Jacob Oakley at Rate (NMLS #1714543)

Nick Arehart 

on Zillow

a week ago

Jake was professional, easy to reach, fought for my business by beating competing offers from other lenders, and took more time than anyone else to explain the details of the financing process to me. I’d wholeheartedly recommend Jake to anyone looking for financing on a home in Chicago. 

Paul Tokar 

on Zillow

a month ago

Jake always took the time to answer my questions and walk me through the numbers step-by-step. My particular situation had a lot going on in determining how to use my seller’s credits. Jake was able to provide me all my options and run me through all the possibilities. He was very responsive and extremely helpful 

Eduardo Flores 

on Zillow

a month ago

Jacob was by far one of the best lenders I worked with throughout the entire homebuying process. I encountered several roadblocks with other lenders, where minor setbacks became dealbreakers for them. That was never the case with Jacob - he remained solution-focused and committed from start to finish. Anytime I had questions, he was responsive, helpful, and always willing to guide me through. Truly a great experience working with him! 

Simone Hines 

on Zillow

a month ago

Jake from Rate was a pleasure to work with! He was extremely knowledgeable and friendly, and he made the entire lending process smooth and stress-free. Jake was very thorough and kept me informed every step of the way. His team was also fantastic—professional, responsive, and helpful. I truly felt supported throughout the process. I highly recommend Jake if you’re looking for a top-notch lender! 

smswislow 

on Zillow

2 months ago

We couldn't have bought our first home without Jake. He was always available to answer every question we had about the lending and closing processes. Jake also helped navigate an incredibly challenging deal to get us to the finish line despite time pressure from the seller's side. We are so thankful for Jake's expertise and would highly recommend him to anybody looking for a lender!! 

Edna Sales 

on Zillow

2 months ago

My journey with Jacob began in Jun 2024. I was really impressed with him. He took the time to walk me through the whole process even though I was only shopping and gathering all the info before making the decision to buy. He was constantly following up with me and that was comforting knowing that I could always reach out to him with any doubts. I finally decided to proceed in February 2025. In all, he was there through the whole process, even at the last minute which was very crucial for the closing costs. Overall he made th... read more

María Cerna 

on Zillow

3 months ago

My husband and I would like to Thank Jake for the experienced guidance he provided us during our mortgage lender journey. Jake was always prompt in returning our calls, and very patient in answering all of our many questions. His professional yet friendly demeanor led to the trust we felt in working with him. We would highly recommend Jake to Family and Friends. 

Megan Zhan 

on Zillow

3 months ago

Jake is amazing. He is very nice, thoughtful, and responsible! He is the one who put himself in his client’s shoes, thinking their needs, and always answers questions immediately. Highly recommended! 

melissalopezduarte 

on Zillow

a year ago

Jacob and his team were great to work with. It is their collaborative and flexible customer service approach that made our house closing process a lot easier than expected. We managed to close on time due to his team’s scheduled touch-points and clear asks.