Direct Rate will design a mortgage to fit your needs

Welcome to Direct Rate, where securing your dream home is made simple and stress-free. Our dedicated team tailors mortgage solutions for every scenario, ensuring a personalized experience on your journey to homeownership.

Quick and Streamlined

Stress Free Process

Available 24/7

Quick and Streamlined

Stress Free Process

Available 24/7

Our Story

Dreams Ascend: Direct Rate Soars Towards New Horizons

Our story is a testament to the boundless power of dreams and the vital role we play in turning aspirations into tangible accomplishments. We embarked on this journey with a vision, vision to empower individuals to chase their homeownership dreams with full confidence.

Our commitment to transparency, efficiency, and unwavering support has made Direct Rate LLC’s a trusted partner for dreamers. In every loan, we see an opportunity to make a dream come true. We are the catalyst, the fuel that propels your dreams forward. Welcome to Direct Rate LLC, where we’re not just in the business of lending, but in the business of making dreams a reality.

Dream Realization -Aspire with Confidence

Transparency -Clear Financial Insight

Efficiency -Quick & Easy

Unwavering Support -Trusted Partner

We Transform Your Dreams into Realities

Allow our seasoned team of local loan officers to lead you through the purchasing or refinancing process with speed, efficiency, and assurance.

1. New home purchase

2. Save money by refinancing

3. Upgrade your home

4. Purchase an investment property

5. Get a cash out refinance

Our Features

Tailored Loan Solutions

Conventional loans

Traditional financing, versatile options, your path to homeownership.

FHA Loans

Tailoring Home Loans for Diverse Needs, with Accessibility and Low Down Payments.

VA Loans

For veterans, military perks, a home with honor and benefits.

Jumbo Loans

Invest in Luxury Real Estate with Our Tailored Financing Options.


Affordable and Flexible Loans to Embrace Rural Living's Natural Beauty.

Non QM Mortgages

Explore alternative loan options beyond traditional mortgages.

Loan Approval Process

Purchase Process



An initial evaluation to determine a qualifying amount, we'll promptly provide you and your realtor with a pre-qualification letter, giving you the greenlight to go shop.


Loan Application

Pull your credit, complete your application, submit required documents, and relax as Direct Rate initiates the loan process, making it hassle-free.


Processing and Underwriting

In this phase, we're preparing your file for closing, verifying documents, and the loan officer will keep you updated on your loan status.


Close & Get Your Keys

The title company will arrange a convenient time for you to sign the closing documents and receive the keys to your new home.

Customers Testimonial

Client Insights and Opinions

Thang Long Ha
Thang Long Ha
Knowing Mr. Mark and his team had been a great fortune when they reached out and offered help. From finding a lender, preparing documents quickly, patiently explaining the process and the reasons when problems arrive, finding the solutions in the blink of an eye, and even salvaging the situation when the seller and title company make mistakes. I wouldn't have been able to buy the dream house without their assistance. Their responsiveness, always answering my texts and calls, despite the 18-hour difference in time zone due to my status of being stationed overseas, made me feel supported and confident. Thank Mr. Mark, his team, and Direct Rate for making this happen.
Leticia Herrera
Leticia Herrera
My journey toward buying a home wasn’t easy, but I got through it with great success because I had the awesome team at Direct Rate Mortgage by my side. They have been one of the most diligently communicative professionals I’ve ever worked with. Buying a home in this market can so complicated but, they walked me through the entire home buying process, from start to finish. They were available at the drop of a hat whenever I had concerns and kept me updated every step of the way. They kept me informed and confident while navigating this major milestone and treated us like family! Ponch was the best loan officer I’ve ever worked with! He helped me get a lower payment and a lower interest rate. Missy, our realtor is amazing! She is friendly, patient, a good listener and worked extremely hard in helping me find my new home. To: Ponch, Missy, Cory and Alfonso! from the bottom of my heart, thank you for all the hard work you put in for me over these past few months with the purchase of my new home. I couldn’t have done it without you, I am endlessly grateful for all your effort, dedication, guidance and expertise. I’m so blessed to have the Bafidis family, winning team, by my side!
krystal porras
krystal porras
Being a first time home owner, I would like to high recommend Loan Officer Mark Reyes from Direct Rate! He was super knowledgeable and answered all questions I had and goes above and beyond for his clients! You won’t find a better man for this job, we felt confident and well informed every step of the way, Mark is the person your looking for if your seeking a dedicated and effective real estate partner!
Samuel Alcantar
Samuel Alcantar
Our Loan Officer was Andrea Garcia, she is very knowledgeable, helpful, kind and very responsive. She made our experience fast and smooth! Very satisfied and will 100% recommend!
Cassie Jennings
Cassie Jennings
Direct Rate was incredible to work with from start to finish! With being first time home buyers, we had a lot to learn and they explained everything so clearly and made us comfortable with the entire process! Thank you Alfonso!
Tanner Jennings
Tanner Jennings
For anyone looking to buy or refinance a house, look no further than Direct Rate. The team was there for us from the start, and walked my wife and I through the entire home-buying process for our first time. Alfonso was especially helpful, always reaching out to my wife and I and giving us updates on the different stages we were in. The Bafidis family is, in our opinion, one of the best and most trustworthy families you could ever meet. We wouldn’t change a thing about our home buying experience with them, and highly recommend Direct Rate to anyone and everyone!
Chloe Mae Beasley
Chloe Mae Beasley
Andrea Garcia was hands down one of the best lenders I have had the pleasure of working alongside with! She went above and beyond for our clients, maintained great communication, and was quick to respond to any inquiries! 10/10!
Josh McReynolds
Josh McReynolds
Excellent service, our loan officer Scott was kind, quick to respond, and made my wife and I feel like we were talking to a friend. Would highly recommend.