1RATE.COM review summary

5  215
4  
3  
2  
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5.0
215 reviews
5on Google, Jan 31, 2023
Chris at 1rate was extremely helpful throughout the process. He was always responsive and made sure I understood every step of the process as a first time homebuyer. Highly recommended, highly professional team of people who will get creative to take care of your loan to your advantage. more »
Business Response:
Hi, Hwevin. Thanks for taking the time to share your positive experience. We truly appreciate it!
5on Google, Jan 31, 2023
David&Team helped us get our first home. The process lasted three years and they were there with us throughout the entire process- from answering questions to providing timely updates even when they are off work. Not only are they very competent and knowledgeable, but they are also very professional. We couldn’t have asked for a better mortgage broker . We felt like they had our best interests. David’s mantra is “there’s always a way to make things work” no matter how complicated the situation was. Roya & Edwards were also extremely helpful during the entire process. 1Rate ROCKS more »
Business Response:
Thank you so much for your kind words, Momo. We really appreciate you taking the time out to share your experience with us. Cheers, 1RATE.COM
5on Zillow, Jan 31, 2023
Roya helped us through the 3 year process during our house hunting. She was very quick at responding to emails and answering questions. She made her available even during non-normal hours . Not only was she competent , she was also very professional throughout the process.
Thank you Roya & team for helping us.
more »
5on Google, Dec 07, 2022
1Rate helped me and my partner--first time home buyers--with a traditional mortgage. They were very responsive, answered all our questions, and got us a great rate. We were able to move through settlement remarkably fast and they never had a delay on their end. I would go with 1Rate as my mortgage lender again. more »
Business Response:
Thank you so much for your kind words, Val. We really appreciate you taking the time out to share your experience with us. Cheers, 1RATE.COM
5on Google, Nov 09, 2022
more »
Business Response:
Thank you for the wonderful rating Matthew . We appreciate you taking the time out for us.
5on Zillow, Oct 13, 2022
This was my second purchase of a home with Roya's help. I felt like both times Roya had my best interest in mind and truly cared. The communication was great, always quick to answer any questions and let us know anything that was missing. I would 100% recommend her to anyone! more »
5on Zillow, Sep 01, 2022
We worked with Roya for our townhome purchase. Roya was incredibly quick to respond, knowledgeable about loan options, and worked with us to find a really competitive quote. After we decided to work with Roya and 1rate, she kept us on track with documentation needs and answered the many questions I had on the process, costs, and documentation. I would highly recommend her if you want someone who is available, knowledgeable, and competitive with other lenders. more »
5on Zillow, Aug 25, 2022
Andrew worked with me diligently and made this painful process of getting approved, PAINLESS! He was both the Master & the Jack of all Trades when it came to compassion and understanding. When things did not go smooth at one time, he made sure he SMOOTHED things out! I was overall impressed with his level of professionalism and therefore, I would highly recommend 1Rate to other people. more »
Business Response:
Dr. Edwards, thank you for your kind words. It was a pleasure to assist and serve you in purchasing your new, beautiful home. We wish you the best. - Team 1RATE
5on Google, Jul 12, 2022
Just completed my house refinancing with Mark Moran. It was one of the most professional, informative and easy transactions I have had. Had frequent updates throughout the process.
Would recomme
nd Mark as your agent if you should ever need one. Thanks Mark. more »
Business Response:
Hi, Dale. Thanks for taking the time to share your positive experience. We truly appreciate it!
5on Google, Jun 07, 2022
This company is the best. They are very fast and accurate. Their customer service is top notch. They really do understand their client’s situation and happy to help in any possible way. Easy to communicate and prompt responses. Highly recommend. Thank you Chris and 1Rate fir making our home buying experience swift and pleasant. more »
Business Response:
Hi, Eyob. We are thrilled to learn that you had a positive experience with us!
5on Zillow, Jun 06, 2022
Roya, again, demonstrated phenomenal professionalism and market knowledge. She was able to finalize our financing in 10 days and obtain a market leading rate. Roya, in a very challenging market, was able to eliminate stress and unpredictability and uncertainty, typical of real estate transactions these days. True pleasure to work with. more »
5on Google, Jun 06, 2022
1Rate team did an excellent job supporting our purchase under challenging market conditions. Roya and Ed demonstrated great knowledge of the market, managed the entire process calmly and confidently, and guided us through every step. 1Rate's superior connections helped us complete the financing part in 10 days, leaving us with 20 days to calmly await a stress-free closing. All documents were prepared ahead of time and accurately. Interaction with our title company was smooth and orderly. It appears that, compared to other mortgage sources, we received the market leading rate. We are exceptionally grateful to Roya and Ed and the entire 1Rate team for a phenomenal, and very positive, experience. more »
Business Response:
Hi, Pavel. Thanks for taking the time to share your positive experience. We truly appreciate it!
5on Zillow, Jun 06, 2022
1Rate team did an excellent job supporting our purchase under challenging market conditions. Roya and Ed demonstrated great knowledge of the market, managed the entire process calmly and confidently, and guided us through every step. 1Rate's superior connections helped us complete the financing part in 10 days, leaving us with 20 days to calmly await a stress-free closing. All documents were prepared ahead of time and accurately. Interaction with our title company was smooth and orderly. It appears that, compared to other mortgage sources, we received the market leading rate. We are exceptionally grateful to Roya and Ed and the entire 1Rate team for a phenomenal, and very positive, experience. more »
5on Google, May 04, 2022
Thank you Mark Morant for an exceptional experience. I never would have imagined in a million years refinancing would be so easy. Mark was friendly , responsive and thorough. I couldn’t be more pleased. Did I mention he was supper responsive and super detailed in his explanations along the way. more »
Business Response:
Hi, Joseph. Thank you so much for leaving us a stellar review!
5on Zillow, Apr 29, 2022
My realtor connected me with Chris Choe, he provided me with an exceptional service since day one. Chris was very quick, responsive, organized and also caring, he went above and beyond on focussing what was best for me. He made the loan process fast and easy. I highly recommend Chris Choe to everyone out there. Thank you so much to 1Rate and Chris for the great service I was provided with, it was more than a pleasure working with you. more »
Business Response:
Carolina, thank you for your review. You are most kind. It was our pleasure assisting you with your new beautiful home. We hope you create wonderful new memories at your new home!
5on Google, Apr 25, 2022
The 1Rate team communicated with me exceptionally well throughout my first time going through the homebuying process. They were with my every step of the way.

David and his team will be m
y top recommendation moving forward. more »
Business Response:
Hi, Alex. We appreciate the kind words and are glad we could provide you with a positive experience!
5on Zillow, Apr 18, 2022
My realtor connected me to David and Roya on 1Rate team when my original Loan Officer dropped the ball on my Closing. Both David and Roya went above and beyond in making sure I was taken care of and delivered results almost immediately to ensure I would still close on time. Though, I didn't go with 1Rate team in the end, it was only because by that time the rates has risen so high, I would not have been able to afford the same house at new rates. But, with David's help, I was able to manage the process so that I had backup loan on hand and also guide my original loan officer per David's instructions so that the loan closes on time. And all this 1Rate team did as a courtesy to me without any financial benefits.
To give more perspective, my original Loan officer was not anticipating the underwriter's conditions which kept delaying the loan approval process. With closing 2 weeks away and my house contract specifying no financial contingency, I started stressing. My realtor who is a gem, introduced me to 1Rate team. 1Rate team worked on 2 fronts for me to first ensure that they get me cleared to close almost instantaneously so I could close on time. Secondly, they helped me with my current loan officer because the rates had gotten so high by this point, they wanted what was best for me without any financial incentive for them. Roya at 1Rate worked with the underwriter to get my file clear to close, where I first realized the difference between a professional at work versus what I had been dealing with. Roya reviewed my file and anticipated underwriter demands to make sure it was met prior to submitting the file. Also, 1Rate team was able to get the appraisal scheduled and done the very same day. On the other side, David reviewed my file that was being submitted with my original Loan Officer. He advised me exactly on how to submit all the documents to the underwriter so that it could be approved without any further delays.
All in all what was becoming a super stressful experience became manageable due to 1Rate team. I cannot recommend them enough for their knowledge, professionalism, punctuality and empathy. I will be recommending this team to all my connects for a no hassle stress-free experience!
more »
Business Response:
Adnan, we appreciate your endorsement! Thank you very much for your thoughtful review. It was a pleasure to serve you and share the experience of what a premium lender should be. We look forward to assisting you in the future!
5on Google, Apr 18, 2022
My realtor connected me to David and Roya on 1Rate team when my original Loan Officer dropped the ball on my Closing. Both David and Roya went above and beyond in making sure I was taken care of and delivered results almost immediately to ensure I would still close on time. Though, I didn't go with 1Rate team in the end, it was only because by that time the rates has risen so high, I would not have been able to afford the same house at new rates. But, with David's help, I was able to manage the process so that I had backup loan on hand and also guide my original loan officer per David's instructions so that the loan closes on time. And all this 1Rate team did as a courtesy to me without any financial benefits.

To give more perspective, my original Loan officer was not anticipating the underwriter's conditions which kept delaying the loan approval process. With closing 2 weeks away and my house contract specifying no financial contingency, I started stressing. My realtor who is a gem, introduced me to 1Rate team. 1Rate team worked on 2 fronts for me to first ensure that they get me cleared to close almost instantaneously so I could close on time. Secondly, they helped me with my current loan officer because the rates had gotten so high by this point, they wanted what was best for me without any financial incentive for them. Roya at 1Rate worked with the underwriter to get my file clear to close, where I first realized the difference between a professional at work versus what I had been dealing with. Roya reviewed my file and anticipated underwriter demands to make sure it was met prior to submitting the file. Also, 1Rate team was able to get the appraisal scheduled and done the very same day. On the other side, David reviewed my file that was being submitted with my original Loan Officer. He advised me exactly on how to submit all the documents to the underwriter so that it could be approved without any further delays.

All in all what was becoming a super stressful experience became manageable due to 1Rate team. I cannot recommend them enough for their knowledge, professionalism, punctuality and empathy. I will be recommending this team to all my connects for a no hassle stress-free experience!
more »
Business Response:
Thank you so much for your fantastic endorsement of our 1Rate Team. We try our best to ensure our client's needs first. Glad we met and exceeded your expectation, and thank you again for the fantastic glowing review and for recognizing our team's efforts and it was plaure working with you as well.
5on Google, Apr 15, 2022
David and his team did a fantastic job for us!! They were quick, responsive, and kind. David is extremely knowledgeable and thorough. He always made time for our calls. He helped me navigate the process from start to finish and we will only ever choose to work with him in the future! more »
Business Response:
Hi, Lisa. Thank you so much for leaving us a stellar review!
5on Google, Apr 01, 2022
Michael with 1Rate was once again a pleasure to work with. I really appreciate his detail-oriented, prompt and professional work ethic. 100% highly recommended if you want a fast, convenient and easy loan process! His customer service skills are truly 5 stars, couldn’t have asked for a better mortgage broker. more »
Business Response:
Thank you so much for your kind words, Kristina. We really appreciate you taking the time out to share your experience with us. Cheers, 1RATE.COM
5on Zillow, Apr 01, 2022
We worked with Roya and her colleague, Edward, on the purchase of our new home and couldn't be happier. She is extremely knowledgeable and not only knows the processes but goes above and beyond to make sure you completely understand everything as well. Her team is incredible in terms of communication and openness and it was a constant gentle reminder to know that they are on your side and will do everything possible to help you with your purchase. We are very appreciative of all they did and would definitely work with her and her team again in an instant! We can't recommend her enough! more »
Business Response:
Arian, thank you so much for your kind words and endorsement of our services! We're so glad to hear that your expectations were exceeded! We look forward to serving you and your friends & family in the future! Team 1RATE
5on Google, Mar 31, 2022
The service, care and commitment that we received from our team at 1RATE was beyond reproach. We were thoroughly impressed with their work ethic, personal approach, and punctuality of timelines, all of which ensured an early closing. Hands down, the best lender we've ever worked with, and we've purchased seven homes. more »
Business Response:
Hi, Steve. We are thrilled to learn that you had a positive experience with us!
5on Zillow, Mar 23, 2022
Never have I ever thought I would put in an offer and then have the house in 2 weeks. If buying a home gets any faster…… quick reply’s/ availability / knowledgeable / referable more »
Business Response:
Ruano, thank you for your review! Yes! We try to create a tangible experience through our speed. We're so happy to learn you were satisfied with our commitment to impress! Team 1RATE
5on Zillow, Feb 19, 2022
Michael & Team are the professionals you want on your side when competing in this fast paced market. Extremely prompt communication and high standards of customer service. 1RATE also had the most competitive rates and completed the financing process at a blazing pace, just make sure your title company can keep up! I could not have asked for a better experience and truly believe 1RATE is disrupting the mortgage market with a new standard of excellence. more »
5on Google, Feb 18, 2022
Michael & Team are the professionals you want on your side when competing in this fast paced market. Extremely prompt communication and high standards of customer service. 1RATE also had the most competitive rates and completed the financing process at a blazing pace, just make sure your title company can keep up! I could not have asked for a better experience and truly believe 1RATE is disrupting the mortgage market with a new standard of excellence. more »
Business Response:
Zachary, it’s our pleasure to have served through this process. Thank you so much for your kind words! We wish you the best! - Team 1RATE