Our company was founded on a simple principle – to deliver a great RATE – and provide an exceptional customer experience.

We understand everyone’s situation is unique. No customer is alike. Customers today are more informed about the mortgage process than ever before. We are here to help guide you to make the best decision for you.  Let Rate Plus, Inc. help you, we want to earn your business.



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. Together, we’ve closed tens of thousands of loans.

It is through our expertise that we discovered how to streamline the mortgage process to best serve California homeowners.



With over 30 years of lending experience, we understand the loan process can be long and complex. That’s why we’ve made it our mission to make it as no-nonsense and hassle-free as possible.

We accomplish this by…

Eliminating costs: We establish trust by staying true to our word. When we say our singular focus is to ensure you SAVE on your next refinance or purchase, we mean it!

We’ve removed the biggest obstacles borrowers face while applying for financing:

  • No upfront fees
  • No appraisal fees collected
  • No hidden fees
  • Lock in your rate at application
  • 25 day closing commitment


Leveraging technology: The days of cumbersome mortgage processes are long gone. Or at least, they should be. We utilize the latest technology to simplify the lending process and offer a variety of low interest rate options.


Funding your loan quickly: No more wondering when your loan is going to close. Your time is valuable. We work with speed and efficiency so you can move into, or refinance, your home fast.

Our business thrives on building meaningful relationships, meeting various expectations and making customers happy.



  • Customer-centric – We ensure our customers get the best mortgage experience possible by putting their needs first every time.
  • Integrity – We hold ourselves to the highest ethical standards in any given situation.
  • Passion – We are passionate about helping homeowners navigate through their home loan process while receiving the highest level of service and obtaining the most competitive rate available.
  • Respect – We value each and every one of our employees and customers. Together, we make a great team and are able to accomplish our goals while providing exceptional service.
  • No Drama – Transparency, accountability and clear communication allow us to maintain a healthy work environment and solve problems in a productive manner if there’s a bump in the road.


Buying or refinancing a home doesn’t have to be stressful. Here at Rate Plus, Inc. we ensure our borrowers have an easy, smooth experience.

We guarantee to provide the best possible rate at our best service to our customers. We believe so firmly in what we do that we charge zero up-front fees, zero cancellation fees and zero rate-lock fees.


Why Us?

We know dreams can become reality. Our extensive knowledge in the mortgage industry has assisted thousands of customers in buying their dream home.

We pride ourselves on saving you time, money and headaches. We offer the lowest rate and cost combination along with the customer service you deserve. You’ll be in the know every step of your journey – from options and pricing to learning how the entire process works.

Have questions? Need more information? We’re here for you. With our assistance, you can make the best decision for yourself when buying your dream home.

  • No hassles
  • No surprise fees
  • Just the help you need

We believe in going the extra mile for our borrowers. And we do just that.

One of our recent borrowers wanted to meet in person to learn more about our rate and process. While our office was closed due to COVID-19, we took precautionary measures and invited him to discuss his options. After spending hours learning more about one another, he chose us as his lender. His loan was funded within just a few weeks.

We want customers to feel comfortable, secure, and confident when they choose us as their mortgage lender. We understand the apprehension that may come with doing business over the phone and a preference for meeting face-to-face in our office. That’s why even during these uncertain times, we have kept all meeting options — in person and remote — available. No matter the preferred means of communication, we are committed to providing a personalized experience for all of our borrowers.

Get Your Rate Quote

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 soon as possible.