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Start Pre-Approval

Buying a home is a competitive process, but there is one way to give yourself an advantage, by getting a pre-approval letter and a verified DU® .

Pre-approval letters and DU® certify that you qualify to buy a home within a set price range. Once that's done, you can start shopping for a home.

Please fill the form below to begin the pre-approval application.

family buying a home
Customer Story

"Outstanding customer service!!"

I had the chance to work with Nicolas and Krystal, Rate Leaf for the purchase of my first property.Despite my complicated file, my 100 of questions (calls and emails), she provided an outstanding customer service. She was very quick to answer my phone calls and emails. She was very patience with me in regards to additional documents, etc.At each step of the process, I received an email with all information needed and what to expect next.I felt supported. It is a very stressful process and I never felt like they were tired of me... Their level of professionalism and knowledge is outstanding.I highly recommend Rate Leaf and I thank Krystal  and the rest of the team for everything!

⭐️ ⭐️⭐️⭐️⭐️

Customer Story
Rate Leaf Reviews

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 Reviews

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 Reviews

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 Review

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 Mortgage Reviews

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 Mortgage Reviews

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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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.