Buying this year? Start with a pre-approval conversation — fifteen minutes, no obligation, no sales pitch.
For Buyers
Shop like a cash buyer.
A Rate pre-approval tells sellers you're serious — and tells you exactly what your number is before you fall in love with a kitchen. Digital application, licensed loan officer, a letter that means something at the negotiating table.
What pre-approval buys you
Your number, before the search starts.
How it works
Three steps to a letter.
Start the conversation
A short call with your loan officer — goals, timeline, what you're looking for. No obligation, no hard sell.
Apply digitally
About five minutes through Rate's online application. Your documents, your schedule — no office visits.
Shop with your letter
Your pre-approval letter goes with every offer, and your loan officer is on call through closing.
Know your number before you shop.
Fifteen minutes with a licensed Rate loan officer — or five with the online application. Either way, you come away with a real number.
Already own, and thinking about your rate? See refinancing →