Buy a home with the best possible rate & terms
Start your journey. Discover how much home you qualify for today.
No SSN required. Zero impact to credit. Your information is never sold.
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We shop these and 50+ other top wholesale lenders to get you the best rate and terms on your home loan.
Everything you need to find, purchase, and settle into your dream home
Home Search
We'll connect you with the best platforms and tips for finding your ideal home.
Finance Your Purchase
Our expert team guides you through the complexities of mortgages and loan programs.
Close the Deal
We'll prepare your for the final steps of purchasing your home and close the transaction.
Move and Settle In
Tap into our network of top pros and businesses for a smooth transition into your new home.
With Rate Rebel, you can navigate your home buying journey with confidence
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Fixed-Rate Mortgages
Secure your future with consistent monthly payments. A fixed-rate mortgage offers peace of mind, locking in your interest rate for the entirety of your loan term, making budgeting for your new home straightforward and predictable.
Government-Backed Loans
Explore loans with more flexible qualification criteria. FHA, VA, and USDA loans provide opportunities for first-time homebuyers, veterans, and those looking to buy in rural areas, often requiring lower down payments and offering favorable terms.
Adjustable-Rate Mortgages
Capitalize on lower initial rates with an adjustable-rate mortgage. Ideal for those planning shorter stays in their homes, these loans adjust their interest rates periodically, based on current market trends, potentially lowering your payments at the outset.
Getting a mortgage with us is streamlined and fast
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Streamlined Process
Get started easily. Our streamlined process ensures a hassle-free path to your new home.
Simplified Application
No need for complex paperwork. We make applying for a mortgage straightforward and clear.
Support Anytime
Our team is always here to help, providing support whenever you need it, day or night.
Get started with your pre-approval today!
Discover the joy of homeownership with our tailored solutions, guiding you every step of the way.
Take a look at what our clients are saying
“The best place to get your loan.”
Finding the best place to get your loan seemed daunting at first, but Rate Rebel made it simple. Their support and clear guidance throughout the process were unmatched. Truly grateful for making my home buying experience so positive.
Sophie Mooresfield
Encinitas, CA Homebuyer
"Effortless mortgage process with five-star service."
I never imagined securing a mortgage could be so effortless. This is absolutely the best place to get your loan. The staff were friendly, knowledgeable, and always available to answer my questions. A five-star experience from start to finish!
Johnathon Carter
Orange County, CA Homebuyer
“Personalized service that makes a huge difference.”
Choosing this company as the best place to get your loan was the best decision I made in my home-buying journey. Their attention to detail and personalized service made all the difference. I felt supported every step of the way.
Kathie Corl
Del Mar, CA Homebuyer
How much can I afford to spend on a home?
The amount you can afford depends on factors such as your income, debts, credit score, and the type of mortgage you choose. A general rule of thumb is that your monthly housing expenses (including mortgage payments, property taxes, and insurance) should not exceed 28% of your gross monthly income. It's best to consult with a financial advisor or use an online affordability calculator to determine your budget.
What credit score do I need to qualify for a mortgage?
While credit score requirements vary by lender and loan type, generally, a credit score of 620 or higher is needed to qualify for a conventional mortgage. Government-backed loans, such as FHA loans, may have lower credit score requirements (as low as 580). However, higher credit scores often result in better loan terms and lower interest rates.
How much do I need for a down payment?
Down payment requirements depend on the type of mortgage you choose. Conventional loans typically require a minimum of 3-20% down, while government-backed loans (like FHA loans) may allow down payments as low as 3.5%. Some programs, such as VA loans for veterans, may not require a down payment at all.
What are the costs associated with buying a home?
In addition to the down payment, homebuyers should be prepared for closing costs, which typically range from 2-5% of the loan amount. These may include appraisal fees, title insurance, origination fees, and prepaid items like property taxes and homeowners insurance. Other costs to consider are moving expenses, home inspections, and any immediate repairs or renovations.
How long does the homebuying process take?
The timeline for buying a home varies, but it typically takes 30-60 days from the time an offer is accepted to the closing date. This period includes tasks such as securing financing, conducting inspections, and completing paperwork. However, the overall process may take longer depending on how much time you spend searching for the right home.
Do I need a real estate agent?
While it's possible to purchase a home without an agent, working with a real estate professional can make the process smoother and less stressful. Buyer's agents can help you find homes that match your criteria, negotiate on your behalf, and guide you through the paperwork and closing process.
