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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|Mortgage Refinance

Mortgage Refinance

Ready to Reduce Your Mortgage Costs and Monthly Payments? Consider Refinancing!

Mortgage refinancing replaces your current mortgage with a new one featuring different terms. It's a strategic move that can lead to substantial savings by lowering monthly payments. Staying informed about your current refinance mortgage rates is crucial, and Mpire Financial Group is here to guide you through the process.

Top Reasons to Explore Mortgage Refinancing

Lower Monthly Payments

Take advantage of today's low mortgage rates to reduce your monthly payment, putting more money in your pocket.

Debt Consolidation

Refinancing can help you consolidate high-interest debts, offering an opportunity to pay off those debts with a lower interest rate. Even if you have less-than-perfect credit, we can assist in lowering your monthly payments while eliminating higher-interest debt. This consolidation simplifies your financial life, improves your credit score, and saves money.

Finance charges could be higher over time.

Accelerated Mortgage Payoff

Shortening the term of your loan can result in a lower mortgage rate. With today's competitive rates, you can pay less interest while maintaining a manageable monthly payment.

When Should You Refinance Your Mortgage?

Rate Simple provides valuable information on various mortgage refinancing rates and options. When you're ready to take the next step, contact us, and we'll offer expert guidance on selecting the ideal mortgage refinancing program tailored to your specific needs.

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