Low Rates, Quick Approvals & Personalized Mortgage Solutions
Competitive Interest Rates: We secure the best rates to lower your monthly payments.
Fast & Easy Pre-Approval: Get pre-approved quickly so you can shop with confidence.
Low or No Down Payment Options: FHA, VA, and other flexible programs available.
Streamlined Process: Our experts handle the paperwork for a hassle-free experience.
Credit-Friendly Loan Options: Solutions for all credit profiles, including first-time buyers.
Low Closing Costs: We help you save more with better terms and lender credits.
Find Your Perfect Mortgage Match – Let’s Get Started!
Start with our Mortgage Approval Tool!
Start with our Mortgage Approval Tool!
Home Purchase
Ready to buy? Get pre-approved in minutes and secure competitive rates tailored to your budget. Whether you’re a first-time buyer or upgrading, we’ll help you close faster.
Home Refinance
Slash your monthly payments or tap into your equity with flexible refinancing options. Rate-and-term, cash-out, or FHA streamline—we’ve got your best deal.
Home Equity
Need funds for renovations, debt consolidation, or emergencies? Access up to 90% of your home’s value with low rates and tax-deductible interest
Reverse
Age 62+? Keep ownership, stay in your home, and access tax-free cash. No monthly payments required—ever. FHA-insured and risk-free.
Largest Mortgage Network in Florida & Texas
See What Our Clients Say About Us!
Mortgage Loan Types For All Incomes & Credit
Traditional Mortgage Loans
RateShop Mortgage
– FHA LOAN
Whether you're a first-time homebuyer
or looking to refinance, an FHA loan
offers a pathway to homeownership. Explore the possibilities and start your journey today.
RateShop Mortgage –
CONVENTIONAL Loan
With flexible down payment options and customizable terms, a conventional loan can be tailored to meet your needs. Discover its advantages and move closer to your
dream home.
RateShop Mortgage
– VA LOAN
Secure your dream home with a
VA loan and enjoy its unique
financial advantages.
RateShop Mortgage
– USDA Loan
Discover how this government
-backed USDA loan can help
you achieve homeownership
in eligible rural areas.
RateShop Mortgage
– FHA Loan
Whether you're a first-time homebuyer
or looking to refinance, an FHA loan
offers a pathway to homeownership. Explore the possibilities and start your journey today.
RateShop Mortgage –
Conventional Loan
With flexible down payment options and customizable terms, a conventional loan can be tailored to meet your needs. Discover its advantages and move closer to your dream home.
RateShop Mortgage
– VA Loan
Secure your dream home with a
VA loan and enjoy its unique
financial advantages.
RateShop Mortgage
– USDA Loan
Discover how this government
-backed USDA loan can help
you achieve homeownership
in eligible rural areas.
Non-QM Loans
Flexible Mortgage Solutions for Unique Financial Situations
DSCR Loans (Non-QM)
With a focus on the property's ability to generate sufficient income to cover debt payments, DSCR loans offer flexibility and competitive terms. Explore this specialized loan option and secure the financing you need for your commercial property investment.
P & L Loans (Non-QM)
Whether you need funds for expansion, equipment purchases, or working capital, discover how a Profit and Loss (P&L)
loan can fuel your business growth.
Bank Statement Loans (Non-QM)
With flexible qualification criteria and competitive
rates, Bank Statement Loans offer an alternative
solution for borrowers who may not qualify for conventional loans.
1099 Loans (Non-QM)
With flexible qualification criteria and tailored terms, a 1099 loan offers an opportunity for individuals with non-traditional income sources to secure the financing they need.
Asset Utilization Loans (Non-QM)
Explore the benefits of Asset Utilization Loans and learn how they can help your business achieve optimal performance and success.
Foreign National Loans (Non-QM)
With flexible qualification criteria and specialized terms, Foreign National Loans are designed to meet the unique needs of international buyers.
No Income Loan (Non-QM)
For those who are self-employed, have irregular income, or rely on non-traditional sources, a No Income Loan offers flexible financing without the need for traditional income verification—providing easy access to the funds you need.
Non-QM Loans
Flexible Mortgage Solutions for Unique Financial Situations
DSCR Loans (Non-QM)
With a focus on the property's ability to generate sufficient income to cover debt payments, DSCR loans offer flexibility and competitive terms. Explore this specialized loan option and secure the financing you need for your commercial property investment.
P & L Loans (Non-QM)
Whether you need funds for expansion, equipment purchases, or working capital, discover how a Profit and Loss (P&L)
loan can fuel your business growth.
Bank Statement Loans (Non-QM)
With flexible qualification criteria and competitive rates, Bank Statement
Loans offer an alternative solution
for borrowers who may not qualify
for conventional loans.
1099 Loans (Non-QM)
With flexible qualification criteria and tailored terms, a 1099 loan offers an opportunity for individuals with non-traditional income
sources to secure the financing they need.
Asset Utilization Loans (Non-QM)
Explore the benefits of Asset Utilization Loans and learn how they can help your business achieve optimal performance and success.
Foreign National Loans (Non-QM)
With flexible qualification criteria and specialized terms, Foreign National Loans are designed to meet the unique needs of international buyers.
No Income Loan (Non-QM)
For those who are self-employed, have irregular income, or rely on non-traditional sources, a No Income Loan offers flexible financing without the need for traditional income verification—providing easy access to the funds you need.
Pre-approval & quick qualification
Get approved in minutes,
not days!
STEP 1
Quick 5 Minute Application
Start Your Application
Create Your Profile
Request a Mortgage
Schedule Closing
STEP 2
Fast & Easy Document Collection
Upload Your Docs
Compare Your offers
Review Your Terms
Booking a Meeting with LO
STEP 3
Quick 5 Minute Application
Finalize Your Offer
Sign off Approval Docs
Get Funding Ready
Go into Escrow
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Solutions
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Process
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RateShop Mortgage LLC is a licensed mortgage broker in FL and TX.
In accordance with federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract), nor do we discriminate because any part of your income is derived from public assistance programs, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580, is the federal agency responsible for administering these laws.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705
TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
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