RateReviews of rate.com

Brady Spangler and his whole team did an outstanding securing the mortgage on my house. They were extremely attentive to all of my needs. They answered all of my questions and concerns at every phase of the process. I strongly recommend using Brady.

We had a great experience with Rete! The entire team was amazing. They truly fought for our rights and always had our best interests in mind. They explained everything in detail, making sure we fully understood what was happening and what they were doing. They guided us through every step of the process and were always professional, supportive, and responsive. We are very grateful for their help and highly recommend Rete. If we have the opportunity, we would absolutely work with them again!

Our house buying experience with Rate mortgage has been a nightmare. Our loan officer Rick Hartle is so full of himself thinking he is the best thing his company has ever had. He has these fantasy conversations in his memory where he has said things that just were not said. I have used Tracy with Movement Mortgage three times and I have been very happy. When she told me she needed a signed lease on our Anacortes house, I asked Rick at Rate. He said he was not worried about it because it was going to be a wash with the rental income. Two and a half weeks out from closing he tells me he needs a signed lease for a year. A week and a half out he tells me he needs proof of a deposit and a signed lease. Today he says he never said the rent and mortgage was going to be a wash and that he has this conversation every day. That is the third or fourth time he has said that he has this conversation every day. He said he would get back to me shortly with an answer of what is required with a property manager. That was seven days ago and he never got back to me. That is not an isolated incident. He has several times failed to respond as he said he would. I have gone days leaving voicemails and emails asking for an answer and he just does not respond. What ever you do with a mortgage, absolutely do not use Rick Hartle and for me I will never again deal with Rate. I firmly regret not staying with Tracy at Movement Mortgage. She was honest and upfront about everything.

I had a disappointing experience with this lender during my VA IRRRL refinance. Throughout the process, I was told everything was on track, even after my rate lock had expired. Then, just one day before closing, I was informed that there would be an additional approximately $2,400 rate lock extension/holding fee that had never been clearly explained to me beforehand. Because this significant cost was disclosed at the last minute, I decided to cancel the refinance and work with another lender. My biggest concern was not the existence of the fee itself, but that I wasn't informed about it until the very end of the process, leaving me with almost no time to consider my options. If you're considering using this lender, I recommend asking detailed questions about your rate lock, whether extension fees could apply, and requesting that any potential costs be confirmed in writing as early as possible. Clear and timely communication is essential when refinancing, and unfortunately, that was not my experience.

the rate its very roll with customer ineed some body help me ineed control for company i fell she above alow

Our rate kept going up and up and up and up ! Our rate was never locked in even tho we were told several times by Vic that "this means your rate won't go up from here. It went up every step of the way, until we got to the day of closing. Vic our loan officer was so rude and so many lies. We were told our down payment assistance, was a grant that we didn't have to pay back. Lol That was a huge lie. We still have no clarification what our loan actually was bc vic didn't explain anything And when we asked for clarification, he took ever really personal and borderline offensively, and became argumentative and explosive verbally, which was a huge red flag now. He Kept telling us after a year we could refinance, No actually we could refinance the first month After closing. Vic at rate It was terrible to work with. And highly do not recommend. Buyer beware.

Guarantee Rate is absolutely the worst mortgage company I have ever seen and I was the seller in the transaction! Yes I am the seller and spoke personally to the Buyers Agent Whitlee the mortgage officer. She never had answers, blamed it on everyone but herself. Underwriting was a joke couldn't get clear to close. At one point the underwriters said "looks good" instead of clear to close on a Friday afternoon. 7 days later after "looks good" still no clear to close. I would RUN from this company if you actually want to buy a home.

Bruce Salik and his team are the best . They are knowledgeable and tops as a mortgage lender . I highly recommend. Marina Roque