Everyone deserves a mortgage process that is simple, smooth, and speedy. We're proud to provide our customers with just that. We prioritize maximizing your savings while bringing you peace of mind along your homeownership journey. The way it should be. Apply online now by clicking the box below and one of our representatives will contact you as soon as possible.
Whether it's purchasing a home, getting a lower rate, or needing some extra cash Rate Plus, Inc. is here to help. Whichever the case, we have a number of affordable loan programs to help you get started. First time home buyers or home owners looking to upgrade, we can help! We offer services to anyone who is looking for financing for a new primary, vacation home, or even investment properties!
Whether it's purchasing a home, getting a lower rate, or needing some extra cash Rate Plus, Inc. is here to help. Whichever the case, we have a number of affordable loan programs to help you get started. First time home buyers or home owners looking to upgrade, we can help! We offer services to anyone who is looking for financing for a new primary, vacation home, or even investment properties!
Services
Our company was founded on a simple principle - to deliver a great RATE - and provide an exceptional customer experience. We deliver the best possible pricing the market has to offer with an unparalleled level of customer service. Our team members have worked in the mortgage industry for decades and have been leaders in some of the most influential and successful companies.
Maximum loan amounts determined by Federal Housing Finance Agency's (FHFA) conforming loan Limit for each California county. Disclosed rate assumes a $400,000 to $548,250 loan amount, rate and term refinance loan on an owner-occupied, single-family residence in California. Minimum 700 credit score, 50% loan to value with no subordinate debt.
Reviews (9)
Byongchol Chang
Nov 13, 2021
Report
Quickest + seamless + smooth + efficient!
No further explanation needed.
I hate advertising mails. Well, everyone does. I usually throw them away without even opening. One day, one of them caught my eyes. It was a refinance advertising mail from RatePlus, one of 1,000,000 refinance mails I literally recieve everyday. Glad it did. 😁
I started the refinance process on 11/4/2021 & got the loan funded on 11/19/2021. It does not get any better.
Amy (loan processor) & Stephen (loan office) were absolutely amazing! Very thorough, polite & straight to the point.
I highly recommend RatePlus (Irvine
No further explanation needed.
I hate advertising mails. Well, everyone does. I usually throw them away without even opening. One day, one of them caught my eyes. It was a refinance advertising mail from RatePlus, one of 1,000,000 refinance mails I literally recieve everyday. Glad it did. 😁
I started the refinance process on 11/4/2021 & got the loan funded on 11/19/2021. It does not get any better.
Amy (loan processor) & Stephen (loan office) were absolutely amazing! Very thorough, polite & straight to the point.
I highly recommend RatePlus (Irvine
Borzoo Mahin
Sep 17, 2021
Report
Steve Childress
Sep 05, 2021
Report
Chad Priddle
Jun 20, 2021
Report
Josie Twine
May 27, 2021
Report
Hello Melissa,
I would be remiss if I didn’t take the time to write an impact statement on how you provided me with exceptional service. Believe it or not I had been trying to get my two(2) property refinance since September, 2020, and its April, 2021. You were a breath of fresh you laid it on the line and went above and beyond on to get the loan closed. I had talked to more than two dozen loan officers over course of the last 6 or 7 months and none were able to get the loans closed in a timely manner. Yes, I was a unique case but that never deter you from moving forward. I always felt you had
I would be remiss if I didn’t take the time to write an impact statement on how you provided me with exceptional service. Believe it or not I had been trying to get my two(2) property refinance since September, 2020, and its April, 2021. You were a breath of fresh you laid it on the line and went above and beyond on to get the loan closed. I had talked to more than two dozen loan officers over course of the last 6 or 7 months and none were able to get the loans closed in a timely manner. Yes, I was a unique case but that never deter you from moving forward. I always felt you had
Keri Vazquez
May 22, 2021
Report
Melissa was absolutely the best and gave me such a gift in having the peace of mind knowing I am finally in a fixed, really great, rate.
I so appreciated her support and guidance as she helped me to explore options, in a no pressure manner, making me feel extremely at ease until I was ready to refinance.
This was absolutely the easiest, fastest, and best process ever!
I so appreciated her support and guidance as she helped me to explore options, in a no pressure manner, making me feel extremely at ease until I was ready to refinance.
This was absolutely the easiest, fastest, and best process ever!
Nora Burrell
May 06, 2021
Report
Positive: Professionalism, Quality, Responsiveness, Value
Rate Plus is an excellent company - I contacted David D. to do my refi loan on 4/6 and it funded on 4/29!!! Excellent customer service, professional, very organized and very personable. David and Misty (processor) are the BEST!! I've referred a few friends.
Rate Plus is an excellent company - I contacted David D. to do my refi loan on 4/6 and it funded on 4/29!!! Excellent customer service, professional, very organized and very personable. David and Misty (processor) are the BEST!! I've referred a few friends.
Scott Gruneisen
Feb 28, 2021
Report
Positive: Professionalism, Quality, Responsiveness, Value
Great experience with Rate Plus, Inc. and our Loan Officer, S. Carpenter. Very knowledgeable and did exactly what she said she would do. I've refinanced many properties throughout the years and this, by far, was the best experience I've ever had. Thank you Rate Plus and Loan Officer Carpenter. :)
Great experience with Rate Plus, Inc. and our Loan Officer, S. Carpenter. Very knowledgeable and did exactly what she said she would do. I've refinanced many properties throughout the years and this, by far, was the best experience I've ever had. Thank you Rate Plus and Loan Officer Carpenter. :)
Lili Wen
Feb 04, 2021
Report
Rate Plus is a great loan company, they helped my refinance a lot.
Gabe Cotton is an excellent loan officer, he is very professional and helped my refinance a lot. I did two times refinances for my house through Gabe Cotton. He is very patient, he works very efficiently. He closed my refinance loan very quickly as soon as only 3 weeks. And he helped to get a very low refinance rate as well, lower than other companies.
Gabe and his team are very professional, very efficiency. They closed my loan so quickly and with low cost. Thank you very much, highly recommend Gabe Cotton, excellent Loan officer
Gabe Cotton is an excellent loan officer, he is very professional and helped my refinance a lot. I did two times refinances for my house through Gabe Cotton. He is very patient, he works very efficiently. He closed my refinance loan very quickly as soon as only 3 weeks. And he helped to get a very low refinance rate as well, lower than other companies.
Gabe and his team are very professional, very efficiency. They closed my loan so quickly and with low cost. Thank you very much, highly recommend Gabe Cotton, excellent Loan officer
