Closing Costs Information (Landing Page #6) | Rate House Mortgage Company

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REAL REVIEWS

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5/5
Brian helped me with refinancing and to say he made the process smooth and enjoyable is an understatement! He was truly wonderful to work with. All... within our first phone call, I was able to express my concerns and interests to Brian, in which he listened carefully and called me back very promptly with the best possible solution for me. Working with Brian was a breath of fresh air! He helped me lower my mortgage rate and get my finances in order! If you need any financial advising, he’s your guy.-Desiree Scilingoread more
Matthew E.
Matthew E.
23:18 12 Apr 21
John was super friendly and knowledgeable at his job. He got back to us quickly with any questions that we had and made the process as painless as... possible.read more
MARIA C.
MARIA C.
20:21 12 Apr 21
I worked with John and he was wonderful to work with. John was very responsive, easy to talk to and willing to hold my hand through the home buying... experience. Would highly recommend to everyone. He also worked to get me an amazing rate.read more
James M.
James M.
17:37 12 Apr 21
I was lucky to meet Brian Cohen, my loan officer, in one of the houses I put an offer for. He explained me very patiently all the details about... getting a loan mortgage. My offer was not accepted for this house, but he worked with me very efficiently to send me pre-approval letters right away to other houses I liked.I finally found this house and he helped me to keep the best lower rate ever, he helped me going throught many issues in the property, he helped with the underwriters and checking all my documents on time.And I got the keys on 04/05/21!!Thank you very much Brian!!! Your vacation was well deserved!!!All success in life, keep making people happy!Lucianaread more
Tiemi
Tiemi
15:05 12 Apr 21
Are you wanting to refinance or are you shopping for a mortgage and you're not quite sure on how to go about it? That was me! I knew I wanted my... 'go to' person to be close by, so I went online and found Rate House. I called and Brian answered the phone. I told him what I wanted to do and he took over from there. He led us through this process step by step. If we had questions, he always had answers and/or alternatives. If we called and weren't able to reach him, we left a message and he'd return our call within minutes. He was so on top of it, every step of the way. If you are apprehensive about how to go about this, then this is the guy to go to. I'll tell you now, you won't regret it. He made it so easy and totally non-stressful. That was the beauty of this process..non-stressful. We are very happy we chose to deal with Rate House and especially happy that Brian was our advisor. If you are looking for a mortgage or to refinance, then I highly recommend calling here and asking for Brian.read more
Ginette M.
Ginette M.
11:01 02 Apr 21
Rate House is truly professional, knowledgeable and diligent. They take care of business in a smooth and timely fashion. When it comes to meeting... your mortgage criteria or needs, they check all the boxes. You will be happy with your decision if you choose to do business with The Rate House Mortgage Company.read more
Carlos G.
Carlos G.
16:18 04 Mar 21
I would highly recommend Brian to any of my family and friends. He is professional and very knowledgeable. I can not even begin to explain how... easy he made my refi process. There was never anystress or pressure. He makes you feel like you are talking or working with a good friend. He is absolutely great !read more
Debra C.
Debra C.
21:07 25 Feb 21
Recently did a refi with Brian Cohen. Smoothest experience I ever had. Brian was responsive and quick to return calls with answers to any questions.... Would definitely recommend.read more
Mark S
Mark S
22:33 23 Feb 21
It was such a pleasure working with John Wolklin. He is very knowledgeable and quick to answer all our questions..the whole process was smooth and... stress-free because of his work ethic. He was in constant contact with us making sure each step was communicated and completed. Thank you John.read more
Sara L.
Sara L.
12:23 06 Feb 21
I was nervous to go through the process of buying my first home. However, John Wolklin made the process incredibly simple. He held my hand along the... way and was able to answer any questions I had during the process with the utmost of patience and understanding. John would follow up with me on any open items as well and delivered on everything he said, with no ulterior motives. I highly recommend John Wolklin as a mortgage broker because he is transparent , trustworthy and just overall devoted to helping his clients, he is absolutely the BEST!read more
Ivon L.
Ivon L.
15:02 31 Jan 21
It was such a pleasure to work with Brian. He helped us obtain a low interest rate for the mortgage for our first home. He made the process easy and... smooth, which was such a relief during the stressful time of buying a home. Brian was always available by email or phone to answer any questions or concerns. I highly recommend working with him. He is great at his job and a wonderful person.read more
Michelle R.
Michelle R.
00:45 12 Jan 21
It was a pleasure working with Roger and all of his team. They made us feel like family and they were always easy to get in touch with. We couldn’t... have chosen a better person to guide us thru this process and to make sure we got the best possible rate. We’re thankful for all the work that he did for us, I would absolutely recommend his services!Fue un placer trabajar con Roger y todo su equipo de trabajo. Nos hicieron sentir como parte de su familia y siempre fue muy fácil contactarlos. No creo haber podido encontrar una persona mejor para guiarnos por este proceso y asegurarse que nos dieran el mejor interés hipotecario posible. Estamos muy agradecidos por todo el trabajo que hizo por nosotros, yo absolutamente recomendaría sus servicios!read more
Paulina H.
Paulina H.
03:20 24 Dec 20
It was a pleasure to work with Roger and his team. They went above and beyond for us and made things very easy and simple to understand. We truly... appreciate all the help they provided us throughout this process.read more
Paulina R.
Paulina R.
02:49 24 Dec 20
My wife and I had a great experience working with John Wolklin with Rate House Mortgage Company on the refinancing of our home mortgage. John was... very friendly, professional, and best of all, John got us locked in at great new low rate!read more
Dominick L.
Dominick L.
02:53 20 Nov 20
I highly recommend John Wolkin and Rate House Mortgage. They made buying a home as easy as it can be!
John C.
John C.
21:50 22 Jul 20
My husband and I worked with John when we first bought our home and he was so fantastic we went with him again when we refinanced. He made ever step... of the new buying process and refinance so easy when we did not know what to expect of either! I recommend him 100% to anyone who is new to applying for a mortgage or has done it before!! You will not be disappointed! 🙂read more
Jess V.
Jess V.
17:44 22 Jul 20
John helped us through the whole process of getting our house. He kept in constant contact with us, no matter the day or time. I would highly... recommend them.read more
Lucie T.
Lucie T.
17:15 22 Jul 20
Brian provided the best customer service you could ask for and gave me the best rate by far after shopping around. I was so pleased I recommended him... to my entire family.read more
Chris C.
Chris C.
16:20 19 Jul 20
my experience with rate house mortgage was very good , Mr brian was very professional he always available to answer my questions and walk me through... the steps of my mortgage application .seriously this company deserve more than 5 stars if i can i ll give them 10 stars . i strongly recommend rate house mortgage to anyone who wanna purchase a home because you will be in a safe hand .read more
Amira J.
Amira J.
18:35 14 May 20
I want to thank Roger and Karolina for helping me in securing my mortgage loan! Thank you for making the process so simple and stress free. The... process was quick and smooth. We enjoyed working with you. Thanks again!read more
Rick T.
Rick T.
18:56 06 Apr 20
Excellent service! Quick and efficient. Roger and his staff were all a pleasure to work with. Professional and offered and gave expert and... knowledgeable advice every step of the way. Highly recommendedread more
Stephanie H.
Stephanie H.
15:44 20 Mar 20
Brian helped us refinance our mortgage. He locked in a great rate and made the process quick and easy. We went from the initial paperwork to closing... in less than a month. I can't recommend Brian enough - he was great with constant communication, knowledgeable and helpful.read more
Lauren S. B.
Lauren S. B.
18:50 18 Feb 20
Very smooth process and easy process.and a Roger and the team were always available to answer any questions. Great experience!
Luis C.
Luis C.
09:18 13 Feb 20
Excellent customer service, always reachable and reliable, working with Roger was a phenomenal experience, hes knowledgeable and helpful, I really... felt I was on an expert hands from beginning to the end of the process, I will definitely recommend RateHouse Mortgage to everyone in the process of buying a new home.read more
IvanD N.
IvanD N.
15:51 12 Feb 20
Roger and is team were awesome to work with for a second time around!!
Gina A.
Gina A.
15:54 24 Jan 20
I have worked with John and the Rate House Mortgage numerous times and I HIGHLY recommend them as their knowledge and professionalism always exceeds... exceptions. I couldn’t recommend a better mortgage company!read more
Jasmin P.
Jasmin P.
17:45 15 Oct 19
I would like to personally thank john on helping me on the purchase of my first home he made the process very easy and answered any questions or... concerns I had I highly recommend john at ratehouse thanks againread more
Orlando L.
Orlando L.
01:55 07 Oct 19
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
read more
Karen H.
Karen H.
00:26 21 Sep 19
I never write reviews, however; from my first correspondence with John Wolklin, I knew I would be writing him a review. He is absolutely amazing! He... took the time to explain everything to me in detail. ( I knew nothing!) There were times I emailed him at 9pm and he responded the same night. He truly went above and beyond to help my husband and I purchase our first home and answer literally any and all questions I had. He will receive my referral to anyone and everyone I know that is looking to purchase! Thank you so much, John!!!!read more
Rita K.
Rita K.
00:00 30 Aug 19
John was great to work with. Made the refinance process very easy. VA loan.
michael O.
michael O.
06:58 05 Aug 19
John Wolklin and his team were excellent! He was very patient with me throughout the whole process. It was an honor and pleasure working with John. I... would recommend him to all my friends that are thinking of buying a home. We are family for life! John is the real MVP!!!!!!!!read more
Javis A.
Javis A.
00:50 31 Jul 19
Highly recommended...Roger was excellent.
Johnny Q.
Johnny Q.
19:18 20 Jun 19
Excellent service and very knowledgeable on their business and will guide you to get the best loan for your needs whether it is for an FHA,... Conventional or commercial loan. Rapid response when you call with any questions.read more
johnnyge1
johnnyge1
01:26 02 May 19
great service, great office, great people, always answering your phone calls. Ask for John Wolklin
Pierreson L.
Pierreson L.
15:13 15 Mar 19
Excellent company, great costumer service. John and Roger are very knowledgeable and very friendly.
Carlos G.
Carlos G.
22:24 12 Mar 19
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!!read more
Jess K.
Jess K.
02:54 07 Dec 18
Roger was great to work with as we refinanced our mortgage. Helped find the best rate and made the process easy.
Dori A.
Dori A.
13:00 21 Nov 18
Excellent friendly service with great humor and very thoughtful about our situation. Roger Sanchez, helped us get our loan for our home at a VERY... competitive rate. He suggested we look around just to make sure and he was correct. We now have our dream home, at a price that will allow us to pay it off early!The team takes every caution into consideration and gives you honest feedback about the situation. Which I recommend taking into consideration before making the big decision, they won't steer you wrong! I highly recommend Roger and his team to friends and family.read more
Edward N.
Edward N.
14:45 19 Nov 18
Excellent experience! The team at rate house is knowledgeable and trustworthy. I talked to several mortgage brokers and large mortgage lenders before... talking to rate house. I ukti ately went with them because my gut told me they sounded honest and reliable. I was right! The process was smooth, they explained everything in detail and they got me, without a doubt, the best deal of any other lender! A+! Highly recommended!read more
Corey K.
Corey K.
22:58 16 Nov 18
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!read more
Amanda M.
Amanda M.
13:48 19 Sep 18
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!read more
Dana V.
Dana V.
01:00 24 Aug 18
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 🙂read more
Tanuja A.
Tanuja A.
05:02 29 Jun 18
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.read more
Kristen M.
Kristen M.
18:03 22 Jun 18
Unbeatable rates and closing was quick and easy. Will continue to recommend!
Erinn DeAndrea M.
Erinn DeAndrea M.
03:14 17 May 18
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!!read more
George A R.
George A R.
16:03 22 Mar 18
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!read more
Christian Luis O.
Christian Luis O.
21:23 18 Mar 18
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!!read more
Desiree D.
Desiree D.
18:47 11 Mar 18
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!read more
Rikki Erica P.
Rikki Erica P.
19:31 08 Mar 18
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. �����������read more
Patricia Wares R.
Patricia Wares R.
22:52 08 Dec 17
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. �read more
Keysha L B.
Keysha L B.
21:27 15 Aug 17
They help my clients get their homes and are always so helpful!!
Melissa S.
Melissa S.
02:53 23 Mar 17
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Join Us

Rate House Mortgage Company is a fast growing mortgage company. We provide our clients and our colleagues with a full service environment in Mortgage Lending. We provide flexibility and wide array of mortgage financing products to suit our client’s needs.

We believe in being an honest company and delivering excellent customer service.  We operate under an accurate and upfront disclosure platform. Everything we do is about building trust and confidence with our clients.  We respect the impact we have on the lives of our customers and believe it’s our duty to ensure we provide them with good sound advice.  We also believe in technology to improve the lives of our clients and our staff members.  We have some of the most advanced systems, training and support in the industry.

If you are considering a career in the mortgage industry, we are the premiere company to work for.  We are always looking for good, hard working people to join our team.  Here are the positions we have available, come get started today.

Mortgage Brokers

As a Mortgage Broker you will be responsible for assisting clients with their mortgage needs.  You’re role will be that of a trusted advisor helping them make the right financial decisions.  Whether they are purchasing a home or refinancing their current home, you’ll be able to provide them with the perfect loan for them.

The benefits of being a Rate House Mortgage Professional

  • Competitive Commissions
  • Six Figure Income Potential
  • Training
  • Management Opportunities
  • Processing & Underwriting Support
  • Variety of Loan Programs and Benefits

Mortgage Loan Coordinator

As a Mortgage Loan Coordinator you will be responsible for assisting Mortgage Brokers and their clients through the underwriting and closing process. Your duties will include preparing disclosures, analyzing income, qualifying clients, pre-underwriting, submission, and much more. This is an exciting career and opportunity to join our fast pace office environment.

Benefits of being a Rate House Mortgage Loan Coordinator

  • Salary + Commissions
  • Great Income Potential
  • Training
  • Advancement

If any of these positions interest you, please reach out to our Human Resources Department. We’ll be glad to help you apply for a position and schedule and interview. We look forward to having you on our team!

Rate House USA

Human Resources Division

1316 Bound Brook Rd, Suite 1B

Middlesex, NJ 08846

Call:  732-551-3757

careers@theratehouse.com

Investor Relations

Rate House Mortgage Company has large goals. We aim to be the largest mortgage originator in the country. We believe our model is what serves the home buyer’s best interest.

We are expanding in many states across the country. If you’re interested in learning how you can help of our growth, please email us.

Invest@InvestHouseUSA.com

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Thank you for visiting us. Rate House Mortgage Company 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. You should read them carefully.

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When you visit TheRateHouse.com or send emails to us, you are communicating with Rate House electronically and you consent to receive communications from Rate House Mortgage electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

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RATE HOUSE MORTGAGE Company, Inc.’s trademarks and trade dress may only be used with the express written consent of RATE HOUSE MORTGAGE Company, INC. and may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits RATE HOUSE MORTGAGE Company, INC. All other trademarks not owned by RATE HOUSE MORTGAGE Company, INC. 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 RATE HOUSE MORTGAGE Company, INC. or its subsidiaries.

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Rate House Mortgage Company is granting 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 Rate House Mortgage Company. 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 with. 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 Rate House Mortgage without express written consent. You may not use any meta tags or any other “hidden text” utilizing Rate House Mortgage Company’s name or trademarks without the express written consent of Rate House Mortgage Company. Any unauthorized use shall automatically terminate any permission or license granted herein.  You may not use any Rate House Mortgage Company logo or other proprietary graphic or trademark as part of the link without express written permission.

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If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with involvement of a parent or guardian. Rate House Mortgage Company reserves the right to refuse service, terminate accounts, remove or edit content or cancel orders in their sole discretion. Should you require assistance in logging into the website, or for other technical assistance, please contact the following:

Rate House Mortgage Company, Inc.

1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

Rate House Mortgage Company may deny access to any user for any reason and in Rate House Mortgage Company’s sole discretion.

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Visitors may post reviews, comments and other content, and submit suggestions, ideas, comments, questions or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam.” You may not use a false email address, impersonate any person or entity or otherwise mislead as to the origin of a post, comment or other content. Rate House Mortgage Company reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise in writing, you grant Rate House Mortgage Company a nonexclusive, royalty-free, perpetual, irrevocable and fully sub licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content throughout the world in any media. You grant Rate House Mortgage Company and sublicenses the right to use the name that you submit in connection with such content if they choose. You represent and warrant that you own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Rate House Mortgage Company, it’s officers, employees, agents and successors and assigns for any and all claims resulting from content you supply. Rate House Mortgage Company has the right but not the obligation to monitor and edit or remove any activity or content. Rate House Mortgage Company takes no responsibility and assumes no liability for any content posted by you or any third party.

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Revisions

Rate House Mortgage Company’s Terms and Conditions were last revised 11/01/2017. Please check for future revisions.

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We make no guarantees in terms of processing time for any particular loan, application or other information or service. Though we will make every effort to ensure that information is processed as quickly as possible, in order to ensure that information is processed correctly and in light of the fact that there may be circumstances beyond our control which prevents the timely processing of information, applications, etc., the user agrees to indemnify and hold harmless Rate House Mortgage Company for any delays in processing information submitted and processed through the website, and/or other damages allegedly related to submission of information to and/or through the website.

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he information and content available on the Website including but not limited to trademarks, logos, and service marks, text, graphics, logos, button icons, images, audio clips, data compilations and software, and the compilation and organization thereof (the “Content”) is the property of Rate House Mortgage Company, its partners or licensors, and is protected by United States and international laws, including laws governing copyrights and trademarks.

Except were applicable by law; Neither the content nor any portion of the website may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our express, prior written consent.

You shall have no right to use Rate House Mortgage Company processes or technology for any purpose other than accessing the website and using the services offered. Use of the website does not transfer from Rate House Mortgage Company to you any Rate House Mortgage technology, and all rights, titles and interests in and to any Rate House Mortgage technology and all services shall remain solely with Rate House Mortgage Company. You shall not, directly or indirectly, reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from any of the Rate House Mortgage Company technology if such reverse engineering, DE compilation, or disassembly is intended to create, or will be used in, a competitive product.

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Rate House Mortgage Company AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, TO WHICH THIS SITE IS LINKED AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY Rate House Mortgage Company. IT IS THE SOLE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON ANY LINKED SITE. ALL INFORMATION, PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Indemnification

In no event will Rate House Mortgage Company be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if Rate House Mortgage Company is made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless Rate House Mortgage Company for any and all damages and losses as described above relating to your use of the website.

Consent to Electronic Delivery

You specifically agree to receive and/or obtain any and all disclosures, notices, information and communications via email, posting on our website or other electronic delivery rather than via paper documents. This includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the website. You acknowledge that, for your records, you are able to use the website to retain these communications by printing and/or downloading and saving these Terms and Conditions and any other agreements and electronic communications, documents, or records that you agree to in your use of the website. You accept electronic communications provided via Rate House Mortgage Company as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep. To this agreement described herein or if you require paper documents of any of the above, please contact:

Rate House Mortgage Company, Inc.
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

Applicable law

By visiting TheRateHouse.com, you agree that the laws of the State of New Jersey without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Rate House Mortgage Company. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Middlesex County, NJ, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Disputes

Any controversy or claim arising out of or relating to your use of the website, and/or any alleged damages or losses thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Any dispute between the parties must be submitted to binding arbitration administered in New Jersey.

You agree that any effort to resolve any dispute will be conducted on an individual basis, and that you waive any right to have any dispute heard in a class action or any other proceeding in which any party seeks to or does act in a representative capacity.

Regardless of any statute or law to the contrary, any claim or cause of action against Rate House Mortgage Company arising out of or related to use of your use of the website or under these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or will be barred.

Entire Agreement

This Agreement constitutes the entire agreement between you and Rate House Mortgage Company governing your use of the website and supersedes any prior and contemporaneous agreements between you and Rate House Mortgage Company with respect to the subject matter above.

General

You acknowledge and agree that these Terms of Use constitute the complete and exclusive agreement between us concerning your use of the website, and supersede and govern all prior proposals, agreements, or other communications;

Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and Rate House Mortgage Company. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.

Electronic Agreement

You have the right to receive loan documents and disclosures in electronic form. Your consent means that your disclosures, loan documents and any other communications (referred to collectively as “Documents”) related to the process of processing, underwriting, and closing your requested loan may be provided to you through the Rate House Mortgage Company website and via email (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent and you may request paper copies of any Documents without charge by contacting us at (877) 967-8534. You should also keep us informed of any change in your e-mail or mailing address by contacting us at (877) 967-8534.

By agreeing to these terms and conditions you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through the computer software and hardware.

By continuing, you electronically agree to allow Rate House Mortgage Company to view your credit history.

If you have any questions regarding the Terms and Conditions please contact us at:

Rate House Mortgage Company, Inc.
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

Disclaimer

The information contained in this website is for general information purposes only. It is believed to be reliable, but Rate House Mortgage Company. does not warrant its completeness, timeliness or accuracy. To the fullest extent permissible under applicable law, Rate House Mortgage Company. disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges and interest rates may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will Rate House Mortgage Company be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

If you have been referred from another website (including but not limited to any social media site), the information contained in the referring website is for general information purposes only. The information contained there has not been reviewed or approved by Rate House Mortgage Company, Inc. and is provided solely and exclusive by the site’s author. Rate House Mortgage Company, Inc. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Through the referring website you may be able to link to other websites which are not under the control of Rate House Mortgage Company, Inc. Rate House Mortgage Company, Inc. has no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

You acknowledge and agree that Rate House Mortgage Company, Inc. is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, Rate House Mortgage Company, Inc. expressly disclaims all warranties of any kind, whether express or implied, including, not limited to the implied warrant of merchantability and fitness for a particular purpose.

Contact Us

You can contact us with any questions at anything@theratehouse.com

Disclaimer

New Jersey: Licensed by the NJ Department of Banking and Insurance in Trenton, NJ. RateHouse Mortgage Company, NMLS ID # 1611117 will not make mortgage commitments or fund mortgage loans. All Loan are made available through third party financial institutions. All advertised programs and rates are subject to credit and underwriting approval. Not all applicants will be approved. Restrictions do apply. A Minimum credit score is required to be eligible for advertised program or rate. Full documentation is required. Property insurance is required. Mortgage Insurance may be required. Loans secured by liens against your property. Your rate and terms may vary. The only way to lock in a rate is to speak with a Rate House Mortgage Company employee and receive confirmation of lock-in. Recent advertised rates are subject to change without notice.

Licensed by the N.J. Department of Banking and Insurance, Trenton NJ. If you have any complaints, please reach out to NJDOBI, Trenton, NJ.

A cookie is a small text file that is stored on a user’s compute r for record-keeping purposes.  We use cookies on this site.  We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We use both session ID cookies and persistent cookies.  We use session ID cookies to make it easier for you to navigate our site.  A session ID cookie expires when you close your browser.  A persistent cookie remains on your hard drive for an extended period of time.  You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

We use session cookies to tailor your experience on our site.  Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

The use of cookies by third parties, including but not limited to our partners, affiliates, tracking utility company and service providers is not covered by our privacy statement.  We do not have access or control over these cookies.  Our partners, affiliates, tracking utility company and service providers may use session ID cookies.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

WEB BEACONS

Our third party service provider employs a software technology called clear gifs (a.k.a. Web beacons/Web bugs), that help us better manage content on our site by informing us what content is effective.  Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users.  In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.  We tie the information gathered by clear gifs to our customers’ personally identifiable information.

We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients.  This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

ACCESS TO INFORMATION

In case you change your mind or some information changes we will try to provide a way to correct or update the information that you give us.  You may update or delete your information at any time prior to completing your application.  Once the application is submitted, you will not be able to change any of the information online.  We also give you the opportunity to control the communications we direct to you.  If you wish to update information or objects to any usage provided herein for any reason, you may email the requested change to at anything@theratehouse.com.  We will respond to your reque st to access within 30 days.

We will retain your information for as long as your account is active or as needed to provide you services.  We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

HOW WE PROTECT YOUR PERSONAL INFORMATION AND YOUR PRIVACY

We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

The security of our users’ information is an important concern to us.  We exercise care in providing secure transmission of your information from your computer to our infrastructure.  Rate House Mortgage Company uses industry standard efforts to safeguard the confidentiality of your information.  We periodically upgrade and test these procedures and safeguards.  All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols.  In order to use our website, users are required to be running an SSL-capable browser.  We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems.  Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet.

Online applications are maintained on a secure server.  We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email.  Email is normally not protected and may be intercepted and viewed by others.  Therefore, you should refrain from sending any confidential information via unsecured email to Rate House Mortgage Company.

COMPLIANCE WITH STATE AND FEDERAL LAWS

As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers.  In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users.  We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.

SESSION TIME-OUTS

If you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out.  This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.

PASSWORDS

Rate House Mortgage Company, Inc. requires the use of passwords that meet minimum length and complexity requirements.  Users are also required to change their passwords periodically.  To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.

What you can do to protect yourself.  While we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself:

  • If using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.
  • Create strong, unique passwords for each online service that you use and change these passwords often.
  • When you finish using our website from a public computer, log out and clear the browser’s cache file.

Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from Rate House Mortgage Company.  Instead, please visit our website and be sure that the URL starts with; https://theratehouse.com.

DOES RATE HOUSE MORTGAGE COMPANY, INC. SHARE MY PERSONAL INFORMATION WITH THIRD PARTIES?

As a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except:

  • On a “need to know” basis, as necessary under the agreements with our vendors to perform the services as contracted by you
  • At your direction and with your consent.
  • To communicate with you about products and services, update you on new services and benefits, or to provide you with personalized promotional offers.
  • As required or permitted by law.
  • Rate House Mortgage Company may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Use Policy, or may be causing injury to or interference (either intentionally or unintentionally) with any of Rate House Mortgage Company’s rights or property, other users, or anyone else. Rate House Mortgage Company may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

PUBLIC FORUMS

Our site includes links to other websites whose privacy practices may differ from those of Rate House Mortgage Company.   If you submit personal information to any of those sites, your information is governed by their privacy statements.  We encourage you to carefully read the privacy statement of any website you visit.

LINKS TO OTHER SITES

Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at anything@theratehouse.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

CONTEST AND SWEEPSTAKES

We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information.  This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes.  For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes.

NOTIFICATIONS FROM US

If you use our website to apply for a loan or create an account , you will receive email notifications from Rate House Mortgage Company from time to time. These are required notices, and you cannot opt out of receiving them. They are designed primarily to protect your non-public personal information from unauthorized access and to provide you information on the status of your transaction with us. Some notifications may also be necessary when we make changes to various legal agreements or policies, including this privacy policy. If necessary, we may also respond to emails that you send us.

CHANGE OF CONTROL

Your non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of RATE HOUSE MORTGAGE Company, INC.

AGREEMENT AND CONTACT

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with Rate House Mortgage Company.

CALIFORNIA PRIVACY RIGHTS

California Civil Code § 1798.83 permits visitors to our website who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write us:

Rate House Mortgage Company, Inc.
Attn: President’s Office
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

DISCLOSURE FOR CALIFORNIA USERS: RATE HOUSE MORTGAGE COMPANY, INC. AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE RATE HOUSE MORTGAGE COMPANY, INC. WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT ANYTHING@THERATEHOUSE.COM.

NOTIFICATION OF PRIVACY STATEMENT CHANGES

We reserve the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of RATE HOUSE MORTGAGE COMPANY, Inc.’s website following the posting of changes to these terms will mean you accept those changes.

WHO CAN I CONTACT FOR PRIVACY RELATED ISSUES?

Rate House Mortgage Company, Inc.
Attn: President’s Office
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846
732-218-5383 or 888-91-RATES or anything@theratehouse.com