Conventional
Fixed and adjustable-rate loans with the most flexible terms and lowest long-run cost for qualified borrowers.
Loan Programs & Products
From first-time buyers to seasoned investors, we structure the right loan with Rate's full national product set behind us.
Fixed and adjustable-rate loans with the most flexible terms and lowest long-run cost for qualified borrowers.
Rate has been the nation's top jumbo lender for years — and it's not close. Private-banking terms without the private-banking relationship requirements. Plus jumbo options with less than 20% down, shore homes, and niche high-end condos.
Rate has taken portfolio lending in-house at a national non-bank lender — underwriting, closing, and funding a modern product set directly: DSCR, bank statement, asset depletion, crypto-backed Rate-Fi, 1099-only, ITIN, and more. A progressive playbook that puts a wide range of competitive financing under one roof, with best-in-class service.
Government-backed loans with low down payment minimums and flexible credit guidelines.
0% down loans for eligible service members, veterans, and surviving spouses — with no PMI.
PHFA, NJHMFA, and DSHA state-bond programs offering below-market rates for income-qualified buyers across PA, NJ, and Delaware.
State, city, and lender-funded programs that close the gap on your down payment.
0% down rural development loans for eligible areas across PA, NJ, and DE.
Tap your equity for renovations or debt consolidation without touching your first mortgage rate.
FHA-insured Home Equity Conversion Mortgages plus proprietary reverse options for homeowners 62+. Convert equity into tax-free income with no required monthly payments.
Rate-and-term and cash-out refinances modeled both ways before you commit. We monitor every funded client with state-of-the-art systems — including AI — so we know the moment savings could be realized and bring the opportunity straight to you.
Not sure which fits?
Every program above is structured around your numbers, not a template. Our team will walk you through what actually fits — no obligation.
Meet the team