TV host Ty Pennington moderates a competition between two woman who are looking for a new mortgage. One of the women, Agnes, is doing it the traditional way, while the other, Sienna, is using Guaranteed Rate. The person who finishes first wins. As the race begins, Agnes gets caught up with a stack of papers and has to struggle to get a fax machine to work. Meanwhile, Sienna receives an online approval in a matter of seconds. Other Guaranteed Rate customers corroborate that the company saved them time and money on their mortgages.