explaining what the options at the end of a Forbearance. *** Not addressed, will these options be considered a negative credit event. ***

Advice: Contact your service provider. Take the time(while you have it) now to make sure you undertand forbearance resolution options before moving forward.

This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.

04/22/2020

COVID-19 "Servicers Liquidity Concerns" Rate LOWDOWN...

Why do we care? Many factors go into the low-rate environment we have experienced for my 20 years in the business. Most of us have heard the stories about double-digit "Prime" rates.

In today's market, one of those key Pricing/Rate factors is servicing. The rapid decline in rates, large % of refinances, unknow forbearance issues, and serious liquidity issues created almost no value.

The other factors had to pick up the portion servicing typically covered to create mortgage rates. This may cause a stress fracture in another part of the formulas, but the FED has shown it wants the system flowing properly.

This is great for the future outlook of rates. Does this mean the current record low rate will go lower? I don't know, but I will my clients ready.

This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.