Modern Lending with a
Human Touch.
We are redefining the mortgage experience by blending the speed of technology with the wisdom of veteran brokers.
Our Vision
"To democratize home financing by cutting out the inefficiencies of big banks, providing transparency in pricing, and empowering every client with the same tools and data that industry insiders use."
John Menke
With over 20 years of experience in the mortgage industry, John founded Rate Trac with a simple dissatisfaction: buying a home was too hard, too expensive, and too confusing.
After working for major retail lenders, John realized that the "corporate" way of doing business often put shareholders before homeowners. He launched Rate Trac to return to the roots of personalized brokering—where the goal is to find the client the best deal, period.
Mia
AI Virtual Assistant
Meet Mia, The Future of Service.
You may see Mia featured in our social media or receive a friendly message from her. It is important to know that Mia is an Artificial Intelligence, not a real person.
Why do we use Mia? Because the housing market doesn't sleep. Mia allows us to provide 24/7 support, answer common questions instantly, and help schedule appointments with our human team so you never have to play phone tag.
She represents our commitment to innovation—using the best technology to make your life easier, while our human experts handle the complex strategy.
Try it now: Click the microphone button on her photo to start a conversation.
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