◈ Homepage — https://www.rate.com/nicole?utm_source=google&utm_medium=organic&utm_campaign=yext&utm_content=14001&adtrk=%7Cseo%7Cgoogle%7Cyext%7C14001%7CFind Buy Refinance HELOC Loans Rates Resources Search Contact Log in Get pre-approved All People / CA / Los Altos / Nicole Santizo at Rate (NMLS #582907) Nicole Santizo Branch Manager/SVP of Mortgage Lending NMLS: 582907 [email protected] (650) 584-0958 (408) 499-1270 We Make The Mortgage Process Easy Simple. Fast. Stress-free. Buy a home Refinance About Nicole Santizo As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey. Read more The right advice could help you find the right mortgage for you. Let's work together. Let’s connect on social 5 minute pre-approvals from anywhere.* Lightning fast fintech HELOC Apply in 5 minutes and get your funds in as few as 5 days. No in-person appraisal required. Apply now Get a personal loan today Get the extra financial help you need. Apply in Minutes, get your funds in days. Get started We can make it happen! Down payment assistance Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership. Learn more Low down payment loans As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements. Learn more Veteran loans Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers. Learn more Bank Statement loans Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs. Jumbo loans You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets. Learn more Lock in your rate Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program. Learn more Accelerated timelines Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down. Learn more Physician loans Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down. Learn more Foreign National loans Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score. Reverse Mortgages A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care. Learn more Get approved in one day** The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down. Let’s go Helpful tools and references Mortgage calculators First time homebuyers guide We're in your pocket We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go. The Rate App allows you to: Monitor your loan status Connect with your loan team Calculators, tools, guides, and advice Track your home value Wellness tips to help you grow holistically Download our app Now available on Located at 167 S. San Antonio Rd., Suite 16 Los Altos CA, 94022 *Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply. **Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc. All People / CA / Los Altos / Nicole Santizo at Rate (NMLS #582907) Nicole Santizo Branch Manager/SVP of Mortgage Lending [email protected] (408) 499-1270 Make a payment Buy a home Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
 Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.  Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
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 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Nicole Santizo NMLS ID: 582907; AZ - LO-1035385 CA - CA-DBO582907 TN - 582907 TX - Licensed FL - LO85941 WA - MLO-582907 NV - 76725 This website uses cookies to enhance user experience and to analyze performance and traffic on our website. Cookies allow us to view and retain your interactions with our site. We also share information about your use of our site with our social media, advertising and analytics partners. By continuing, you agree to our use of cookies. Our privacy policy and terms of use explain more. Select Cookie Preferences Decline All Non-Essential Cookies Accept Cookies ◈ Interior Pages — 52 pages crawledLog In to MyAccount | Guaranteed Rate (866) 934-7283 Icon To confirm your identity, please complete multi-factor authentication. To switch factors, click the dropdown arrow next to the image below. 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Refresh Manage your mortgage Sign in to your account Pay your mortgage Contact us About us Overview Core Values Leadership Press Our Foundation Careers Loan officers Operations Tech All open positions Websites Guaranteed Rate Insurance Owning Ravenswood Title Agent Advantage Connect with us Accessibility | Licensing | Notice to Vendors | Privacy Policies | SMS Terms | Terms of Use | NMLS Consumer Access Delaware Licensed Loan Officers | Texas Consumers: How to file a complaint | Do not sell my personal information Please note that applications, legal disclosures or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however not all pages are translated. If there is a discrepency between the content of the translated page and the content of the same page in English, the English version will prevail. Copyright © 2000- Guaranteed Rate. D/B/A Rate. All rights reserved. NMLS License #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Rate App Membership Benefits: Savings, Security, And More Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Security and home savings Security and home savings​ Check out exclusive offers on essentials, home appliances, electronics and more. Membership benefits home security offer Free home security system with sign-up When you sign up for ADT home monitoring. Rate concierge Rate Concierge Internet, utilities, and more home services. We handle the set up, you enjoy the new home. membership benefits home warranty Get home warranty protection Protect what matters most. Membership benefits Home tech support URL Access 24/7 home tech support Get help when tech gets tricky. membership benefits home appliances URL Save up to $200 on home appliances Save big on popular brands. Membership benefits shop and earn URL Shop and earn rewards Shop and save on top brands for your home. Ready to mortgage mindfully? Download the Rate App today to get started. Click to download the Rate app Learn more Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Log In to MyAccount | Guaranteed Rate (866) 934-7283 Icon To confirm your identity, please complete multi-factor authentication. To switch factors, click the dropdown arrow next to the image below. Warning Having SMS issues? Call (866) 934-7283 for help. Don't have an account? Register Need help signing in? Forgot password | Unlock account Use "Unlock account" only if your account is locked after too many attempts. Cookies are required Cookies are disabled on your browser. Please enable Cookies and refresh this page. Refresh Manage your mortgage Sign in to your account Pay your mortgage Contact us About us Overview Core Values Leadership Press Our Foundation Careers Loan officers Operations Tech All open positions Websites Guaranteed Rate Insurance Owning Ravenswood Title Agent Advantage Connect with us Accessibility | Licensing | Notice to Vendors | Privacy Policies | SMS Terms | Terms of Use | NMLS Consumer Access Delaware Licensed Loan Officers | Texas Consumers: How to file a complaint | Do not sell my personal information Please note that applications, legal disclosures or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however not all pages are translated. If there is a discrepency between the content of the translated page and the content of the same page in English, the English version will prevail. Copyright © 2000- Guaranteed Rate. D/B/A Rate. All rights reserved. NMLS License #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Low Interest Rate Personal Loans - Apply Today Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Personal Loans - Apply in Minutes, get your funds in days Borrow up to $50,000 for home improvements, major purchases, consolidating debt, and more!!* Check your rate Checking your rate will not impact your credit score. Say goodbye to high-interest debt! Check your rate Rate makes it quick & easy. At reasonable rates with personalized terms. Low rates Easy fixed-rate monthly payment Fast application Apply in as few as 10 min Quick turnaround Funds in 1-2 business days Repayment options From 1-5 years Get the extra financial help you need. Use your Rate personal loan to help: Consolidate high-interest rate debt Remodel your home Cover unexpected expenses like car repairs or medical bills As easy as 1-2-3! Get the extra financial help you need. Check your rate Select your loan amount, and see your loan options without impacting your credit score. Customize your loan Choose from three repayment terms to find interest rate and monthly payment that fits your budget. Get your funds fast Upon approval, sign your loan contract and then you’ll have your funds. It is that simple. Check your rate Personal loan FAQs What is a personal loan from Rate? A personal loan is money borrowed from a lender at a fixed interest rate that is paid back by the borrower monthly over 1-5 years depending on the time frame and monthly payment option selected. Rate personal loans are unsecured, meaning they require no collateral. Will applying for a personal loan affect my credit score? Rate conducts a soft credit pull to check the rates and terms you qualify for, that will not affect your credit score. If you are offered loan options and proceed with the application, we will verify the accuracy of your application, which is considered a hard credit pull. This action will be recorded as an inquiry on your credit report and may impact your credit score. What are the benefits of obtaining a personal loan? Personal loans from Rate typically offer higher loan amounts and lower rates than a credit card, feature a fixed payment plan and require no collateral. You can use a personal loan for nearly any expense from remodeling a bathroom to debt consolidation to funding a family vacation. What are the interest rates? Rate personal loans come with a fixed interest rate, and individual rates are determined based on your credit history, application information, the term you select, and other factors. Standard fixed rates range from 9.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 9.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. An origination fee of 0%-6% is charged for each loan, which will be deducted from any loan proceeds you receive, and are subject to state requirements. How much can I borrow? Personal loans from Rate range from $4,000 to $50,000 in most states. The maximum amount you may borrow depends on your state of residency and what you qualify for based on your application information. How long will it take to get my money? With Rate personal loans, you can apply in minutes, get a decision in under 60 seconds, and receive your funds 1-2 business days after approval. Who can I contact for more information about the personal loan product? If you have any questions regarding your personal loan application or need assistance, please feel free to reach out to our dedicated personal loans team at 833-533-2306 during our operating hours, which are Monday to Friday from 9 a.m. to 6 p.m. EST. Additionally, you can email us at [email protected] . Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611). Standard fixed rates from 9.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 9.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. Terms and Conditions : You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: AK, AR, FL, KS, MA, NC, PA, RI, TX, IL, MA, NH, NM and WY (rate). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 02/21/25 and are subject to change without notice. An origination fee of 0%-6.5% is charged for each loan, which will be deducted from any loan proceeds you receive, and are subject to state requirements. Restrictions apply, please refer to http://rate.com/personal-loans for more information. Personal loans are only available in AK, AL, AR, AZ, DC, DE, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MO, MT, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WY and as of 1/14/25. Loan applications outside of these states will not be accepted at this time. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of ap Student Loan Refinance | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Student loans Refinance your student loans and save thousands Lower your monthly payments with rates starting as low as 4.15% APR*. Check your rate in 2 minutes with no impact to your credit score. Check my rate Talk to an expert No fees, ever Won't affect your credit score until you're ready to apply Shop multiple lenders to find the best rate for you Get results in 2 minutes Simple, transparent and flexible loans for you You could lower your overall cost and monthly payments Lower your monthly payment Save an average of $103 per month by refinancing at a lower interest rate**. No hidden fees Zero origination fees, application fees, or prepayment penalties. Ever. Fast & simple process Complete application takes just 2 minutes. Get approved in as little as 1 business day. Flexible terms Choose from 5, 7, 10, 15, or 20-year repayment terms that fit your financial goals. Simple steps to freedom Refinancing your student loans is simple with our streamlined process. 1. Check your rate Fill out a simple form in 2 minutes. No impact to your credit score until you're ready to apply. 2. Compare options Review personalized rates and terms across various lenders. We do the shopping for you. 3. Get approved Complete the full application and get approved in as little as 1 business day. 4. Start saving The lender you select will pay off your old loans and you'll start making lower monthly payments. Start my approval Student loans refinance FAQ We've got answers. Here's everything you need to know. Talk to an expert Will checking my student loan refinance rate affect my credit score? No. Checking your student loan refinance rate uses a soft credit check, which does not affect your credit score. A hard credit check only happens if you decide to submit a full refinance application with a lender. This allows you to safely compare multiple lenders and see potential savings before committing. What if I have both federal and private student loans? You can choose which loans you want to refinance. Many borrowers refinance: Only private loans A portion of their loans Or all eligible loans However, federal student loans should be evaluated carefully before refinancing because refinancing converts them into private loans and removes federal benefits like income-driven repayment and loan-forgiveness programs. How much can I save by refinancing student loans? Savings vary for each borrower depending on: Current interest rates Loan balance Credit score Loan term selected Most of the borrowers we help see lifetime savings from $1,000 to $35,000. To accurately estimate savings, loans should be compared on an apple-to-apple basis, considering: Interest rate Monthly payment Total interest over time Our technology automatically compares lenders this way, and you can schedule a call with a student loan expert if you'd like help reviewing your options. Are there really no refinance fees? Yes. Student loan refinance lenders do not charge application or origination fees. However, some credit unions may require opening a membership account, which typically involves depositing $5–$10. That deposit remains your money and is not a fee. How fast can I get approved for a student loan refinance? Approval timelines vary by lender. Some lenders offer same-day conditional approvals, while others take about one week. The biggest factor is how quickly you upload required documents, such as income verification and loan statements. What if my financial situation changes after refinancing my student loans? If your situation changes and you need a different payment structure, you would typically refinance again with a new loan term. That’s why it’s important to compare options carefully, including: Monthly payment Loan term Total savings If you want help evaluating these tradeoffs, you can schedule a call with one of our student loan specialists. Can I pay off my refinanced loan early? Yes. Refinancing a student loan does not have prepayment penalties, meaning you can pay extra or pay off the loan early without additional fees. This allows you to reduce interest costs if your financial situation improves. What credit score do I need to qualify? Most student loan refinance lenders require a minimum credit score around 650. However, the best interest rates are typically offered to borrowers with credit scores above 700, along with strong income and a stable employment history. How do I know you’re showing the best lenders? Our refinance comparison system is designed to remain unbiased. Our algorithms and AI do not know how much each lender pays us. The system simply evaluates and displays the best refinance offers available. Additionally, our student loan specialists are not paid commissions for closing loans, so they have no incentive to push one lender over another. Their role is simply to help you understand your options. Do you negotiate lender bonuses? We do not negotiate lender bonuses directly. However, some lenders occasionally offer refinance bonuses or promotional incentives, and you can always ask the lender if any are available. Which student loan refinance lenders do you work with? Our primary lending partners are: LendKey Splash Financial Through these partners, borrowers gain access to more than 300 credit unions and lenders, including well-known companies such as: SoFi Earnest ELFI This allows you to compare multiple refinance offers in one place. When should I refinance my student loans? Refinancing student loans can make sense when you qualify for a lower interest rate, which can reduce your monthly payment or total interest paid over the life of the loan. Borrowers often consider refinancing when they: Have improved their credit score Have stable income and employment Want to lower their monthly payment Want to pay off their loans faster However, if you have federal student loans and plan to use programs like income-driven repayment or Public Service Loan Forgiveness (PSLF), refinancing may not be the right choice because those federal benefits would be lost. That’s why it’s important to review your strategy before refinancing. How many times can I refinance student loans? You can refinance student loans multiple times. Many borrowers refinance again if: Interest rates drop Their credit score improves Their income increases They want to shorten or extend their loan term Refinancing again can potentially help you secure a better interest rate or monthly payment in the future. Can I refinance student loans if I have a cosigner? Yes. You can refinance with a cosigner, which may help you qualify for lower interest rates if your credit or income alone are not strong enough. Many lenders also offer cosigner release, which allows the cosigner to be removed from the loan after you make a certain number of on-time payments. *Fixed rates range from 4.40% APR to 9.80% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 4.15% to 9.55% APR. Rate ranges are current as of 3/25/26 and are subject to ch Rate Loan Officers in CA Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved All Loan Officers / CA 169 Loan Officer s in California Auburn ( 1 ) Bakersfield ( 1 ) Benicia ( 1 ) Brentwood ( 1 ) Chico ( 1 ) Concord ( 1 ) Corona ( 4 ) Danville ( 3 ) Diamond Bar ( 3 ) Downey ( 4 ) Encinitas ( 4 ) Hollister ( 3 ) Lafayette ( 5 ) Long Beach ( 1 ) Los Altos ( 7 ) Los Angeles ( 11 ) Mission Viejo ( 15 ) Napa ( 5 ) Orland ( 1 ) Palm Desert ( 4 ) Pasadena ( 1 ) Porterville ( 2 ) Rancho Cucamonga ( 24 ) Roseville ( 2 ) San Diego ( 12 ) San Francisco ( 12 ) San Luis Obispo ( 5 ) Santa Barbara ( 5 ) Santa Clara ( 2 ) Santa Cruz ( 3 ) Sonoma ( 2 ) Stockton ( 5 ) Temecula ( 2 ) Turlock ( 12 ) Upland ( 1 ) Vacaville ( 1 ) Woodland ( 2 ) All Loan Officers / CA Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Rate Utility Concierge | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Skip to the good part Remove the headache from your move and let us connect all of your utilities and home services, Free of charge. Get started Give us a call Terms and conditions may apply Utilities From gas, and electric to water and waste. Internet Compare all available local and national options. Smart Home Security Personalized smart home security systems for every household. Much more From Solar energy, to home warranties, Get unbiased pricing for all your needs. How it works​ Get your home move-in ready, and take the stress out of moving in 3-easy steps. Get in touch Complete the form below to be connected with one of our moving specialists. Pick you services Access unbiased service cost comparisons for your new home and select what works best for your family. Sit back and relax A expert moving specialist will call and schedule the activation/installation of all utility and services selected, saving you time and money. Talk to move specialist Get started Complete the form below and select the utilities and services you want to connect. Then simply pick the best date/time for our specialist to get a hold of you. Rate Utility Concierge FAQs 1 Is there a cost to use this service? No, Rate provides this home connection service free of charge, ensuring you can choose the best home utilities and services without any added expense. 2 What information is needed for my scheduled call? To help you set up your home utilities, we need the following information: First and last name Phone number Alternate phone number Closing date Email address In addition, utility companies and service providers may require your social security number, date of birth, and place of employment to confirm orders. 3 Do you protect my privacy? Yes, Your privacy is our priority. Information will only be given to the services and providers you select to complete the home connection process. We do not sell or trade your information without your consent. Please review our Privacy Policy for more details. 4 Are you trying to sell anything? No, Our goal is to provide you with an unbiased, pressure-free service selection. We compare available services side by side, so you can choose the best fit for your needs at no cost. We keep you informed of any special offers or discounts, providing support throughout the entire process without pushing any specific service. 5 What happens if my closing date changes? Should your closing date change, please contact your appointed moving specialist or call us at (844) 770-0919 as soon as possible. We will notify the home service providers to request the date change and ensure a smooth transition. 6 How do I know my home services have been connected? Once your have selected all of your services, you will receive a confirmation email detailing the date and time of connection. * If you decide to obtain services through your Rate Concierge representative, Rate will receive a financial benefit. Rate is not affiliated with any utility company or other service provider that may be recommended. Obtaining services through Rate Concierge is not a condition of loan approval. Rate does not assume any liability for the services obtained through Rate Concierge, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of utility or other service providers. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. What is Down Payment Assistance? Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Resources / What is Down Payment Assistance? What is Down Payment Assistance? Written by Craig Wales Published on 05/23/2025 Tags Down payment assistance Share Coming up with a down payment for a home purchase can be a challenge, especially if you're a first-time buyer or working with a tight budget. Our mortgage calculator can help you determine your mortgage budget. Down payment assistance could help you cover upfront costs, whether it’s through grants, low-interest loans or other financial aid. Ready to take the next step? Start by getting a mortgage pre-approval today, and set yourself on the path to homeownership with confidence. How c an I q ualify f or d own p ayment a ssistance ? Several factors determine whether you qualify for down payment assistance, including your income, home purchase price and whether you’re a first-time homebuyer. In addition to that, many programs have specific requirements. Income l imits Many programs are designed to help those who might not have a lot of extra cash on hand, so they set income limits. These limits usually depend on the average income in your area. If your income is below the limit, you might qualify for some help. Home purchase p rice l imits Programs often set a maximum price for the homes they’ll help with to keep things focused on affordable housing. The price limits usually reflect what’s typical in your area, so they’re not the same everywhere. First- t ime h omebuyer s tatus Down payment assistance is designed for first-time buyers , but even if you’ve owned a home before, you could qualify if you haven’t owned one in the past three years. This rule is helpful for people who are getting back into the housing market after some time away, like after selling a home or going through a major life change. How d o d own p ayment a ssistance p rograms w ork? Down payment assistance programs generally provide funds as grants, which you don’t have to repay, or as a loan with specific repayment terms. In some cases, you may get the assistance as a forgivable loan you won’t have to repay if you meet certain conditions, such as living in the home for a set number of years. What t ypes of d own p ayment a ssistance p rograms a re a vailable? There are different down payment assistance programs , and knowing which one is right for you is the first step. Grants Grants are a popular form of down payment assistance because they don’t have to be repaid. These are often provided by government programs or nonprofit organizations and can cover a significant portion of your down payment. However, they often come with strict eligibility requirements and may be limited to specific areas or income levels. Forgivable l oans Forgivable loans are similar to grants but must be repaid if certain conditions are not met, such as living in the home for a specified period. These loans typically have 0% interest, making them an attractive option for buyers who plan to stay in their home long-term. Matched s avings p rograms Matched savings programs, also known as individual development accounts (IDAs), involve the homebuyer saving money in a dedicated account that is matched by the program. For example, if you save $5,000, the program might match that so you have $10,000 to use toward your down payment. These programs often require members to meet specific criteria, such as attending financial literacy courses. Deferred p ayment l oans Deferred payment loans allow you to borrow money for your down payment without making payments on the loan until you sell the home, refinance or pay off the first mortgage. While you will eventually need to repay this loan, it can be an excellent way to reduce upfront costs when buying a home. How do I find down payment assistance programs ? Contact a loan officer to help you identify a suitable program, then review the eligibility requirements and gather necessary documents, such as proof of income. Most programs also require you to complete a homebuyer education course. How do I apply for mortgage down payment assistance ? After ensuring you meet requirements, you can apply through your lender or directly with the program’s administrators. Ready to take the next step? Start by getting a mortgage pre-approval today! Related Articles Stay on top of the latest market trends, expert advice, and wellness coaching. What is the down payment & income needed for a $600k home? Requirements & Eligibility for a FHA Mortgage How to get a loan with bad credit How Much Do You Need For a Down Payment? Rates have fallen. Move now. Whether you’re buying a home or refinancing, there’s never been a better time to lock in a lower rate. Buy a home Start a refinance Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Rate Foundation | Rate You need to enable JavaScript to run this app. Licensing | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Licensing Guaranteed Rate Disclosures and License Information Consumer Lending Licensing Information Guaranteed Rate Disclosures and License Information Guaranteed Rate is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Guaranteed Rate will never be discouraged on on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor Additional Guaranteed Rate Disclosure Requirements Guaranteed Rate is a licensed mortgage lender. Some states require specific licensing information, which is found below. Guaranteed Rate - NMLS ID 2611 Arkansas: Lic#103947 - Guaranteed Rate 3940 N Ravenswood, Chicago IL 60613 866-934-7283 Arizona: Guaranteed Rate - 14861 N. Scottsdale Road Suite 101 Scottsdale, AZ 85254, Mortgage Banker License #0907078 California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act Colorado: Regulated by the Division of Real Estate Delaware: Guaranteed Rate NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436 Georgia: Residential Mortgage Licensee #20973 - 3940 N Ravenswood Ave, Chicago, IL 60613 Illinois: STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. Illinois Department of Financial and Professional Regulation Division of Banking 555 W. Monroe St. Suite 500 Chicago, Illinois 60601 (888) 473-4858 License #: MB.0005932 Kansas: Licensed Mortgage Company - Guaranteed Rate – License MC.0001530 Massachusetts: Guaranteed Rate - Mortgage Lender & Mortgage Broker License MC2611 Mississippi: Guaranteed Rate, 3940 Ravenswood, Chicago, IL 60613 - Licensed by the Mississippi Department of Banking and Consumer Finance New Jersey: Residential Mortgage Lender – NJ Department of Banking & Insurance New Hampshire: Guaranteed Rate, licensed by the New Hampshire Banking Department – Operating as Guaranteed Rate in New York Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities Rhode Island: Rhode Island Licensed Lender and Loan Broker TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705 ; TEL: 1-877-276-5550 . INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV . THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV .. Virginia: Guaranteed Rate - Licensed by Virginia State Corporation Commission, License # MC-3769 States in which we do business, and license numbers: STATE LICENSE # Alabama 21566 Alaska AK2611 Alaska OTN #1 AK2611-1 Arizona 0907078 Arkansas 103947 California 413 0699 Colorado UCCC SUP-4000696 Colorado DRE LICENSED Connecticut ML-2611 Delaware 9436 District of Columbia MLB2611 Florida MLD1102 Georgia 20973 Hawaii HI-2611 Idaho MBL-5827 Illinois MB.0005932 Indiana 11060 Iowa 2005-0132 Kansas MC.0001530 Kentucky MC20335 Louisiana 2866 Maine SLM11302 Maryland 2611 Massachusetts MC2611 Michigan 1st Mortgage FR0024251 Michigan 2nd Mortgage SR0018847 Minnesota MN-MO-20526478 Minnesota OTN #1 MN-MO-2611.1 Mississippi 2611 Missouri 2611 Montana 2611 Nebraska 1811 Nevada Mortgage Company NMC-102836 New Hampshire 13931-MB New Jersey LICENSED New Mexico 01995 New York LMBC 106624 North Carolina L-109803 North Dakota MB101818 Ohio GLL Registration GL.501367.000 Ohio RMLA Registration RM.804160.000 Oklahoma ML002651 Oklahoma OTN ML011639 Oregon ML-3836 Pennsylvania 20371 Rhode Island Licensed Lender 20102682LL Rhode Island Licensed Broker 20102681LB South Carolina MLS - 2611 South Dakota 2611.ML Tennessee 109179 Texas SML Banker Licensed Texas OCCC 47207 Utah 7495184 Utah OTN 10626308 Vermont Lender 6100 Vermont Lender OTN #1 7148 Vermont Broker 0930 MB Vermont Broker OTN #1 1406 MB Virginia MC-3769 Washington CL-2611 West Virginia Lender ML-30469 West Virginia Broker MB-30098 Wisconsin Banker 27394BA Wisconsin Broker 2611BR Wyoming 4507 Wyoming Consumer Lender CL - 4491 Guaranteed Rate D/B/As Rate Owning Citywide Home Mortgage Certainty Home Lending On Q Home Loans Barakah Mortgage Family Wealth Creation Heroic Mortgage Locklear Lending Team Mosaic Mortgage Group The Brandon Drew Group The Mora Group States in which we do business, and license numbers: STATE LICENSE # Alabama 21566 Arizona 0907078 Arkansas 103947 California 4130699 Connecticut ML-2611 Delaware 9436 District of Columbia MLB2611 Florida MLD1102 Georgia 20973 Hawaii HI-2611 Idaho MBL-5827 Illinois MB.0005932 Iowa OTN #2 2021-0126 Indiana 11060 Kansas MC.0001530 Louisiana 2866 Maine SLM11302 Maryland 2611 Massachusetts OTN #1 MC2611 Michigan 1st Mortgage FR0024251 Michigan 2nd Mortgage SR0018847 Minnesota OTN #2 MN-MO-2611.2 Mississippi 2611 Missouri 2611 Nebraska OTN #2 Licensed New Hampshire 13931-MB New Jersey Licensed New Mexico 01995 North Carolina L-109803 North Dakota MB101818 Ohio RM.804160.000 Oklahoma OTN #2 ML013879 Oregon ML-3836 Pennsylvania 20371 South Carolina OTN #3 MLS - 2611 OTN #3 South Dakota 2611.ML Tennessee 109179 Texas SML Banker Licensed Virginia MC-3769 Washington CL-2611 West Virginia ML-30469 Wisconsin Banker 27394BA Wisconsin Broker 2611BR Wyoming 4507 Consumer Lending Licenses Guaranteed Rate, holds consumer lending licenses in the following states: STATE License Number License Type Alabama 21566 Consumer Credit License Arizona CL-1038877 Consumer Lender License California 60DBO-147922 Financing Law License Colorado SUP-4000696 Supervised Lender License Connecticut SLC-2611 Small Loan Company License Delaware 9436 Lender License District of Columbia ML2611 Money Lender License Idaho RRL-10940 Regulated Lender License Illinois CI. Rate Answers | Locations, People, Products, Rates Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Agent Advantage | Guaranteed Rate You need to enable JavaScript to run this app. Our Leadership | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Leadership Disrupting an industry takes special leadership. Led by Victor Ciardelli, our leadership team is made up of ambitious, creative thinkers who propel the disruptive nature of Rate’s unique business model, with a deep understanding that the mortgage revolution we started in 2000 requires constant nurturing, reinvention and commitment. Victor Ciardelli President & CEO He’s known as an innovative and driven entrepreneur, and an inspirational and approachable leader who loves new thinking and creative ideas. He’s a passionate father of four, a great friend to people from all walks of life, and a believer in the law of attraction, positivity and healthy living. Victor founded Rate, now the second largest retail mortgage lender in the United States, in June of 2000 with the mission of delivering more value to customers than any other bank or mortgage company. Read more Shant Banosian Profile Landing Page Shant Banosian President Nik Athanasiou Profile Landing Page Nik Athanasiou Chief Operating Officer Kasey Marty Profile Landing Page Kasey Marty Chief Revenue Officer Rola Gurrieri Profile Landing Page Rola Gurrieri Chief Fulfillment Officer Jason Stenger Profile Landing Page Jason Stenger Chief Production Officer Regina Lall Profile Landing Page Regina Lall Chief Compliance Officer Ramesh Sarukkai Profile Landing Page Ramesh Sarukkai Chief Product & Technology Officer Anwar Shatat Profile Landing Page Anwar Shatat General Counsel Paul Anastos Profile Landing Page Paul Anastos Chief Performance Officer Adam Shoger Profile Landing Page Adam Shoger Chief Analytics Officer Ted Ahern Profile Landing Page Ted Ahern Interim CFO & Chief Investment Officer Ken Kane Profile Landing Page Ken Kane Chief Accounting Officer Jeremy Collett Profile Landing Page Jeremy Collett Chief Capital Markets Officer CJ Rose Profile Landing Page CJ Rose Executive Vice President of Growth and Acquisitions Jim Hettinger Profile Landing Page Jim Hettinger Executive Vice President Camilo Escalante Profile Landing Page Camilo Escalante Executive Director, Diverse Segments Arlyn Kalinski Profile Landing Page Arlyn J. Kalinski Executive Director, Emerging Markets Scott Ubersox Profile Landing Page Scott Ubersox Executive Vice President Jenny Sepulveda Profile Landing Page Jenny Sepulveda Executive Vice President, Brand and Wellness Innovation Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Apply for a mortgage, home equity loan or refinance | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Buy, refi and equity, with confidence You could be pre-approved for a mortgage in just 5 minutes, with one of our trusted experts.* 4.9 stars 43K+ Reviews Buy a home Refinance Use my equity Buy, refi and equity, with confidence You could be pre-approved for a mortgage in just 5 minutes, with one of our trusted experts.* 4.9 stars 43K+ Reviews Buy a home Refinance Use my equity HELOC rates have dropped! Apply in 5 minutes and get your funds in as few as 5 days. Find my rate Find a loan expert 4,000+ agents nationwide Search for agents by zip, city or state Search by location ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ Check other rates Home Affordability Calculator Purchasing Power Learn how much you can afford Home valuation tool Home Valuation Know what your house is worth Mortgage Calculators Monthly Payments Plan for the right balance Check the latest mortgage rates Mortgage Rates Get your rate, make it work From finding a home to refinancing, we’ve got you covered. Find, apply & buy Search homes and secure a loan at the same time. Browse MLS listings Instantly apply for a loan Seal the deal with a Rate expert Get started Partner with an expert Manage everything Top-rated by customers. Trusted by the industry. Rate helped buyers secure $30.3B in loans in 2025 From hoping to homeowning, we make dreams come true. Rate helped buyers secure $30.3B in loans in 2025 From hoping to homeowning, we make dreams come true. “I never thought buying my first home could be this simple. Thanks to Rate.com, I got a great rate and amazing service! Vitoria and Brandon Westgate Homeowners “ Rate.com turned my dream of homeownership into reality. Fast, friendly, and stress-free—couldn't ask for more! Don Nguyen Homebuyer Best online mortgage lender for first-time homebuyers in 2025 Best Mortgage Lender Overall 2025 Best Home Equity Line of Credit Borrowers With Fair Credit 4.5/5 Avg. Rating by 900+ Members Ready to become another Rate success story? Apply in 5 minutes Where homebuying meets well-being. Rate syncs your home, financial and personal wellbeing to spark a more balanced life. Open linked background content Learn more *Rate’s 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Are you a medical professional? Get a larger home loan with less down Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Resources / Are you a medical professional? Get a larger home loan with less down Are you a medical professional? Get a larger home loan with less down Written by Nick Van Heest Published on 10/23/2017 Tags Down payment assistance Share Every year, thousands of medical professionals graduate from med school and residency programs across the country. Recent graduates are typically saddled with student loan debts and often lack the savings for a hefty down payment. However, many of them can look forward to massive potential for future earnings and their risk of defaulting tends to be lower than the average homebuyer. Does this dilemma describe your situation? We have a program with your name on it. You’ve dedicated your life to helping others and we’re dedicated to helping you achieve the dream of homeownership! Our program for eligible practitioners, residents and students* could allow you to put less money down and receive a higher loan amount. Homes can be purchased with options as little as 5% down! Even better—all loans come with lender paid mortgage insurance. This means you can wave goodbye to pesky mortgage insurance on your monthly payments. Program details include: Single-family homes, condos, PUDs and 2-unit properties 95% loan-to-value (LTV) options up to $1M 89.9% loan-to-value (LTV) options up to $1.5M Adjustable rate mortgage products only $200,000 minimum purchase price Here, we’re thankful for your commitment to serving our communities in the medical field. We’d love to return the favor by helping you finance a home! Contact us to learn more about our special program for medical professionals. *Eligible professionals include practicing doctors (includes DOs), dentists, dental surgeons and veterinarians or those within 10 years of completing their original residency or fellowship or newly licensed medical residents who are currently employed, in residency or fellowship or newly licensed medical students who are about to begin new employment/residency within 60 days of closing. Six months of reserves required, borrower must have enough liquid money in the bank to pay for six months of mortgage payments after closing. Dependent on minimum FICO Score requirements, DTI limit is 40% for loans between $200K - $1M and 43% for loans between $1M - $1.5M. Related Articles Stay on top of the latest market trends, expert advice, and wellness coaching. What is the down payment & income needed for a $600k home? Requirements & Eligibility for a FHA Mortgage How to get a loan with bad credit How Much Do You Need For a Down Payment? Rates have fallen. Move now. Whether you’re buying a home or refinancing, there’s never been a better time to lock in a lower rate. Buy a home Start a refinance Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Mortgage Payment Calculator​ | Calculate my mortgage payment Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Calculators / Mortgage Calculator Calculate how much of a mortgage you can afford Use our home mortgage calculator to figure out what your future mortgage payments could be. You can also get a better sense of the total costs of buying a home. Calculate my payment Get pre-approved Use the Rate mortgage calculator to find your payment Enter your details into the calculator to see how much a loan on your dream home could cost every month. Home price Down Payment % Down Payment $ 30 Year Loan term Interest rate Military Veteran Start my approval Disclaimer *This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.   Your actual rate, payment and costs could be higher. Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate. Rate its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Your monthly payment would be $ 0.00 doughnut chart Breakdown Principal and interest PMI Property taxes Insurance HOA fees $ 0.00 $ 0.00 Disclaimer *This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.   Your actual rate, payment and costs could be higher. Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate. Rate its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. How do I use the mortgage calculator? The calculator will instantly display a sample monthly payment based on the data you provided. Keep in mind that your actual monthly payment will vary based on several factors, including credit score, current mortgage interest rate and your debt-to-income ratio. 1. Enter home purchase price. 2. Enter a down payment amount either as a total or as a percentage of the price. 3. Enter your anticipated mortgage interest rate. 4. Choose a term, such as 30, 20 or 15 years. How can I lower my mortgage payment? Tip #1 – Speak with a mortgage expert Down payment, discount points, loan term, interest rate, personal assets, credit score, income? All of these factors, and more, play into your ultimate mortgage rate. A licensed mortgage specialist can help you find the lowest monthly payment and loan terms to fit your lifestyle and budget. If you have initial questions or want to know how to start, you can schedule time with one of our loan experts for a consultation. Talk to a specialist Tip #2 – Lock in my mortgage rate You can lock in your mortgage rate for up to 90 days between the time you apply for a mortgage and when you close. Locking in your mortgage rate allows you to shop with confidene since you know the exact rate your loan will have. Tip #3 - Improve my credit score Your credit score is important for getting mortgage pre-approval. So, it’s essential to know how your credit score is calculated. The two main factors that affect your credit score are payment history and how much you owe. Make sure to pay on time and reduce your debts. It’s also important not to take on other large credit debts such as new car purchases during the mortgage application process.* Credit score checkup Get a free copy of your credit report Review for any unusual activity Report unusual activity to credit bureaus Tip #4 – Know the mortgage loan types available Get to know the different types of home loans we offer. Click each loan type to learn more about their benefits terms and requirements. We also have other mortgage types available such as Jumbo Loans , Non-Agency Loans, and other types of adjustable rate mortgage (ARM) options available. Learn more Conventional loan The most common type of mortgage. Not backed by the government, and comes with higher credit score requirements. T Careers | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate jobs We’re glad you’re interested in working at Rate. 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Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Mortgage Careers | Rate You need to enable JavaScript to run this app. First-Time Homebuyers Guide for 2024 | Rate.com You need to enable JavaScript to run this app. Vendor Notice | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Notice to Vendors - Contract Authority Notice to vendors wishing to do business with Guaranteed Rate Only certain corporate officers of Guaranteed Rate have the authority to enter into contracts on behalf of the company. Employees of Guaranteed Rate who do not hold corporate office, including branch managers and Vice Presidents of Mortgage Lending, do not have any authority to contract on behalf of the company. Guaranteed Rate reserves the right to rescind any contracts entered into by an employee lacking authority and any vendor or service provider who enters into a contract with any such employee does so at their own risk. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. About Us | Rate You need to enable JavaScript to run this app. Mortgage Careers Operations | Rate You need to enable JavaScript to run this app. Rate Auto Loans: Get Prequalified Instantly Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Auto loans Rate Auto Loans Steer clear of car shopping hassles with a Rate Auto Loan. We streamline the process so you can search for a car, get pre-qualified instantly and drive off with a deal you can afford on a car you’ll love – all in one place. With a Rate Auto Loan, you’re always in the driver’s seat. Start shopping How it works: 1. Find your car Search for cars by year, make, model and price. 2. Find your financing Get pre-qualified, then choose your down payment and loan terms. 3. Finalize your purchase Submit an online offer or take your pre-qualification voucher to the dealer. 4. Drive away happy Test drive your car and bring it home. Unlock your buying power ‌ ‌ ‌ ‌ Get pre-qualified We put you in the driver's seat Discover financing options in less than 60 seconds. Get pre-qualified without affecting your credit 1 . Lightning fast decisions No impact on your credit score 1 No SSN required Shop by body style SEDANS COUPES WAGONS COVERTIBLES TRUCKS SUVS MINIVANS HATCKBACKS VANS CARGOS Pre-qualify for Auto financing Shop with real rates at your fingertips Start shopping 1 When a loan is selected a hard credit pull will be completed and your credit will be affected. Auto loans are originated and serviced by Westlake Services, LLC d/b/a Westlake Financial Services ("Westlake Financial"), not by Rate. Rate is not affiliated with Westlake Financial and does not originate, underwrite, fund, or service auto loans. Rate receives a financial benefit from Westlake Financial for each completed auto loan. You are under no obligation to use Westlake Financial for your auto financing needs or as a condition of mortgage loan approval. All auto loan applications, approvals, denials, terms, rates, and servicing are determined solely by Westlake Financial. Questions about your auto loan application or account should be directed to Westlake Financial. Auto loans are separate from and unrelated to any mortgage products or services offered by Rate. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Mortgage Loan Servicing | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Access your loan servicing account information Let’s identify your account so we can ensure we provide you the best information. Last name Loan number Access account If you are experiencing a hardship due to: loss of employment, income reduction, illness or other related impacts, help may be available. Learn more Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Mortgages, Loans, Home Buying, Refinance Mortgage Company | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Home search Customize your search to find the perfect home Members can now search MLS listings, save favorite homes, and seamlessly apply for a mortgage, all in one place. Discover homes that truly feel like home Apply custom filters based on location, property type, price and much more. Master the market with real-time alerts Get updates on your saved homes and searches, including price drops, status changes and new properties on the market. Search for a home Rate App Take your home search on the go Find and save your favorite homes anytime, anywhere, with access to MLS listings at your fingertips. Find it. Finance it. Done With Rate, you can find your future home, get pre-approved within minutes, and close on your loan without switching platforms. Get pre-approved FAQs What is the Home Search feature, and how does it work? The Home Search feature lets you browse MLS real estate listings through ComeHome, a trusted search engine owned by HouseCanary. You can search for properties by location, price, number of bedrooms, and other key criteria. How do I browse real estate listings on rate.com? Go to www.rate.com/home-search , where you'll find a search tool to look up properties. Do I need to be logged in to access home search? No, you can view listings without logging in. However, to save properties, you’ll need to log in or create an account on rate.com . How do I filter my search results? You can filter results by price range, location, number of bedrooms/bathrooms, square footage, property type (e.g., single family, condo), and additional features (e.g., garage, pool). These filters help narrow listings to meet your preferences and find the home that’s perfect for you. Can I save my favorite homes and receive updates on them? Absolutely! You can save homes and searches for easy access later. We’ll notify you by email if there are updates to a home you’re interested in, such as price changes or availability. I found a home I like. How do I get pre-approved? Click “Get pre-approved” on the property’s details page. This will take you to our digital mortgage application, where you can complete the pre-approval process. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Find the Perfect Loan | Online Application Skip to main content Digital Mortgage requires JavaScript to run. Please enable it. My Loan Application You have questions? We'll have the answers. Terms of Use | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Terms of Use Welcome to guaranteedrate.com. Guaranteed Rate Inc. (“GRI”) provides the use of this website subject to the following terms and conditions, known as “Terms of Use.” Clicking onto webpages beyond the site’s homepage indicates your acceptance and agreement of these Terms of Use. Please read them careful. Privacy Please review our Privacy Policy , which also governs your use/visit to this website. 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All other trademarks not owned by GRI or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by GRI or its subsidiaries. License and site access GRI grants you a limited license to access and make personal use of this site and not to download (other than page caching) or to modify any portion of it, except with express written consent of GRI. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent of GRI. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of GRI or our subsidiaries without express written consent. You may not use any meta tags or any other "hidden text" utilizing GRI’s name or trademarks without the express written consent of GRI. Any unauthorized use shall automatically terminate any permission or license granted herein by GRI. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of GRI so long as the link does not portray GRI, its subsidiaries or affiliates or their products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use any GRI logo or other proprietary graphic or trademark as part of the link without express written permission. 100% Satisfaction Guarantee Guaranteed Rate’s Satisfaction Guarantee (the “Guarantee”) offers you assurances that you will be satisfied with your loan origination experience through Guaranteed Rate (“GRI”), or receive a $150 refund in the form of a check after closing subject to the following eligibility requirements. Eligibility: To be eligible for the Guarantee you must: (1) Complete a mortgage application with GRI between January 1, 2023 and April 30, 2023 for a residential first-lien mortgage that will secure an interest in a primary residence or secondary home; (2) Provide a signed Intent to Proceed and accompanying initial loan disclosures; (3) Pay the required application fee and the cost of any required appraisals; (4) For purchases, within three (3) business days of submitting your mortgage application, provide a fully executed purchase contract that includes all pages, addendums, and required signatures. The purchase contract must identify a closing date that is at least 30 calendar days from the date GRI receives your mortgage application, signed Intent to proceed and accompanying initial loan disclosures, as well as payment of the application and appraisal fees; (5) Close and fund your loan; (6) Provide written notice of dissatisfaction within 30 days of the closing date. Ineligibility: The Guarantee is a limited guarantee program and does not apply to any funded loans that contain fraudulent or misleading information or representations. This Guarantee is not eligible in Iowa or West Virginia. If you are not satisfied with your mortgage loan origination experience and remained eligible for the Guarantee, GRI will mail a $150 refund check to you within 90 days of GRI’s receipt of your refund request. To request your refund, written notice must be provided to GRI at [email protected] within 30 calendar days from the closing date of your loan. Guarantee recipients will be responsible for all taxes and fees associated with receipt of your refund, which may be considered miscellaneous income received from GRI. GRI may send to you, and file with the IRS, a Form 1099-MISC for the year in which you receive this Guarantee payment. Please consult with your tax advisor with respect to any payments received from this Guarantee. GRI reserves the right to modify or discontinue any of its products, promotions, guarantees, and benefits at any time without notice. Your loan approval is not guaranteed. GRI cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. Applicant’s interest rate will depend upon the specific characteristics of applicant’s loan transaction, credit profile, and other criteria. Contact GRI or visit https://www.rate.com/terms#100sat for more information. This is not a commitment to lend. Release. In exchange for participating in GRI’s Guarantee, you hereby release and forever discharge Guaranteed Rate and its past and present employees, officers, directors, agents, representatives, affiliates, subsidiaries, vendors, associated third parties, predecessors, successors, and assigns (collectively, the “Company Parties”) from any and all claims, demands, and causes of action of every kind and nature, whether known or unknown, direct or indirect, arising out of any alleged act, error, or omission by Company Parties during the loan origination process, from the beginning of your loan application through the closing. Marketing Disclaimer Guaranteed Rate's Satisfaction Guarantee (The "Guarantee") provides a $150 refund to unsatisfied eligible borrowers in the form of a check after closing for those that complete an application between 01/01/23 and 04/30/23. The Guarantee is available for residential, first-lien mortgages on primary or secondary residences. The Guarantee is not available for all residence Lock n Roll | Lock in Mortgage Rates for 90 Days | Rate.com You need to enable JavaScript to run this app. Accessibility | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Accessibility Guaranteed Rate is committed to facilitating the accessibility of its website for all people with disabilities and will be implementing over time the relevant portions of the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0 Level AA (WCAG 2.0 AA) as its web accessibility standard, which also will bring the Company into conformance with Section 508 Web Accessibility Standards developed by the United States Access Board (Section 508). While Guaranteed Rate strives to adhere to the accepted guidelines and standards for accessibility and usability, it is not always possible to do so in all areas of the website, particularly as it relates to content by third parties. Guaranteed Rate is not responsible for ensuring that third-party content, software, widgets, plug-ins or tools, which are not owned by the Company but are otherwise located on or linked to its websites, conform to WCAG 2.0 Level AA, and shall not be liable if they are inaccessible to individuals with disabilities. As efforts are ongoing, you may direct questions or concerns to 866-934-7283 (Option 4) or [email protected] . Guaranteed Rate will make all reasonable efforts to make particular web pages accessible or otherwise accommodate customers and job applicants. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Same Day Mortgage | Get approved in 1 day | Rate.com Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Same Day Mortgage: Get approved in one day Same Day Mortgage* removes the uncertainty from buying a home. Get your loan approved in one day with options as little as 3% down. Get started Loan approval in 24 hours First-time homebuyers are at a real disadvantage in today’s housing market, especially when competing with all-cash buyers who account for 32% of home purchases.** Same Day Mortgage levels the playing field, giving everyone the big advantage cash buyers enjoy—speed. How to apply for a Same Day Mortgage Applying for a Same Day Mortgage is a simple three step process. 1. Access and sign Access your account from our secure portal and electronically sign the initial application package. 2. Get approved We validate income, assets and credit, and offer homebuyers an approval in one day. 3. Close in as few as 10 days Once approved, you could close on the home of your dreams in as little as 10 days.*** Start my approval Mortgage resources We want to help you find a new home in your area and figure out how much you can afford. Home search Home search Look for that perfect home. Home Affordability calculator Home affordability Get a sense for what’s possible. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. *Rate’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate .com/same-day-mortgage for terms and conditions. **Source: https://www.realtor.com/research/all-cash-sale-trends-h1-2025 ***Eligible borrowers must qualify for a "Clear to Close Loan Commitment" ("CTC”). Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification. Co-borrowers not eligible. Not all borrowers will be approved. Restrictions apply. Guaranteed Rate (“Lender”) is offering qualified customers who complete an application for a Mortgage Loan and successfully provide the Required Documents (as defined below) within 24 hours of locking a rate (the “Required Tasks Completion Period”) for their mortgage loan (the “Mortgage Loan”), the eligibility to receive a loan approval on their Mortgage Loan within 1 business day (the “Offer”). For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. The Offer. a. To be eligible for the Offer, qualified customers are required to upload all documents requested by Lender to Lender’s online portal (known as “MyAccount”) within the Required Tasks Completion Period. These documents include, but are not limited, to the following: i. Pay stubs; ii. W2s; iii. bank statements (including any applicable investment and retirement statements); iv. A copy of a complete purchase agreement for the subject property of their Mortgage Loan; and v. If applicable, proof of disability awards, social security income, retirement earnings, or pension income statements (collectively, the “Required Documents”). The Required Documents may differ based on a qualified customer’s financial condition and all applicable Mortgage Loan requirements (including applicable credit and underwriting guidelines). Customers must provide all Required Documents within the Required Tasks Completion Period to be eligible for the Offer. In cases of multiple applicants for the same Mortgage Loan, all applicants must submit the Required Documents within the Required Tasks Completion Period to be eligible for the Offer. The Offer is non-transferable. b. In addition, to be eligible for the Offer, qualified customers must: i. Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing or refinancing a primary residence located in a state where Lender is licensed to originate mortgage loans; ii. Be a W-2 employee or an individual on fixed income (e.g., pension, social security, or disability income); iii. Not be a fee simple owner or be in the process of becoming a fee simple owner of any additional real property (i.e., must not have, or be in the process of obtaining, all of the rights of ownership, including the right to possess, sell, lease, and enjoy the land) in any state, other than the contemplated subject property associated with their Mortgage Loan; provided, however, a fee simple owner of solely a primary residence in which the owner is currently in the process of selling such primary residence shall be eligible for the Offer; iv. Meet the requirements to lock a rate; vi. Provide proof of any required down payment funds. c. The Offer is limited to conventional, conforming, or new construction mortgage loans to be used for the purchase or refinance of a primary residence for single family and planned unit development (PUD) properties. d. This offer is not available in the states of KY, WV, NY Co-Op/CEMA, and on refinances in TX. e. Lender does not guarantee that by qualifying to become eligible for the Offer that a customer will receive a loan approval. Upon qualifying for the Offer, Lender will use commercially reasonable efforts consistent with mortgage industry practices to provide a customer with a loan approval within 1 business day of customer providing the Required Documents within the Required Tasks Completion Period. In addition, Lender d News Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / News Welcome to the Rate Press Room Here you will access the most recent news. For additional information about one of the nation’s largest retail mortgage lenders, click on the links below: Marty Preston, former Benchmark President of Retail, Moves Business to Rate After Comprehensive Market Review RATE25: Victor Ciardelli and Rate Companies, the #2 retail lender in the country, celebrate 25 years of empowering homeownership with the Launch of Rate25 Victor Ciardelli Appoints Shant Banosian as President of Rate Mortgage while Continuing as CEO and President of All Rate Companies Fortune Names Rate a ‘Best Mortgage Lender’ of 2025 More resources Our story Rate Foundation Company leadership Our core values Rate media coverage Media inquiries Browse all press and news Rate CEO Victor Ciardelli Announces Appointment of Top Reverse Mortgage Executives Jesse Q. Allen as President and Greg Pahel as EVP Consumer Direct Reverse Lending Victor Ciardelli, CEO & President of Rate Companies Launches "Pitch in to Fight ALS" Fundraiser with Goal of Raising $1,000,000 for ALS Nonprofits Rate Launches "Rate Intelligence" to Transform the Mortgage Experience Victor Ciardelli, CEO of Rate, Celebrates Surpassing 10,000 Digital Mortgage Applications in Spanish, Underscoring Commitment to Serving the Largest First-Time Homebuying Demographic Rate CEO Victor Ciardelli Announces Appointment of Top Mortgage Executive and Coach Daniel Manginelli to Lead In-House Sales Coaching Platform Rate Insurance Makes Rebranding Initiative Official, Aligns with Rate Corporate Transformation Guaranteed Rate Announces Rebrand to "Rate" to Streamline Customer Experience and Cement Fintech Leadership Guaranteed Rate Leads the Market with New Prime Jumbo RMBS Deal Guaranteed Rate Insurance Earns 2023 Progressive Platinum, Winning Award for Fourth Consecutive Year Guaranteed Rate's "Break the Bank" Campaign Aims to Raise $500,000 for Military Nonprofits Guaranteed Rate's Jennifer Beeston Breaks High Ground as First Woman to Rank #1 in VA Loan Originators in the Scotsman Guide Guaranteed Rate Hosts RateUniversity in Show of Local Support for Underserved Communities in Greater Chicago 1 2 3 4 ••• 77 Rates have fallen. Move now. Whether you’re buying a home or refinancing, there’s never been a better time to lock in a lower rate. Buy a home Start a refinance Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Texas Consumers Complaint | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Texas consumers: How to file a complaint Figure: 7 TAC §81.200(c) “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV .” Source: https://texreg.sos.state.tx.us/fids/201203137-2.pdf Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Technology Jobs | Tech Culture at GR | Rate You need to enable JavaScript to run this app. Online and Mobile Privacy Notice | Rate You need to enable JavaScript to run this app. Log In to MyAccount | Guaranteed Rate (866) 934-7283 Icon To confirm your identity, please complete multi-factor authentication. To switch factors, click the dropdown arrow next to the image below. Warning Having SMS issues? Call (866) 934-7283 for help. Don't have an account? Register Need help signing in? Forgot password | Unlock account Use "Unlock account" only if your account is locked after too many attempts. Cookies are required Cookies are disabled on your browser. Please enable Cookies and refresh this page. Refresh Manage your mortgage Sign in to your account Pay your mortgage Contact us About us Overview Core Values Leadership Press Our Foundation Careers Loan officers Operations Tech All open positions Websites Guaranteed Rate Insurance Owning Ravenswood Title Agent Advantage Connect with us Accessibility | Licensing | Notice to Vendors | Privacy Policies | SMS Terms | Terms of Use | NMLS Consumer Access Delaware Licensed Loan Officers | Texas Consumers: How to file a complaint | Do not sell my personal information Please note that applications, legal disclosures or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however not all pages are translated. If there is a discrepency between the content of the translated page and the content of the same page in English, the English version will prevail. Copyright © 2000- Guaranteed Rate. D/B/A Rate. All rights reserved. NMLS License #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Same Day Mortgage | Get approved in 1 day | Rate.com Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Same Day Mortgage: Get approved in one day Same Day Mortgage* removes the uncertainty from buying a home. Get your loan approved in one day with options as little as 3% down. Get started Loan approval in 24 hours First-time homebuyers are at a real disadvantage in today’s housing market, especially when competing with all-cash buyers who account for 32% of home purchases.** Same Day Mortgage levels the playing field, giving everyone the big advantage cash buyers enjoy—speed. How to apply for a Same Day Mortgage Applying for a Same Day Mortgage is a simple three step process. 1. Access and sign Access your account from our secure portal and electronically sign the initial application package. 2. Get approved We validate income, assets and credit, and offer homebuyers an approval in one day. 3. Close in as few as 10 days Once approved, you could close on the home of your dreams in as little as 10 days.*** Start my approval Mortgage resources We want to help you find a new home in your area and figure out how much you can afford. Home search Home search Look for that perfect home. Home Affordability calculator Home affordability Get a sense for what’s possible. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. *Rate’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate .com/same-day-mortgage for terms and conditions. **Source: https://www.realtor.com/research/all-cash-sale-trends-h1-2025 ***Eligible borrowers must qualify for a "Clear to Close Loan Commitment" ("CTC”). Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification. Co-borrowers not eligible. Not all borrowers will be approved. Restrictions apply. Guaranteed Rate (“Lender”) is offering qualified customers who complete an application for a Mortgage Loan and successfully provide the Required Documents (as defined below) within 24 hours of locking a rate (the “Required Tasks Completion Period”) for their mortgage loan (the “Mortgage Loan”), the eligibility to receive a loan approval on their Mortgage Loan within 1 business day (the “Offer”). For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. The Offer. a. To be eligible for the Offer, qualified customers are required to upload all documents requested by Lender to Lender’s online portal (known as “MyAccount”) within the Required Tasks Completion Period. These documents include, but are not limited, to the following: i. Pay stubs; ii. W2s; iii. bank statements (including any applicable investment and retirement statements); iv. A copy of a complete purchase agreement for the subject property of their Mortgage Loan; and v. If applicable, proof of disability awards, social security income, retirement earnings, or pension income statements (collectively, the “Required Documents”). The Required Documents may differ based on a qualified customer’s financial condition and all applicable Mortgage Loan requirements (including applicable credit and underwriting guidelines). Customers must provide all Required Documents within the Required Tasks Completion Period to be eligible for the Offer. In cases of multiple applicants for the same Mortgage Loan, all applicants must submit the Required Documents within the Required Tasks Completion Period to be eligible for the Offer. The Offer is non-transferable. b. In addition, to be eligible for the Offer, qualified customers must: i. Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing or refinancing a primary residence located in a state where Lender is licensed to originate mortgage loans; ii. Be a W-2 employee or an individual on fixed income (e.g., pension, social security, or disability income); iii. Not be a fee simple owner or be in the process of becoming a fee simple owner of any additional real property (i.e., must not have, or be in the process of obtaining, all of the rights of ownership, including the right to possess, sell, lease, and enjoy the land) in any state, other than the contemplated subject property associated with their Mortgage Loan; provided, however, a fee simple owner of solely a primary residence in which the owner is currently in the process of selling such primary residence shall be eligible for the Offer; iv. Meet the requirements to lock a rate; vi. Provide proof of any required down payment funds. c. The Offer is limited to conventional, conforming, or new construction mortgage loans to be used for the purchase or refinance of a primary residence for single family and planned unit development (PUD) properties. d. This offer is not available in the states of KY, WV, NY Co-Op/CEMA, and on refinances in TX. e. Lender does not guarantee that by qualifying to become eligible for the Offer that a customer will receive a loan approval. Upon qualifying for the Offer, Lender will use commercially reasonable efforts consistent with mortgage industry practices to provide a customer with a loan approval within 1 business day of customer providing the Required Documents within the Required Tasks Completion Period. In addition, Lender d Apply for a mortgage, home equity loan or refinance | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Buy, refi and equity, with confidence You could be pre-approved for a mortgage in just 5 minutes, with one of our trusted experts.* 4.9 stars 43K+ Reviews Buy a home Refinance Use my equity Buy, refi and equity, with confidence You could be pre-approved for a mortgage in just 5 minutes, with one of our trusted experts.* 4.9 stars 43K+ Reviews Buy a home Refinance Use my equity HELOC rates have dropped! Apply in 5 minutes and get your funds in as few as 5 days. Find my rate Find a loan expert 4,000+ agents nationwide Search for agents by zip, city or state Search by location ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ Check other rates Home Affordability Calculator Purchasing Power Learn how much you can afford Home valuation tool Home Valuation Know what your house is worth Mortgage Calculators Monthly Payments Plan for the right balance Check the latest mortgage rates Mortgage Rates Get your rate, make it work From finding a home to refinancing, we’ve got you covered. Find, apply & buy Search homes and secure a loan at the same time. Browse MLS listings Instantly apply for a loan Seal the deal with a Rate expert Get started Partner with an expert Manage everything Top-rated by customers. Trusted by the industry. Rate helped buyers secure $30.3B in loans in 2025 From hoping to homeowning, we make dreams come true. Rate helped buyers secure $30.3B in loans in 2025 From hoping to homeowning, we make dreams come true. “I never thought buying my first home could be this simple. Thanks to Rate.com, I got a great rate and amazing service! Vitoria and Brandon Westgate Homeowners “ Rate.com turned my dream of homeownership into reality. Fast, friendly, and stress-free—couldn't ask for more! Don Nguyen Homebuyer Best online mortgage lender for first-time homebuyers in 2025 Best Mortgage Lender Overall 2025 Best Home Equity Line of Credit Borrowers With Fair Credit 4.5/5 Avg. Rating by 900+ Members Ready to become another Rate success story? Apply in 5 minutes Where homebuying meets well-being. Rate syncs your home, financial and personal wellbeing to spark a more balanced life. Open linked background content Learn more *Rate’s 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Contact Us | Rate You need to enable JavaScript to run this app. Jumbo Mortgage Rates | Find today’s Jumbo home loan rates Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Jumbo Current jumbo mortgage rates A jumbo mortgage is designed to help you purchase a larger home or more expensive home. Do you have mortgage questions? Connect with an expert to get answers to questions. Connect with an expert ‌ ‌ Personalize your rate Craft a rate to fit your needs. You might even qualify for a lower rate based on details you provide. Get started How to apply for a jumbo mortgage Applying for a jumbo loan is simple with our Digital Mortgage. Follow these steps. 1. Review your finances Check your credit score, income, debt-to-income (DTI) ratio and cash on hand for a down payment. 2. Gather key documents You’ll need to provide income verification, tax returns, asset statements and personal identification. 3. Apply online Once you submit your application, your Loan Officer will help you from there. Start my approval Jumbo mortgage interest rates guide & FAQs Reach out to Rate loan experts who can answer even more questions and help you achieve your homeownership goals. Find my loan officer What is a jumbo mortgage? Homebuyers use jumbo loans for high value properties. They also use them when they need more borrowing power than a conventional mortgage allows. They help make high-value properties more accessible by allowing you to borrow beyond the usual conforming loan limit set by the Federal Housing Finance Agency (FHFA). Jumbo loans have limits as well. How does a jumbo loan work? While requirements vary, down payment options vary from 10% to 20% for a jumbo loan to help you buy a higher-priced property. Higher credit scores and cash reserves can help you get lower down payment requirements. This is because they make you eligible for better loan terms. What are the requirements for a jumbo home loan? Jumbo loans generally require higher credit scores and substantial income to qualify. Lenders like borrowers who have a debt-to-income (DTI) ratio of about 43%. This helps them manage monthly payments and closing costs for larger loans. Why are jumbo mortgage interest rates different from conventional rates? Interest rates on jumbo loans are usually a bit higher than on conventional loans. This is partly because of the larger loan size and the added risk lenders face. “The Guaranteed Rate Team was very easy to work with! Information was clear and all available through my portal for review at all times. Additionally the team was very responsive to any and all questions we had along the way.” David Hubbard Mortgage resources We want to help you find a new home in your area and figure out how much you can afford. Home search Home search Look for that perfect home. Home Affordability calculator Home affordability Get a sense for what’s possible. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate. 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Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Mortgages, Loans, Home Buying, Refinance Mortgage Company | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Home search Customize your search to find the perfect home Members can now search MLS listings, save favorite homes, and seamlessly apply for a mortgage, all in one place. Discover homes that truly feel like home Apply custom filters based on location, property type, price and much more. Master the market with real-time alerts Get updates on your saved homes and searches, including price drops, status changes and new properties on the market. Search for a home Rate App Take your home search on the go Find and save your favorite homes anytime, anywhere, with access to MLS listings at your fingertips. Find it. Finance it. Done With Rate, you can find your future home, get pre-approved within minutes, and close on your loan without switching platforms. Get pre-approved FAQs What is the Home Search feature, and how does it work? The Home Search feature lets you browse MLS real estate listings through ComeHome, a trusted search engine owned by HouseCanary. You can search for properties by location, price, number of bedrooms, and other key criteria. How do I browse real estate listings on rate.com? Go to www.rate.com/home-search , where you'll find a search tool to look up properties. Do I need to be logged in to access home search? No, you can view listings without logging in. However, to save properties, you’ll need to log in or create an account on rate.com . How do I filter my search results? You can filter results by price range, location, number of bedrooms/bathrooms, square footage, property type (e.g., single family, condo), and additional features (e.g., garage, pool). These filters help narrow listings to meet your preferences and find the home that’s perfect for you. Can I save my favorite homes and receive updates on them? Absolutely! You can save homes and searches for easy access later. We’ll notify you by email if there are updates to a home you’re interested in, such as price changes or availability. I found a home I like. How do I get pre-approved? Click “Get pre-approved” on the property’s details page. This will take you to our digital mortgage application, where you can complete the pre-approval process. Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Get a home, auto, life, or business insurance quote | Rate.com Powered by rate.com Skip to content Our searching gets you savings®* Home Homeowners Insurance Condo Insurance Renters Insurance Vacation Home Insurance Auto Business Life Specialty Boat Insurance Motorcycle Insurance Motorhome/RV Insurance Umbrella Insurance Flood Insurance Earthquake Insurance Rental Property Insurance Personal Article Insurance Pet Insurance Jewelry Insurance Company Sign In About Us Partnerships Charity Referral Program Newsroom Blog Careers Contact Us Find an Agent Talk to an Expert Agent today. (866) 947-5397 Get Your Free Quote Select your language preference Our searching gets you savings ®* Don't believe us? Give us a try. Home Auto Pet Life We'll search for your best rate from 100+ top carriers. 4.9 stars rating from 5k+ Google verified reviews We’ve helped thousands find the perfect insurance and we’d like to help you too. Working with Rate Insurance was easy! “Working with Rate Insurance was easy! We were able to get competitive quotes right away. They were sent over to the mortgage company and made it easy to close.” Christine S Rate Insurance continues to exceed our expectations by far… The team at Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way. Henry P I will continue to do business with these people, now and in the future… Everyone I dealt with knew my name, knew my coverage and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future. Christopher J Press & Awards Newsroom News Rate Insurance Named Top 50 Personal Lines Agency by Insurance Journal CHICAGO, Dec. 4, 2025 /PRNewswire/ — Rate Insurance, LLC, a subsidiary of Rate and one of the fastest-growing national personal lines and small commercial insurance brokers, has been named to Insurance Journal‘s prestigious list of Top 50 Personal Lines Agencies. The company ranks #40 on the 2025 list, which is based on total 2024 personal lines P/C revenue. Read more about Rate Insurance Named Top 50 Personal Lines Agency by Insurance Journal News Rate Insurance Named a Finalist for PropertyCasualty360’s 2025 Agency of the Year Award Chicago, IL – November 5, 2025 – Rate Insurance, one of the nation’s fastest-growing independent insurance brokerages, has been recognized by PropertyCasualty360 as one of 14 finalists for their 2025 Agency of the Year Award.  The annual PropertyCasualty360 Agency of the Year program honors independent insurance agencies across the United States that exemplify excellence in Read more about Rate Insurance Named a Finalist for PropertyCasualty360’s 2025 Agency of the Year Award News Rate Insurance Recognized by Top Workplaces for Excellence in Culture and Employee Experience Chicago, IL – October 22nd, 2025 – Rate Insurance, one of the nation’s fastest-growing independent insurance brokerages, has been recognized by Top Workplaces with three distinguished honors for 2025 in the 150-499 employee category:  These recognitions reflect Rate Insurance’s commitment to cultivating a workplace culture that prioritizes employee wellness, inclusive practices, and career growth opportunities. Read more about Rate Insurance Recognized by Top Workplaces for Excellence in Culture and Employee Experience See All News » Speak with a licensed agent right now! Our team of Expert Agents is ready to help you find the best rate for your insurance, whether it’s for your new home, existing home, auto, boat, or motorcycle. Let’s save! Call (866) 947-5397 Close Let's get to know each other a bit more so we can customize quotes just for you. 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Submit Select the language you prefer: Selecciona el idioma que prefieres: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy betwe All Rate Loan Officers Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved All Loan Officers All Loan Officers Alabama ( 6 ) Alaska ( 3 ) Arizona ( 32 ) Arkansas ( 2 ) California ( 169 ) Colorado ( 49 ) Connecticut ( 15 ) Delaware ( 3 ) Florida ( 117 ) Georgia ( 9 ) Hawaii ( 17 ) Idaho ( 22 ) Illinois ( 357 ) Indiana ( 26 ) Iowa ( 13 ) Kansas ( 1 ) Kentucky ( 1 ) Louisiana ( 5 ) Maine ( 5 ) Maryland ( 22 ) Massachusetts ( 61 ) Michigan ( 30 ) Minnesota ( 31 ) Mississippi ( 2 ) Missouri ( 3 ) Montana ( 11 ) Nebraska ( 8 ) Nevada ( 25 ) New Hampshire ( 7 ) New Jersey ( 123 ) New Mexico ( 7 ) New York ( 27 ) North Carolina ( 54 ) North Dakota ( 3 ) Ohio ( 36 ) Oklahoma ( 2 ) Oregon ( 27 ) Pennsylvania ( 45 ) Rhode Island ( 18 ) South Carolina ( 18 ) South Dakota ( 3 ) Tennessee ( 35 ) Texas ( 97 ) Utah ( 13 ) Virginia ( 41 ) Washington ( 40 ) West Virginia ( 6 ) Wisconsin ( 16 ) Wyoming ( 2 ) All Loan Officers Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Nicole Santizo - Branch Manager/SVP of Mortgage Lending in Los Altos, CA Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved All People / CA / Los Altos / Nicole Santizo at Rate (NMLS #582907) Nicole Santizo Branch Manager/SVP of Mortgage Lending NMLS: 582907 [email protected] (650) 584-0958 (408) 499-1270 We Make The Mortgage Process Easy Simple. Fast. Stress-free. Buy a home Refinance About Nicole Santizo As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey. Read more The right advice could help you find the right mortgage for you. Let's work together. Let’s connect on social 5 minute pre-approvals from anywhere.* Lightning fast fintech HELOC Apply in 5 minutes and get your funds in as few as 5 days. No in-person appraisal required. Apply now Get a personal loan today Get the extra financial help you need. Apply in Minutes, get your funds in days. Get started We can make it happen! Down payment assistance Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership. Learn more Low down payment loans As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements. Learn more Veteran loans Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers. Learn more Bank Statement loans Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs. Jumbo loans You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets. Learn more Lock in your rate Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program. Learn more Accelerated timelines Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down. Learn more Physician loans Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down. Learn more Foreign National loans Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score. Reverse Mortgages A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care. Learn more Get approved in one day** The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down. Get a fast approval with options as little as 3% down. Let’s go Helpful tools and references Mortgage calculators First time homebuyers guide We're in your pocket We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go. The Rate App allows you to: Monitor your loan status Connect with your loan team Calculators, tools, guides, and advice Track your home value Wellness tips to help you grow holistically Download our app Now available on Located at 167 S. San Antonio Rd. , Suite 16 Los Altos CA , 94022 *Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply. **Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc. All People / CA / Los Altos / Nicole Santizo at Rate (NMLS #582907) Nicole Santizo Branch Manager/SVP of Mortgage Lending [email protected] (408) 499-1270 Make a payment Buy a home Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the E Learn More About a Reverse Mortgage or HECM & Apply Today! You need to enable JavaScript to run this app. Contact Rate Loan Officers in Los Altos, CA Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved All Loan Officers / CA / Los Altos 7 Loan Officer s Los Altos , CA Nicole Santizo NMLS # 582907 Branch Manager/SVP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (650) 584-0958 Tanya Click NMLS # 307893 VP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (408) 710-0265 Andre Gutierrez NMLS # 251241 Associate VP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (408) 508-5610 Chris Sandoval NMLS # 1176734 VP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (408) 393-0004 Bee Wong NMLS # 281727 VP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (415) 860-0012 Parshan Rayatkah NMLS # 1577584 VP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (650) 316-2171 Steve Torres NMLS # 1452679 VP of Mortgage Lending 167 S. San Antonio Rd. Suite 16 (650) 584-0958 All Loan Officers / CA / Los Altos Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. 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English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Privacy Pages Our Privacy policies explain how Rate and our affiliates manage personal information about you when you interact with us online through our websites and mobile applications through your computer, smartphone, tablet or other mobile devices. Online and Mobile Application Privacy Notice U.S. Consumer Privacy Notice (“Gramm Leach Bliley Act Privacy Notice”) California Consumer Privacy Notice California Applicant Privacy Notice California Employee Privacy Notice Vermont Consumer Privacy Notice Do No Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information Link to home page MANAGE YOUR MORTGAGE Sign in to your account Pay your mortgage Contact us ABOUT US Overview Core values Leadership Press Our Foundation CAREERS Loan Officers Operations Tech All open positions WEBSITES Rate Insurance Advocus Title Agent Advantage Accessibility Licensing Notice to Vendors Privacy Policies SMS Terms Terms of use DNC NMLS Consumer Access Rate Instagram page Rate X page Rate Facebook page Rate LinkedIn page Rate Youtube page Texas Consumers: How to file a complaint Do not sell my personal information Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply. Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org Arizona Mortgage Banker License #0907078 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York. The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Core Values | Rate You need to enable JavaScript to run this app. VA Mortgage Rates | Find today’s current VA home loan rates Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail. English Español Save changes Back Homes Find, buy and refinance Personal Loans Fund your future Insurance Protect what’s precious Security and home savings Exclusive offerings and more Student Loans Refinance and save Auto Loans Streamlined auto financing Rate Concierge Stress-free utility setup Find Buy Refinance HELOC Loans Rates Resources Search Contact Log in Log in Get pre-approved Get pre-approved Rate.com / Mortgage rates / VA Current VA mortgage rates VA loans are often available with no down payment, lower closing costs, good rates and no minimum credit score. Do you have mortgage questions? Connect with an expert to get answers to questions. Connect with an expert ‌ ‌ Personalize your rate Craft a rate to fit your needs. You might even qualify for a lower rate based on details you provide. Get started How to apply for a VA home loan Applying for VA home loans and refinancing for service members, Veterans and their families is simple with Rate’s Digital Mortgage. Follow these steps. 1. Obtain your certificate of eligibility (COE) You’ll need a military Certificate of Eligibility (COE). Our mortgage specialists can retrieve it for you through the VA's online portal. 2. Gather key documents You’ll need to provide income verification, tax returns, asset statements and personal identification. 3. Take advantage of Zero Down for Heroes Learn more about Rate’s Zero Down for Heroes program that could allow you to buy a home with a no down payment option. 4. Apply online Apply online, and our experienced Loan Officers will guide you from eligibility to closing. Start my approval VA mortgage interest rates guide & FAQs Reach out to Rate loan experts who can answer even more questions and help you achieve your homeownership goals. Find my loan officer What is a VA loan? Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers. VA loans provide affordable mortgage options for military veterans, active service members and their families by easing some of the financial burdens associated with buying a home. Since its creation in the 1940’s, the VA mortgage program has helped millions of service men and women get a foothold in the housing market and build a stable financial future. Provided by the U.S. Department of Veterans Affairs, this program allows lenders to issue financing with more flexible eligibility standards and repayment plans. As an eligible VA loan applicant, you’ll get the benefits of zero down payment requirements, lower credit score minimums, comparatively lower interest rates, and other purchasing perks that can only be accessed with a VA loan. While the VA does not provide the financing used in a home purchase, they do cooperate with private lenders to build an affordable mortgage plan. The VA guarantees private lenders that home loans for qualified military members will be backed up should the home fall into foreclosure. This guarantee only extends to the lender and does not assist the borrower or prevent them from falling into foreclosure. This added government assurance grants lenders with the flexibility to expand homebuying opportunities for service members looking to apply for a mortgage. An ideal VA loan applicant is a military service member or surviving spouse with a relatively clean financial background. Let’s take a closer look at these VA mortgage requirements and how you can be eligible for this type of loan. How do VA mortgage rates compare to other mortgage types? Thanks to the government insurance of these mortgages, lenders are able to offer competitive VA loan rates that are usually lower than conventional mortgages. For example, in March 2021, a typical 30-year fixed mortgage (national) would come with an interest rate of 3.125%. In that same month, a VA loan on the same 30-year plan would come with 2.875% interest attached. A difference of less than a percent might not seem like much, but throughout the term of the loan, you will have saved thousands in interest with the lower rate. Check out the links below for interest rates on other types of mortgages and how they stack up to VA loan. What’s the difference between a VA & USDA loan? Similar to VA loans, USDA loans are designed to make it easier for qualifying families to achieve their real estate goals. Backed by the U.S. Department of Agriculture, USDA loans also assure lenders that their share of the sales price is protected and can approve loans with more lenient terms as a result. However, where VA mortgages assist military members in buying a home, USDA loans are geared towards lower income families in mostly rural communities and can only be administered if the property’s location meets the USDA guidelines. What are the requirements for a VA loan? While the program is designed to help military service members get housing, not everyone who served is eligible. In order to qualify for a VA mortgage, there are a few important requirements you should be aware of: Active duty members need to have served 90 consecutive days. Veterans must meet the length-of-service standards, according to VA.gov. Service members must complete 90 days of active duty, or six years in the National Guard or Selected Reserve. For some cases, such as discharge or service-related injury, you might be exempt from certain length-of-service requirements. If you’ve had a bad conduct or dishonorable discharge in the past, you might not be eligible. These exceptions can vary from case to case, so be sure to check the VA for your specific length of service requirement, discharge status and whether it can be upgraded. Surviving spouses of veterans who were killed, injured or captured in the line of duty are also eligible. In order to secure a VA loan as a spouse, there are a few additional requirements: You have not remarried. The spouse was killed in service or from a service-related disability. The spouse was missing in action or a prisoner of war for at least 90 days. The spouse was rated disabled and was eligible for disability compensation at the time of death. Again, there can be exceptions to these requirements. If you have further questions about your specific VA loan eligibility, be sure to contact the Department of Veterans Affairs. “As first time homebuyers, we had an enormous amount of questions and just overall uncertainty about the entire process. Even though we purchased during the busy holiday season, there was never a time we felt disregarded. From initial approval of our VA loan, to underwriting and closing, the entire process was peaceful.” David Hubbard Mortgage resources We want to help you find a new home in your area and figure out how much you can afford. Home search Home search Look for that perfect home. Home Affordability calculator Home affordability Get a sense for what’s possible. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply. Waived $1,640.00 lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2025 through December 31, 2025 at 11:59pm EST. This offer does not extend to Housing Finance Agency loans. ‘Triggered RESPA’ in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, Apply for a mortgage, home equity loan or refinance | Rate Search for agents by town, city or state Search for agents by location Find Buy Refinance HELOC Loans Rates Resources Contact Español More options Back Back Back Select the language you prefer: The Spanish translation of