Jon Soto at Rate (NMLS #1869835)

Aiya Marcelle 

on Zillow

2 days ago

My realtor, Josef, referred me to Jon Soto at Rate.com, and I’ll be honest—I was a bit hesitant about switching home banking at first. But after speaking with Jon and hearing his recommendations, along with the trust I had in my realtor, I quickly felt confident that I was in good hands. From start to finish, Jon and his team—Anntennille and Lilian—were absolutely amazing. Everyone was professional, responsive, and always ready to assist. Jon was especially great at staying on top of communication—my texts were answered prom... read more

Ralph Garcia 

on Zillow

2 weeks ago

Jon was an exceptional from start to finish. He was extremely knowledgeable, responsive, and patient throughout the entire process. He took the time to clearly explain every step, answered all of our questions promptly, and made what can be a stressful experience feel smooth and manageable. Jon went above and beyond to ensure we had the best options available and always had our best interests in mind. His professionalism, attention to detail, and genuine care truly set him apart. We always felt informed, supported, and confi... read more

Alejandro Sanchez 

on Zillow

3 weeks ago

Jon Soto helped us secure our first home on a very tight timeline. Clear communication, efficient process, and he got the loan done. Highly recommend. 

Kobe E. 

on Zillow

4 weeks ago

Jon was an exceptional mortgage loan officer from start to finish. As a first-time buyer, I really appreciated his clear communication, responsiveness, and attention to detail. He kept everything on track through closing and made the process smooth and stress-free. I highly recommend Jon to anyone looking for a reliable, knowledgeable loan officer. 

Nii Odoi 

on Zillow

a month ago

Highly recommended! On December 31, 2025, we closed on our first home, and this would not have been possible without Jon.he is Professional, patient, and truly supportive from start to finish. He made the process smooth and stress-free. We’re incredibly grateful and highly recommend him to anyone looking to make their homeownership dream a reality. 

Enith 

on Zillow

3 months ago

Working with Jonathan was truly the best part of my first home-buying experience. As a first-time buyer, I had a million questions and a lot of anxiety, but he walked me through every step with so much patience and clarity. He always took the time to explain things in detail, made sure I understood all my options, and never made me feel rushed or confused. Jonathan was extremely responsive whether it was a quick email or a phone call. He helped me understand exactly what I qualified for, and guided me through each document. ... read more

Riya Walia 

on Zillow

4 months ago

Jon and his team helped us with the refinance of our investment property, and the entire process from start to finish was incredibly smooth. They maintained excellent communication with us every step of the way and made everything easy to understand. I would highly recommend working with them for all your lending needs truly a great and professional team! 

Rodney 

on Zillow

4 months ago

I had a great experience working with Jon. The whole process seemed very seamless from the moment we started until we got the clear to close. I’ll recommend Jon 10/10 

Refinance with ease! 

on Zillow

4 months ago

Jonathan did it yet again. As always the quality of service never ceases to amaze me. He was response and helpful from beginning to end. He answered every question I had and made it happen although other lenders told me no. Working with him is a no brainer.