Banks have one option.
We have hundreds.
When you walk into a bank, they can only sell you their own product. When you work with a Broker like Rate Trac, we force lenders to compete for your business.
Think of it like booking a flight.
Going to a bank is like buying a ticket directly from one specific airline. Even if their price is high or the schedule doesn't work, that's all they can offer you.
Using Rate Trac is like using Expedia or Kayak. We scan the entire market of wholesale lenders to find the exact rate, term, and program that fits your wallet.
Head-to-Head Comparison
See exactly why savvy borrowers choose brokers.
Wholesale Pricing
We access "wholesale" interest rates not available to the general public. Because we do the legwork for the lender (processing, structuring), they give us a discount that we pass on to you.
Fiduciary-Style Care
Our future business depends on referrals. We are motivated to make you happy, not to hit a quota for a corporate bank manager. We work for you, not the bank.
Speed Wins Deals
In a competitive market, speed matters. Big banks are notoriously slow and bureaucratic. We are agile, often closing loans in 15 days or less, making your offer stronger.
Stop overpaying for your mortgage.
Let us shop dozens of lenders to find your perfect match. It costs you nothing to compare.
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