I have to say, this is been the absolute best experience I've ever had in the 35 years of buying and selling investment properties and getting loans/refinancing. This entire process from start to finish has been very smooth and user friendly. Compared to my last experience with watermark home loans, you folks knocked it out of the park! You have a great culture and a good team and that is apparent through the service that you folks provide. What a breathe of fresh air, thank you for that and have a good work week. Todd read more

I will be back, next time I need to re-fi or new home purchase! This California-based group is excellent. I can't speak more highly of the whole team. They are professional, patient, and very clearn in explaining all things refi-related. I'm so thankful I originally found them on Zillow during a time when I was truly struggling getting basic questions answered from a large, national company. Their web page is great. It allows you to run scenarios late in the night, and get instant, thorough loan breakdown results. I can't speak more highly about their page. Rate Rabbit made the re-fi process as simple and fast as it possibly could have gone. I'm so glad I found them! Thanks, team Rate Rabbit! read more

Excellent company, very professional and honest ! Just completed my refi and was a good experience... will do it again. Enjoyed working with Bill and the staff.. Bill is very knowledgeable and understand the market well Highly recommended..please talk to Bill. read more

There was some delay processing the loan. Ultimately Rate Rabbit came through for us with flying colors. Joe's team outperformed our expectations. We wouldn't hesitate to use them in the future. read more

I completed my second amazing experience with Rate Rabbit.  The RateRabbit.com website allows you to answer a few easy questions, then it shows the total costs for the various interest rates.   The other sites I've used make you put in your phone number and email address and then flood your in basket and phone with calls from various brokers.  Rate rabbit shows the exact rate, then allows you to contact them if you want to proceed.  Both times I've been involved in a Rate Rabbit refinance, the loan officer honored those rates.  Did I mention that their rate was the lowest on zillow?  Also, the entire process from initial contact to loan funding was well under 30 days. As with any company, the people make the company.  First, I want to acknowledge Austin, the loan officer.  He made sure that the loan was progressing.  Communication with Austin was professional and succinct. Lindsey was the loan officer assigned to this refinance.  Her knowledge and professionalism were on display as this loan quickly progressed through the various phases.  I needed to provide a couple of extra documents and Lindsey guided me through that process. Finally, the angel in the background was Cinderella, who made sure that I had a pleasant experience. I highly recommend Rate Rabbit for a purchase or refinance loan. read more

Joe Sesi provided remarkably straight forward, fully transparent and streamlined refi's. The other Big Names -- including Amerisave, Quicken, Better.com, Lendingtree etc. -- engaged in countless repeated requests for DUPLICATE documents (yes, it was the department of redundancy department). The Big Names seem to work off a template unable to recognize when every document they could possibly need has been sent. We constantly got emails asking for statements or tax returns we already provided days earlier. We shopped for rates starting in January. Countless other big names all promised 'no points/no fees,' but would not provide the Lending Estimates without a commitment. Better, for example, demands an upfront payment of $750 for property appraisal AND a $500 deposit (at least the deposit they refund). If rates drop, Better DOES NOT adjust their rate. Better.com's practice is common, which was a surprise because they were great in 2020. Better also wanted multiple separate applications for different loans/properties as did Quicken and Amerisave. There was a lot of hand wringing about "high balances" and other "fine print." Some agents incorrectly quoted outdated "jumbo" limits, as if the entire nation was on the same limits. Even when I pointed out certain zip codes have different limits, they wouldn't listen. In wonderful contrast, Joe at Rate Rabbit immediately gave us the Lending Estimates based on key details which he got verbally on the first call. We secured the terms Rate Rabbit advertised, and relatively soon thereafter, we received the opening disclosures. In this environment where a 3 to 6 months 'closing period' is typical, Rate Rabbit moved with lightening speed. We were scheduled to sign escrow exactly 7 weeks from first phone contact with Joe. Lastly, Joe used Fidelity National Title for escrow. Fidelity could not have been more pleasant. Mandy at Fidelity was not only available by phone, she was efficient and responsive to what was probably some tedious questions. To complicate things, we sent last minute documents to show early payments for property taxes and mortgages. Fidelity reworked the final figures with no complaints. It resulted in huge drops in the "cash to close" I needed. Escrow agents do not always treat the borrower/purchaser as the client. But Mandy was was wonderful. read more

Here is my advice when dealing with them. If you have a small, modest loan, they'll accept your application but advancing it through their system will take FOREVER. (I'm guessing cause there is no money to make on it...but I don't really know) They knew they had blown it with me and offered me an apology and a choice between a 'chug' bottle and a dog dish. Wish they had offered to redo my loan, at a cheaper rate, and promise to kept my application at the top of the stack instead of in a drawer. read more

Best website out there for searching rates. Easiest refinance I have ever done. This should be the template for other mortgage lenders. read more

Great rates. Although very laidback communications. Don't anticipate to hear back from the team for at least two days for every single email you sent. started my application two months ago and still has NOT closed. The underwriter sent in the closing document and got both term and closing cost WRONG. Reached out to correct the mistake four days ago and still hasn't heard anything back. Definitely not recommended especially you're under a time crunch to close. read more

Been thru ~10 loans/refi. First time doing refi with Rate Rabbit. Great experience, highly recommend. They came thru on the 2 most important aspects: Rate and Fees. From first conversation to signing loan docs was right under 60 days. Rate and fees were consistent throughout the process and matched what I was quoted from Day 1. No funny business and very straight forward. read more

I would just like to say how courteous and professional this company is. I just called and spoke to Bill and he gave me a quick run down, asked what my current rate is (which is pretty low) and was very honest about if it was worth refinancing at this point, which it wasn't. Phone call was quick and he didn't waste my time, which I SUPER appreciate. Will choose them next time I'm thinking of refinancing. read more

The team at Rate Rabbit processed our loan rapidly and we were happy with the rate and the signing documents experience.

Brian and his team are doing great - excellent rates. No closing cist loan - very transparent and knowledgeable read more

I just closed my refinance cash out loan with Rate Rabbit Loans. I wanted to change my loan company while consolidating my debt to payoff my other home. I called a couple other loan companies for quotes-that experience added to my stress level while taking up valuable time wasted. Then I emailed Samuel Sheldon at RateRabbit.com who returned my email right away Listened to my needs,helped me figure out what would be the best direction to go,plus while on call gave me a quote based on my information right then, and that was exactly what I wanted to do, without any pressure. After I agreed to quote, Samuel set up my own account immediately on the RateRabbit.com website. Samuel and his team walked me through the whole application process-which was all done right there online-through my personal Loan Borrowers portal with secure link for uploads, along with loan information, home information and a complete loan progress so I knew exactly what was going on at all times! What a simple easy process. I was done with my application and uploading necessary documents by end of the first day I spoke to him original phone call. All my questions, concerns were answered immediately with a friendly email or phone within the hour clearly and informatively. NO problems! I cannot express what a relief this was it, lowered my stress level completely. The teams senior loan processor-Rebecca Sesi, was extremely easy to work with informative,clear and helpful on finalizing loan documents. Before I knew it I was getting final closing documents that were exactly like I was quoted-with lowest fixed interest, and terms quoted to me at start. The National Fidelity Title officer Manda, was very helpful, appraisal was quick easy. The Appraiser, Melissa was timely, professional, and local-which since I live in rural area w/few sales, it was imperative, she was also fast in her Appraisal return. The Notary, Jesse was great. Jesse was friendly professional, on time, organized, explaining everything on every page making sure I understood what and why I was signing, I'm very impressed. My loan closed and funded smoothly on time! I was kept in transparent knowledge of my loan progress in real time. All of which was I am so grateful for,I was very hesitant to do this online but I am very relieved it was so easy. I am not at all a real estate investor by any means, just a homeowner trying to make bills easier thereby my life. I am so glad I called Loan Agent Samuel Sheldon at RateRabbit.com. I totally recommend them to anyone looking for a stress free reliable refinance. I from my own experience was really great, secure and fast, this is where you want to refinance. Sorry if it is too wordy,its my first review for something so important as my home loan.Thank you Samuel and all your team at RateRabbit.com read more

Rate Rabbit Home Loans - Mortgage Lenders Near Me - San Diego, California

I originally refi'd through Rate Rabbit for my condo a few years ago after being recommended by a coworker. I was happy with the zero cost loan and their CS. It was my first refi and the process was simplistic and I was very happy with my new rate! Then a couple of years later I purchased a home and I used them again. My realtor was extremely impressed by RR and how quickly they were able to process everything. Getting my pre-approved letter from RR quickly was key, since there were multiple bids for the home. Luckily, we were able to beat out our competitors. Fast forward to today, I refi'd my house and this being my third transaction, I still have a ton of questions. As always the staff is very responsive and thorough. I wouldn't hesitate going through RR on my next purchase which at this current rate wouldn't happen until 2017. read more

Buyer beware Giselle are loan officer is unprofessional she will lock your mortgage at a rate she wants, when you question her about it then she belittles you as if you never have refi a loan before. The total loan cost are not truthful either so be careful when you do business with this company. Get everything in writing. I wouldn't recommend this mortgage company to anyone. read more

Rate rabbit gave me the best interest rate out of several lenders and followed through. They were honest and reliable throughout the process. Closing took some time (60 days) but this is understandable given their high load due to all-time low mortgage rates. I particular appreciate working with Joe, who initially locked my rate and was always responsive and willing to answer my questions and help me out. Thank you, Joe and RateRabbit. read more

Absolute pleasure to deal with. In the age of ability to submit all requested items electronically and during this pandemic, Rate Rabbit kept personal contact down to two people - appraiser and final Document signing (both of whom were easy to deal with and mindful of these times), this was as easy as it gets to keep safe and qualify for a re-finance at a fair rate. Hope to never have to do this again; but if we did it would easily be with them. Professionals all the way. read more

Joseph helped my wife and I 3 whole years before we finally closed on our house. His instruction was instrumental in positioning myself, and my business to prepare for the lending process. We followed all of his advice and are proud to say we successfully funded the purchase of our new house 4 months ago. We could never have done it without him. As first time home buyers it is imperative to plan and work with a professional. I can't say enough good things about him and his whole team! read more

We have just finished refinancing two properties with Rate Rabbit and we are very pleased they delivered as promised and all the staff that we dealt with were great and very professional. All in all we received a great rate and from now on they are the people we will deal with for any financing with real estate. read more

You're not going to find a better lender around. I just got approved by RateRabbit at an unbelievable deal for the purchase of my condo. ALL lender fees were covered at an amazing rate without the need of any points. And to make the deal even sweeter, RateRabbit put a Rush on my loan to accommodate an expedited escrow. I don't usually write reviews, but when a company is proactive in taken care of me, I like to give credit where credit is due. read more

I was referred to RateRabbit after a family member completed a successful refinance with them. Since then, I have refinanced twice with them. Prior to finding RateRabbit I wasted many hours talking to half a dozen different lenders that could never give me a straight answer on the true cost of a refi loan. My favorite part about RateRabbit...they have "one fee guarantee" and "no cost" options. No unpleasant surprises. They are the real deal; highly recommended. read more

I've completed over 5 loan purchases or refinances with 3 in the last 2 years and was referred to Brian at Rate Rabbit for the most recent refinance. He and his team were the BEST experience I have had. They quickly provided me a refi quote that was a good 0.5 point better than other quotes at less closing costs. And then delivered on that quote quickly. I didn't have to worry when and whether my loan would fund. It was exactly as they had said. I can fully recommend them. read more

First working with Rate Rabbit's Receptionist and ending with their Loan Officers was a friendly and smooth re-financing process. Rate Rabbit's Online Loan Calculator tool was easy to use and allowed me to target the rate, APR, Monthly Payment, and Closing cost values I was looking for, and then Lock those values in for my loan when the time was right for my wife and I. I could find no other Lender with such an easy to use and efficient tool. My Refinance took 1 month to complete, and Rate Rabbit uses DocuSign to streamline the re-finance process. Unlike a lot of lenders, I could choose my own Closing Lawyer who lives close to my home increasing the Security and Convenience factor for our loan. Rate Rabbit Staff provided good communication via email and would answer the telephone when requested. Great Job to All Rate Rabbit Staff I worked with, and even to the CEO Bill Mansy who I personally talked to 3 times during this refinance process! read more

AMAZING. This is my second loan in 3 years with Rate Rabbit. This company is great! They are honest and provide the best rates. You can check rates on their website... www.raterabbit.com ... The people are great to work with. They make the loan process easy! I highly recommend this company! read more

I did my FHA streamline refi with RateRabbit and it was an excellent experience. Working with Bill and his staff was a pleasure and I plan on doing my next refi with them. There were no problems, they explained everything to me clearly, and did their due diligence every step of the way. Solid. read more

Reputable people that we have doing business with for a long time, even before they were Rate Rabbit. Extremely knowledgeable and professional management and staff......very service driven....every person is responsive and friendly. read more

I have refinanced twice with Rate Rabbit, and both times got the best rate (after shopping around), and more importantly the process was easy and very transparent. No surprises. I was able to complete several pieces of paperwork easily over email. I recently got a CD ROM in the mail with all my transaction documents for my records - that was a nice touch. The last time I refinanced with them it was because they called me to let me know that the rates had gone down, and I could refinance for no cost and save money. I know they get a fee for doing this, but the important thing to me was that they saved me money. I doubt I'll shop around too much for a loan next time, I'll go to Rate Rabbit first. read more