Home buying
for everyone.

Start sowing the seeds of your future today with a free home loan pre-approval.

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OUR TEAM

Rate Leaf is a family-owned brokerage where we value every relationship created with our clients and make it a point to accompany them throughout the complexities of the mortgage world.

We know that the financing and re-financing process can be intimidating at times. Therefore our team of experts works hard to provide borrowers with the most competitive rates in today's ever-evolving market.

Our success stems from our 15-year track record as mortgage brokers, our knowledge of the various markets, and our ability to present your transaction to various lenders.

We pride ourselves on our high level of service, being able to arrange fast, creative, and flexible loans in addition to solving unusual problems or offering fresh insight into loan structures.

Welcome to Rate Leaf, where we believe that Home buying is for Everyone!

loans

Lending Services

Begin the process
VA Loan
VA Loan
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A home loan with special benefits for veterans.
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You’re an active-duty military member or veteran or the widowed spouse of a veteran.
Conventional Loan
Conventional Loan
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The standard 30-year-fixed mortgage.
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Offers lowest down payment option of 3% (if you qualify).
FHA Loan
FHA Loan
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Home loans for first-time home buyers.
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Offers low down payment option of 3.5% (if you qualify).
Jumbo Loan
Jumbo Loan
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Loans for homes valued above the conventional limit of $647,200.
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Closing costs are higher (about 5% of loan amount).
Foreign National Loan
Foreign National Loan
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Loans for investment properties for foreign nationals.
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Borrower cannot live in the US.
USDA Loan
USDA Loan
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Loan funds may be used to help low-income individuals or households purchase homes in rural areas
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No down payment is required
Commercial Loans
Commercial Loans
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This is a great program for investors that fix and flip properties quickly.
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Close fast to compete with cash buyers
Bank Statement Loans
Bank Statement Loans
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Loans up to $3 million with a minimum of $150,000
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12 or 24 months business or personal bank statements
No Income Investment Loan
No Income Investment Loan
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Debt-service-coverage-ratio loans use the rental income of the property to qualify for the mortgage without any requirement of personal income verification
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Great way to expand a real estate portfolio with fewer setbacks compared to traditional loans
Interest Only Loans
Interest-only Loans
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Interest-only loans for shorter loan term periods (i.e. 1-3 years)
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Ideal for investors looking to secure a property, renovate it, then sell it and make a profit. Interest only loans will save you money and increase your ROI as long as you sell or refinance quickly.
Customer Story
Rate Leaf Customer Rating

Nicolas and the whole Rate Leaf Team provided outstanding service

Nicolas and the whole Rate Leaf Team provided outstanding service from beginning to closing day. I had the pleasure of working closely with Nicolas and Jennifer who was always available throughout the process and always went over and beyond. I briefly worked with Gabriel and Christian who also stepped in when needed. I always felt support and everything was explained thoroughly. As a realtor myself having an efficient team is a must!!! Nicolas and Jennifer stayed on top of all emails from all parties of the transaction and was always available via text. I will definitely refer them to my future homebuyers!!
Customer Story
Rate Leaf Customer Rating

Rate Leaf is a great example of family owned local small business

Rate Leaf is a great example of family owned local small business that is catering to their community. They are all knowledgeable, friendly and readily available for your questions and requests. Nicolas, Gabriel, Franz and Jason were very helpful throughout the loan process.  They were literally a phone call, text or email away. They always responded ASAP or the latest within 24 hours. I believe they genuinely had my family's best interests at heart. While I hope this is my forever home, if I buy again in  the future, I will definitely do business with them again.
Customer Story
Rate Leaf Customer Rating

The experience in the process for my loan has been outstanding

The experience in the process for my loan has been outstanding from the beginning to the end, I had given up to buy my house in this country, I was with other lenders who did not make my dream a reality, my realtor recommended Luis Felipe Leal who worked with an admirable dedication, he was always in the process, he received all my calls at any time and he always looked for a solution.  His advice and his attitude made the process and every detail go smoothly, I feel very happy to have found the right hands.  They certainly make dreams come true.  my respects!!  thank you!
Customer Story
Rate Leaf Customer Rating

Nicolas and Gabriel were an Exceptional team to work with

Nicolas and Gabriel were an Exceptional team to work with.  An offer came through on my listing with VERY tight timelines (Clear to close in 19 days on an FHA deal) I called Nicolas and he promised to deliver what he said plus provide Excellent Communication, which in fact he did, even from overseas! Gabriel answered any phone calls I made and answered any questions I had immediately which made this a really enjoyable experience.  They ended up giving us a Clear to Close in 16 days start to finish. These guys are top notch!
david
7 months ago
Customer Story
Rate Leaf Customer Rating

Rate Leaf to every and anyone looking for a mortgage broker

Nick and the entire team at Rate Leaf are some the most professional and responsive individuals I have ever worked with. They were eager to help and sought the best options for me. Buying a home can be a very stressful process, but this team made me feel at ease and I am confident in saying that they worked on my behalf. I would recommend Rate Leaf to every and anyone looking for a mortgage broker. They’re simply the best.
Kerian
a year ago
Customer Story
Rate Leaf Customer Rating

Gabriel was our shinning star that guided us through everything!

As first time homebuyers who knew nothing about the market or how things worked, Gabriel was our shinning star that guided us through everything! It took a few months but he never gave up on us, was always a text or phone call away and explained everything even when I asked about it 5x before. He did everything he could to get our family into our first home. We really appreciate him and his entire team, Christian & Nicolas and recommend them to anyone. They came highly recommended to us and we will continue to recommend them to others. Thank you RateLeaf & staff!
kerry
10 months ago
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The MORTGAGE DIET

Latest insights from The Mortgage Diet

Questions

Frequently asked questions

Get answers to all questions you have and boost your knowledge on the home loan process.
How do I pre-qualify myself to apply for a Mortgage?
Mortgage FAQ

We can help with your pre-approval. This will help you stand out in this competitive real estate market. To make sure we provide you with the most accurate and fast pre-approval letter. We need the following information.

Tax returns and W-2 forms from the most recent two years.
Bank/asset statements from the most recent two months.
Paystubs from the last 30 days.
Valid photo ID.

But remember, by furnishing any and/or all of this documentation, you are in no way obligated to accept the terms and conditions of the mortgage offered, nor do you have to provide these documents to receive an estimate on the loan qualified for.

When does it make sense to refinance my home?
Mortgage FAQ

Mortgage refinancing can provide a number of benefits. These will vary from borrower to borrower, depending on what you are looking to achieve. But a refinance will generally provide one or more of these benefits such as better rate, lowering your monthly payments and shortening your loan length and many more benefits.

A better mortgage rate

This may be the most common reason for refinancing. If mortgage rates have fallen since you took out the loan, you can often save money by refinancing your mortgage into a new home loan at current rates. Or perhaps your credit situation has improved, so you're eligible for a lower rate.

Lower monthly payments

With a lower interest rate, you can get lower monthly payments as well, particularly if your refinanced mortgage has the same payoff date as your old home loan. You can also lower your monthly mortgage payments by extending your payoff date past what it currently is, so you're paying less in principle each month.

More predictable costs

If you currently have an ARM (adjustable-rate mortgage), you may choose to refinance to a fixed-rate loan to lock in your rate for the remainder of your mortgage. That way, you don't have to worry about your monthly payments increasing if rates should rise.

Shorten your term

Many borrowers start out with a 30-year home loan, then refinance to a 15-year fixed-rate mortgage after a few years. This allows them to pay the mortgage off faster and save a lot of money in interest over the life of the loan. Mortgage rates on 15-year loans are also significantly lower than on 30-year mortgages, so you may be able to shorten your term without a big increase in your monthly mortgage payment.

Borrow money

With a cash-out refinance, you can borrow against your home equity to obtain funds for any purpose. You receive a check at closing, the amount of which is added onto the mortgage principle you owe. Since mortgage rates tend to be lower than other types of debt and tax-deductible as well, it can be a very cost-efficient way to borrow.

Consolidate debts

You can use a cash-out refinance to pay off other debts to save money on interest and reduce your total monthly payments. Mortgage rates are usually lower than the interest rates paid on credit cards and other unsecured debt, so you save on interest payments.

Mortgages can also be repaid over longer terms than most other types of debt, up to 30 years, so you can reduce your monthly payments against debt principle, if that's your goal.Interest paid on mortgages and home equity loans is also tax-deductible, up to certain limits, whereas interest paid on other debts usually is not. Couples can deduct the interest paid on up to $100,000 obtained through a cash-out refinance for debt consolidation; for single persons the limit is $50,000.

Cancel mortgage insurance

If you have lender-paid mortgage insurance, you can refinance once you reach 20 percent equity to eliminate the premium that's built into your interest rate. The same also applies to certain FHA home loans that require mortgage insurance for the life of the loan.

Remove a person from a mortgage

There are times, usually after a divorce, when someone who originally signed onto a mortgage is no longer to be held financially responsible for the loan. The only way to get them off the mortgage is by refinancing. This can also be used to remove the name of a co-signer whose support is no longer necessary and wishes to be freed of liability.

How to prevent issues that could delay my pre-approved loan from being finalized?
Mortgage FAQ

Do not apply for a new credit card, auto loan, or other types of credit.
Do not co-sign a loan with someone.
Try to avoid changing jobs, become self-employed, or quit your job.
Do not skip payments on existing credit accounts, utility bills, or loans.
Delay charging up your existing credit on big-ticket items, like furnishings for your upcoming new house.

If you think any of these don’ts are musts, talk to your loan officer before you take action. They can help you figure out what to do so that your mortgage loan is the least negatively affected.

*Avoiding these actions before and during the financing process and this can prevent any unnecessary confusion.

What is a Income and Debt ratio (DTI)?
Mortgage FAQ

Income ratio: Your total monthly housing expense divided by your pre-tax monthly income.
Debt ratio: Your total monthly housing expense plus any recurring debts, i.e., car payments, monthly minimum credit card payments, and other loan payments, divided by your monthly income.

Standard loan underwriting guidelines suggest a max 28 percent income ratio and 36 percent debt ratio, which may vary based on personal finances, loan program, and down payment.While not taking on any debt and paying for everything with cash seems like a logical choice if you feel you can’t afford your lifestyle, no credit also means bad credit in the eyes of a lender.

There’s bound to be a time when you can’t buy something with cash, like buying a house (in most cases). So, we recommend opening different types of credits such as car note or multiple credit cards and making an occasional purchase now and again on them.

To manage your debta keep credit card balances to less than 30 percent of your credit limit. Also, don’t close long-term credit lines, even if they’re not being used. Your longest-standing credit card account might be a huge contributor to your credit score health — and the mortgage rate you qualify for.