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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.

  1. A Rate Simple HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
  2. 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.
  3. 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.
  4. 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|Fixed Rate Mortgage

Fixed Rate Mortgage

Plan your budget with the assurance of a consistent mortgage payment at a low, fixed-rate that remains unchanged over the entire duration of your loan.

The 15-Year Mortgage

You'll pay significantly less in interest. Opting for a 15-year mortgage when borrowing $100,000 can lead to substantial interest savings, especially with the typically lower rates available for 15-year mortgages.

Your monthly payment may be slightly higher initially due to a greater allocation towards the principal, but achieving a mortgage-free status in half the time is remarkable.

Get a mortgage to buy a home

Refinance My mortgage

Get cash from my home

The 30-Year Mortgage

30yr fixed rate mortgage offers a set interest rate for the 30yr term of the loan and will not fluctuate at anytime over the 30yr period.

How It Works:

  • Monthly payments are determined by your interest rate, principal loan amount, and the amortized interest over 30 years.
  • With a Fixed Rate Mortgage, your interest rate remains constant, even if market rates rise.
  • Your payment remains consistent throughout the entire loan term.
  • Your actual payment may vary depending on your unique circumstances and prevailing interest rates at the time of application.
  • You have the flexibility to pay off your mortgage at any time without incurring pre-payment penalties.