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Rate is your one-stop homebuying shop.
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At Rate, we believe homebuying should be smooth and stress-free. That’s why we combine advanced technology with dedicated loan officers to eliminate obstacles, deliver savings, and empower you to navigate the journey with confidence.
$21.7B
Funded loans in 2023
96%
Customer satisfaction score
600+
Branches serving all 50 states
Rate's Language Access Program is the first-ever mortgage experience designed entirely in Spanish from start to finish.
Our Loan Officers provide you with low rates, world-class service, and a stress-free process.
Mortgage in the blink of AI
Rate combines cutting-edge technology and expert guidance to simplify the mortgage process, giving you the speed and confidence to navigate the home buying journey without the hassle.
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Technology
Get into your dream home faster with the help of AI. Intelligent automation speeds up approvals, while real-time document processing provides the confidence of a fully underwritten approval.


Process
From browsing to buying, Rate has you covered. Search for homes, get pre-approved in minutes, and close quickly. It’s the total homebuying experience at your fingertips.
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now
Shop for your dream home now with your pre-approval letter.

$1,759,367
1237 Del Playa Drive, Goleta
3
4
1080 sq ft
Application date
7/23/24
purchase loan
245021813

Trevor Lane
Your Personal Loan Officer

Philosophy
At Rate, we believe homebuying should be simple. Our blend of technology and expert loan officers delivers a stress-free mortgage experience, empowering you to make big life moves with confidence.
Rate App
Home. Health. Wealth. It's all connected.
Meet the next-generation mortgage app that blends financial and personal wellness so you can make big moves with confidence.
Find and finance your dream home, all from your phone
Connect with world-class loan officers in your area
Discover expert-led wellness coaching to keep you at your best

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Your go-to resource for homebuying
Discover the latest news, insights, and expert guidance to help you make informed decisions on your journey to homeownership.
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Best Online Mortgage Lender for First-Time Home Buyers 2024

Best Online Mortgage Lender for First-Time Home Buyers 2023

Best Home Equity Line of Credit Borrowers with Fair Credit

4.5/5 Avg. Rating by 900+ members




The competitive edge buyers need
Supercharge your homebuying journey with speed and confidence that puts you ahead of the pack. Experience simplified applications, lightning-fast approvals, and low rates. Start your journey with Rate today.
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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.
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ 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 © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.
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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.