We worked with Rick Gilbert at RatePro. He was always available to us to answer any questions or concerns that we had and always returned our calls promptly. He was a real pleasure to work with. I would highly recommend him for your mortgage needs. He's the best of the best!! read more

We worked with Jesse from RatePro for our 10/2023 home purchase. We really enjoyed working with him. He is very responsive to any and all questions. He really took the time to find a product that would suit our needs even though he did not have the product that we were originally searching for. We got a better outcome with the product that he devised and selected for us than we would have had we went elsewhere to find what we were originally searching for. He is well versed in his field. He was there for us at every step. I look forward to working with RatePro again! read more

Rick Gilbert was wonderful to work with. he guid s me through the finance of my new home making much less stressful than it could be. Thank you Rick read more

Jesse was an amazing person to work with. He was knowledgeable and help me understand every step of the process. He also was very available for calls and texts whenever I needed him. I highly recommend working with him if you're in the market for a mortgage. read more

Rick and Pam were great through the whole process of buying our first home! Very responsive and Rick was able to get us a better rate than we we're pre-approved for through USAA. Our closing was pushed a couple times due to an issue with the appraisal, but Rick kept us updated through every step of the way! I definitely recommend their services! read more

Jesse with RatePro Mortgage is great. As a realtor in the Richmond/RVA area, having someone on the mortgage side you can work along with is so important. Jesse answers all my questions, the client's questions, and is easy to get a long with. I could not recommend him enough to new clients to be their first point of contact. Highly recommend! read more

Rick is so easy and good to work with. His knowledge base is vast and I really appreciate the excellent care he provided as well. Call Rick! You will not be disappointed. read more

Rick with RatePro Mortgage was very responsive, offered a lower than expected interest rate and was on top of his game to get the closing done as soon as possible. The property had a few quirks that didn't allow for just any loan and Rick handled it with ease. He kept up with necessary documentation from the realtors and myself. read more

Rick and his team were awesome! They helped us get the lowest rate possible. Everything went smoothly. I would highly recommend Rick and his team at RatePro Mortgage to anyone looking to buy a home or refinance. Thanks!!! read more

As a first-time home buyer, Rick at RatePro Mortgage was a valuable resource for mortgage information. I initially found RatePro Mortgage when looking for information and stumbled upon their mortgage information blog. Rick answered all of our questions and explained different types of mortgages and the advantages of each. He was able to teach us about the different factors involved in a mortgage loan, such as credit score, income, and loan history. He also gave us information on conventional mortgage loans, private mortgage insurance, and 15- or 30-year mortgage terms. RatePro Mortgage was able to teach my fiancee and I a ton of information about mortgages, and Rick made us feel extremely comfortable. At the end, we were able to sign a low-rate mortgage that we really felt was customized to our needs. read more

Buying a home could not have been a more pleasurable experience than it was with Rick Gilbert at Rate Pro Mortgage. He delivered exactly what he said he would, in the time line he said he would. He was open, honest, and prompt. After speaking to several other mortgage brokers, I am glad I chose Rick! My friend Sarah was house shopping at the same time, and switched to him after having problems with another company... and her and I were able to close the same week! read more

My spouse and I were pleasantly surprised by Rick's professionalism, knowledge of the industry, and responsiveness throughout the entire process of purchasing our home. Rick took the time to walk us through all the numbers until he was sure we understood them. At times our conversations seemed like a mini economics class, since we asked him so many questions, ranging from APR calculation to market fluctuation. Thanks again, Rick! read more

[*]...make that 6 stars. I can't say enough good things about RatePro Mortgage and its president, Rick Gilbert. I came to him several weeks ago hoping (against hope, I'll admit) to refinance my property from a 7-year adjustable to a 30-year fixed. Because I live on a farm with a relatively unique setup, my previous bank first told me that we wouldn't be able to secure a 30-year rate because the comparable sales (comps) in the area were lacking, and the bank wouldn't be able to lock in a rate for that long. Cut to three years later, and I ask my mortgage rep to look into it, thinking the market has likely improved some and should make it easier to find comps. She said she would find out what she could do, and I never heard back from her. Meanwhile, I decided it would also be worth checking out the mortgage place down the street from my home. I figured since they were local, they might know the area better and could figure out how to get us into a nice, cozy, 30-year fixed mortgage while rates were still low. Turns out I was right. I emailed him on a Saturday afternoon, and come Monday morning at 9:00, I get a call from Rick. After a brief and friendly discussion, he sets an appointment for me to come in and talk details. I told him my concerns about our property and the comps issue, and he smiled. "I don't think you'll have a problem," he said reassuringly. And we didn't. Long story short, my wife and I just signed our closing paperwork yesterday on our new 30-year fixed rate. We shaved almost a full point from our APR, and rolled our home mortgage together with a home equity loan we took out shortly after moving into our home. All told we're now saving around $350 per month, and we won't need to worry about the rate going up. EVER. And all of this was done inside of a month. Granted, our circumstances might be different from a lot of other folks. We have excellent credit, a fair amount of equity and a relatively low loan-to-value ratio. Still, our previous bank seemed to ignore these details. Rick, on the other hand, knew better. Whatever your situation, I highly recommend RatePro. Rick is a great guy to work with. He's highly responsive, honest, and friendly. And he really knows what he's doing. If I have the means to purchase or build another home in the future, I'm calling Rick Gilbert. read more

Great experience! Rick and Pam were very professional and knowledgeable. We got the best rates and our loan closed quickly with no hick-ups! Very impressed and highly recommend. read more

We found Rate Pro mortgage after working with several other mortgage companies all of whom failed to grasp our complicated financial situation and failed to get us our mortgage. Having been self employed for many years and owning several small business' made our financial picture very complicated with lots of moving pieces. Rick was able to quickly grasp the situation and recommend the actions necessary for us to get our approval. Without his expertise we would not have been able to buy our new home. We highly recommend him. read more

Knowledgeable, professional, highly courteous, fast service....that's what you get with the Rate Pro Mortgage team. We were way into the home mortgaging process with a reputable bank in town, and switched midstream to go with Rick Gilbert and Rate Pro Mortgage. Rick worked very fast, explained things along the way, and made sure that we had the best experience possible in the purchase of a home. His reputation and relationships with lenders in the industry supports his ability to get the best rate for any given situation. He saved us $1000s at closing, over the other institution. Thanks Rick, Pam, and Pro Rate Mortgage! read more