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Fixed Rate Mortgage FHA Home Loan Conventional Loan VA Home Loans Jumbo Home Loans First-Time Home Buyers Mortgage Down Payment Assistance Mortgage Refinance Cash Out Refinance VA Loan Refinance HELOC

Embark on your journey toward mortgage approval right here.

At Rate Simple, securing your dream home begins with the first step of the mortgage approval process. By initiating your application with us, you're taking the essential stride toward turning your homeownership aspirations into reality.

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Attention homebuyers, veterans, and active duty military, our dedicated team is here to support you every step of the way. We offer a simple yet effective process to provide current market rates, to help get you going on your mortgage journey.

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Rate Simple, Inc. | NMLS ID# 2232647 | NMLS Consumer Access Link

8383 Wilshire Boulevard, Suite 540/B, Beverly Hills CA 90211

If you have any questions, comments, or concerns, please email us at management@ratesimple.com By submitting this form, I agree that Rate Simple may contact me at the phone number provided.via automated technology, including autodialing, prerecorded message, artificial voice, and/or text message. I understand that I do not have to consent to receive such calls or text messages to purchase goods or services from Rate Simple

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site.

A Rate Simple HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.
The Rate Simple Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.

Learning Center|First-Time Home Buyers

First-Time Home Buyers

Embarking on the journey of purchasing your first home is an exhilarating milestone! At Rate Simple, our team of loan specialists is dedicated to being your trusted companion every step of the way.

Before you even start house hunting, we offer the invaluable service of free pre-qualification, setting you on the right path. Additionally, we can connect you with a reputable real estate agent through our extensive networks. With diverse loan options, we enable you to secure your first home with minimal upfront costs while tailoring the loan payments to match your financial requirements.

First-time homebuyers often have various questions and concerns, and our loan officer are readily available to provide personalized support. They will demystify the application process, offer valuable tips to aid your home search and ensure you discover the perfect home that aligns with your needs and budget.

FHA Loan

Ideal for those seeking a lower down payment, this option allows you to purchase your home with as little as 3.5% down.

VA Loan

An extraordinary opportunity for veterans and military members, this loan requires no down payment or PMI. If you qualify, you can find out today and seize this exceptional offer!

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