Get rid of your PMI Payments! | Rate House Mortgage Company

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Get rid of your PMI payments!

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Real Reviews

5/5
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Rate House Mortgage Company
5.0
Based on 21 reviews
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John Caliguire
John Caliguire
21:50 22 Jul 20
I highly recommend John Wolkin and Rate House Mortgage. They made buying a home as easy as it can be!
Jess Vida
Jess Vida
17:44 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
Chris C.
Chris C.
16:20 19 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
Amira Jouabri
Amira Jouabri
18:35 14 May 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
Rick Torres
Rick Torres
18:56 06 Apr 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
Stephanie Hernandez
Stephanie Hernandez
15:44 20 Mar 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
Domonique DeStefano
Domonique DeStefano
20:55 17 Mar 20
I worked with John from start to finish of the process for obtaining my mortgage, and he was absolutely wonderful. He... explained everything thoroughly, and was very patient with me. He was answered my calls and texts for every question and was always very pleasant. I would 100% work with him again in the future, and will recommend him to anyone looking to obtain a mortgage or refinance. He even came to my closing and it was so nice to meet him in person! If you are going to work with Rate House Mortgage, go with John!read more
Lauren S. Barr
Lauren S. Barr
18:50 18 Feb 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
Luis Carrizosa
Luis Carrizosa
09:18 13 Feb 20
Very smooth process and easy process.and a Roger and the team were always available to answer any questions. Great... experience!read more
IvanD Navarro
IvanD Navarro
15:51 12 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
Gina A.
Gina A.
15:54 24 Jan 20
Roger and is team were awesome to work with for a second time around!!
Jasmin Polanco
Jasmin Polanco
17:45 15 Oct 19
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
Rita Kurzawa
Rita Kurzawa
00:00 30 Aug 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
michael onembo
michael onembo
06:58 05 Aug 19
John was great to work with. Made the refinance process very easy. VA loan.
Javis Anderson
Javis Anderson
00:50 31 Jul 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
Edward Nunez
Edward Nunez
14:45 19 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
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Rate House Mortgage Company
5.0
Based on 13 reviews
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Karen Hill
Karen Hill
2019-09-21T00:26:30+0000
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 Hillread more
Johnny Quez
Johnny Quez
2019-06-20T19:18:11+0000
Highly recommended...Roger was excellent.
Carlos Gomez
Carlos Gomez
2019-03-12T22:24:50+0000
Excellent company, great costumer service. John and Roger are very knowledgeable and very friendly.
Jess Kurus
Jess Kurus
2018-12-07T02:54:21+0000
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
Amanda Mancinelli
Amanda Mancinelli
2018-09-19T13:48:10+0000
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
Dana Veneziale
Dana Veneziale
2018-08-24T01:00:42+0000
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
Tanuja Adiani
Tanuja Adiani
2018-06-29T05:02:52+0000
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
Kristen Montalvo
Kristen Montalvo
2018-06-22T18:03:58+0000
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
Erinn DeAndrea Mahoney
Erinn DeAndrea Mahoney
2018-05-17T03:14:41+0000
Unbeatable rates and closing was quick and easy. Will continue to recommend!
George A Rompos
George A Rompos
2018-03-22T16:03:01+0000
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
Christian Luis Ojeda
Christian Luis Ojeda
2018-03-18T21:23:26+0000
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
Desiree Danielle
Desiree Danielle
2018-03-11T18:47:16+0000
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
Rikki Erica Portner
Rikki Erica Portner
2018-03-08T19:31:56+0000
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
Patricia Wares Romond
Patricia Wares Romond
2017-12-08T22:52:00+0000
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
Keysha L Berry
Keysha L Berry
2017-08-15T21:27:20+0000
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
Melissa Silva
Melissa Silva
2017-03-23T02:53:47+0000
They help my clients get their homes and are always so helpful!!
Melissa Swallick
Melissa Swallick
2015-12-15T05:26:30+0000
Omar Bisono
Omar Bisono
2013-12-30T00:53:18+0000
Diane Purcell Holtz
Diane Purcell Holtz
2013-12-01T17:17:42+0000
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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

Terms

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.

Electronic Communications

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.

Trademarks

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.

License and site access

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.

Your membership account

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.

Reviews, comments, emails and other content

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.

Product and service descriptions

Rate House Mortgage Company attempts to be as accurate as possible. However, the information contained in this website is for general information purposes only and Rate House Mortgage Company does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.

Website Ownership

This website is owned and operated by Rate House Mortgage Company, 1316 Bound Brook Road, Suite 1B, Middlesex, NJ 08846.

Revisions

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

Processing<

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.

Intellectual Property

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.

Third Party Links

Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information on your computer screen from other web sites, which are not maintained by Rate House Mortgage Company. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.

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