Rate House helps you understand all of your options, then we shop 100+ banks to find your BEST RATE!
Rate House helps you understand all of your options, then we shop 100+ banks to find your BEST RATE!
Our Low Down Payments
Our Simple Process

1. Learn & Understand
Our Mortgage Experts will help you understand all of your mortgage options, including costs, rates and payments. Then YOU can decide which mortgage fits your needs.


2. Get Qualified
Our Qualification Process only takes 8 minutes and can be done WITHOUT a Credit Report. Your Qualification Letter tells home sellers that you’re a serious buyer who can close quickly.


3. Shop Homes
You start searching for the perfect home, once you’ve found it, we will process your entire mortgage application and coordinate a smooth closing.

Introducing Rate House Mortgage
Best Market Rates
30 Year Fixed Rate
3% or $8,740
3.5% or $9,625
5% or $9,625
10% or $25,000


  • Home Purchase
  • $250,000 Home Price
  • Single Family
  • 700 Mid Credit Score
Easy to Understand Mortgages
  • $0 Origination or Application Fees
  • 15, 20, 30 Year Terms
  • Fixed Rates
  • 1 & 2 Family Homes
  • Condominiums
  • Home Renovation Loans

Our Mission
Rate House Mortgage Company believes that home ownership should be accessible and affordable for all deserving American Families. We believe home ownership is a cornerstone in our great culture and by creating more homeowners, we strengthen our communities, our economy, and our country. Our mission is to support home buyers by clearly explaining all of their mortgage options and helping them obtain their ideal mortgage at the best rate, terms, and fees. Please join us by becoming a new homeowner or being one of our team members who support home buyers.

Our Story
Rate House Mortgage was created by a team of experienced mortgage industry professionals. We wanted to build a mortgage company unlike any in the market. We wanted to help home buyers obtain an ideal mortgage that they can afford. If we simply helped our clients understand all their mortgage options, then delivered the best mortgage terms we could find, we knew we’d be successful. We’ve built that company and we provide UNBIASED, and UNFILTERED guidance. Because, by law, our compensation isn’t tied to your rate or terms. We receive the same small, predetermined amount, on every mortgage we process, from the banks or lenders in our network. We have nothing to gain or lose by which lender or program you choose. We’re just there to help you figure it all out. We process SIMPLE, LOW COST, LOW RATE Mortgages for Average American Families. We think it’s the BEST way for home buyers to get a mortgage today.

Real People Reviews

Facebook Reviews

positive review  Our thanks to Roger, Brian, Karolina, Jaclyn & Rob for your part in helping us! We are more than pleased with your great service and friendly answers to our many questions. All in all, it was a very smooth process and felt like it went together so seamlessly. You are more than rates & mortgages, you are friends. Thank you especially, Roger, for your kindness, vast knowledge and new perspectives. We will definitely refer people to you in the future! Kudos to you all! Very satisfied customers, Karen & Harry Hill

Karen Hill Avatar Karen Hill
September 21, 2019

positive review  Highly recommended…Roger was excellent.

Johnny Quez Avatar Johnny Quez
June 20, 2019

positive review  Excellent company, great costumer service. John and Roger are very knowledgeable and very friendly.

Carlos Gomez Avatar Carlos Gomez
March 12, 2019

positive review  My fiance and I worked with John and we were more than happy with his exceptional service!! We were nervous and clueless first time home buyers and he was there every step of the way to answer any questions and explain things in detail when we didnt understand the mortgage “lingo.” I 100% recommend John!!

Jess Vida Avatar Jess Vida
December 7, 2018

positive review  Roger and his team at Rate House Mortgage were the best to work with! We recently closed on a short sale home which was a more complicated transaction. He clearly explained every step of the process and was consistently available when I had any questions. His team went above and beyond to make sure deadlines were met and nothing fell through the cracks. I will recommend this company to anyone shopping for a mortgage. You know you are in great hands. Thanks guys!

Amanda Mancinelli Avatar Amanda Mancinelli
September 19, 2018

5 star review  Roger from Rate House truly deserves an exceptional review! Roger’s communication skills were impeccable and made the process of buying our first home so smooth!! Thank you so much Roger and Rate House for all your assistance & expertise. Roger assured us we will have questions and he never failed to be there at any time to answer any question. Each step was explained thoroughly and tasks were done in a timely fashion. Will totally recommend Roger and Rate house to my family and friends!

Dana Veneziale Avatar Dana Veneziale
August 24, 2018

5 star review  Rate House Mortgage and Roger Sanchez are amazing people! They understand that for a big purchase, questions and trepidation are normal- every single time I had a question, concern or just felt like making sure I understood everything- Roger and his team patiently and professionally answered and addressed my concerns. ( Special mention Karolina W- who picked up the phone and talked with me instead of at me!!) It’s a pleasant surprise when a mortgage broker team isn’t trying to strong arm you or scare you and actually cares. These are it people- I wish this team lots of success 🙂

Tanuja Adiani Avatar Tanuja Adiani
June 29, 2018

5 star review  I would highly recommend John and the Rate House Mortgage team. I most definitely will be referring him to my family and friends. The entire experience myself and my fiance had in purchasing our very first home was truly professional. Thank you for the great communication every step of the way and making a stressful situation stress free.

Kristen Montalvo Avatar Kristen Montalvo
June 22, 2018

5 star review  Unbeatable rates and closing was quick and easy. Will continue to recommend!

Erinn DeAndrea Mahoney Avatar Erinn DeAndrea Mahoney
May 17, 2018

5 star review  Roger, and colleagues were amazing in making one of the most important purchases of our life flawless, with no stress, minimal confusion and really just a simple transaction. Purchasing a car is more stressful and takes more time in an office than working with these great people. Honesty trust, and communication are key elements to any business relationship and transactions, not once did I ever have to run around and get things, like you hear in other House horror stories, or not once did I feel like just some other client. Roger and his staff made the whole process simple, with little to no leg work from us, and from day one, had our full trust to handle everything as family. Not only did hey make everything run smoothly but truly felt like I was sitting with family. 24/7 they were there to answer a question or to make phone calls for us, I can not thank them enough and I believe that anyone looking for a home, look no further for your financing needs, rate House is the best of the best. During the whole time I even forgot we were in the process of buying because it went so smoothe. Thank you all for everything a!!

George A Rompos Avatar George A Rompos
March 22, 2018

5 star review  Not sure where to begin. First and foremost I thank the Lord for these wonderful people. I can’t thank you guys enough for making this happen, SERIOUSLY!!. Roger, Karolina and his entire team were incredible. They answered all my questions, quickly, had so much patience and basically hold my hand the entire way. Even during the most stressful moments I felt like they were sharing my pain, and they would work with me to work it all out. Roger is very professional, knowledgeable, friendly and his number one priority is “us” his clients. I really appreciate that!. Karolina has a nice personality, a pleasure to deal with and she’s very friendly as well, oh.. and she gets the job done!. I could write pages about my experience but I don’t want to bore you, just do yourself a favor and consider this amazing team if you want to buy a home. You will not be disappointed!

Christian Luis Ojeda Avatar Christian Luis Ojeda
March 18, 2018

5 star review  Roger was absolutely wonderful! As a first time home owner, I was extremely stressed and had no idea where to even begin. Roger made the entire experience not only easy, but also delightful! I found the perfect home for us and could not be happier! I would absolutely recommend RateHouse Mortgage Company and Roger to anyone looking to buy!!

Desiree Danielle Avatar Desiree Danielle
March 11, 2018

5 star review  Thank you Roger for your patience and service. You really made Larry and I feel secure and well taken care of. You made getting a mortgage much easier than I thought it would be, and now I own a fantastic home thanks to you and Rate House!

Rikki Erica Portner Avatar Rikki Erica Portner
March 8, 2018

5 star review  Not sure where to begin, but I can’t thank this team enough for making my dreams come true. I have to admit I was going to go through my bank, I tend to trust them since I never got a mortgage before, but I am so glad I went with Roger and his team. They held my hand through all my fears and made this process so easy. They worked with my realtor and lawyer and answered all of my questions. Even my stupid questions never making me feel foolish for asking. They provide amazing customer service and I highly recommend them with 10 stars. Thanks again for letting this middle aged single women start a new life and get a dream house. �����������

Patricia Wares Romond Avatar Patricia Wares Romond
December 8, 2017

5 star review  I highly recommend Roger and his team. If your a First Time Homebuyer or just looking to purchase your dream home call him. He provides you legendary service. You can close in 30 days with Roger. �

Keysha L Berry Avatar Keysha L Berry
August 15, 2017
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