Welcome to Direct Rate.
We Make
Mortgages Simple.
About our company
Get to Know Direct Rate
Direct Rate is headquartered in San Antonio, Texas, built around a simple belief: mortgage guidance should be clear, honest, and stress-free — not confusing, salesy, or full of surprises.
Our team helps buyers and homeowners navigate the loan process with a strategy-first approach. That means we don’t just “quote a rate.” We help you understand the true monthly payment, how the loan fits your goals, and what path makes the most sense long-term — whether that’s a conventional loan, FHA, VA, jumbo, refinance, or renovation financing.
What makes Direct Rate different:
- Clarity over confusion: We explain the numbers so you can decide with confidence.
- Real humans, real accountability: You can reach a specialist when you need one.
- Guidance from start to finish: Pre-approval → offer → underwriting → closing.
- Options + honesty: If a loan doesn’t fit your situation, we’ll tell you
Mission & Vision
What is main approach behind our service & achievements.
With our team of dedicated professionals, we offer speedy approvals and a hassle-free route to securing a low rate. Honesty, reliability, and transparency are at the core of our values, and we treat every client with the utmost respect. Our approachable team is available 24/7 to answer your questions and provide support whenever you need it.
Choose Direct Rate for a mortgage experience that prioritizes your needs and helps you achieve your homeownership dreams with confidence and ease.
Real Stories. Real Results.
Trusted by homeowners who value speed, clarity, and a smooth closing.
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“My experience made buying my first house so much easier. I highly recommend this service if you’re looking to purchase a home.”
Diego Arroyo
4.9/5 -
“Great company, I got to meet the owner and a few managers. Arlex was awesome, very informative and helpful. I highly recommend you.”
Gabriel Valdez
5 -
“My partner & I are officially first-time homeowners & we truly couldn’t have done it without the incredible team at Direct Rate!”
Samantha Butler
5 -
“Although we are not quite ready to purchase a home, we found Scott to be a most reliable source and he provided a wealth of information.”
Rodney Yates
5 -
“By far the best home buying experience. We worked with Donna, Cynthia, and Cory and they took great care of us.”
Jeremiah Gilliam
5 -
“Shout out to Luly and Belinda for accomplishing the impossible for me! They went to bat for me on multiple occasions.”
Scarlett Towery
5 -
The time and attention taken by John and Belinda to get me approved on my contract and to closing on time was awesome. When they told me they would get back to me through this process they did no matter what the time there was no five-O-clock and quit. Great experience.
Mario Castillo
5 -
“Wow! What a truly amazing company. Mark and Belinda were awesome and stayed in constant contact with me.”
Kevin H
4.9/5
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Mark Reyes was incredible to work with! He made the whole mortgage process smooth and stress-free. He always answered my questions quickly, explained everything clearly, and made sure I felt confident every step of the way. I highly recommend Mark to anyone buying a home — he truly cares about his clients!
Yamilex Nieto
5 -
Dream Home Achieved Thanks to an Incredible Team! Buying a home is never simple, and my journey definitely had a few bumps in the road, but thanks to the amazing team at Direct Rate, I’m now settled into my dream home.
Elizabeth Mull
5 -
Working with Mark Reyes at Direct Rate was such a great experience! He was very helpful, always available to answer my questions, and explained everything clearly. Mark made the whole process of buying a home smooth and easy, which really took away a lot of the stress. I truly appreciate his guidance and support I highly recommend him to anyone looking to buy a home!
Heidi Jimenez
5 -
Cynthia Garza and Jo Ann Hernandez at DirectRate were absolutely awesome to work with during our homebuying process! They had no problems answering my many questions and were always patient and kind. They clearly explained what was needed from my end and responded quickly any time we had questions. They made the whole experience smooth, stress-free, and exciting! I highly recommend working with them and the team at DirectRate! They were truly a blessing to work with.
Michael Welch
5 -
My experience made buying my first house so much easier. I highly recommend this service if you’re looking to purchase a home. Sarah went above and beyond, paying attention to all the details to ensure I received the best contract possible. Thank you!
Diego Arroyo
5 -
Wow! What can i say! What a truly amazing company. Mark and Belinda were awesome. They were in constant contact with me. Made the process run so smoothly. Highly recommend Direct Rate. You are in great hands. Truly remarkable.
Kevin H
5 -
I recently purchased my first home with the help of Mark Reyes and Belinda from Direct Rate, and I couldn’t be happier with the experience. From the initial consultation to closing day, they were professional, responsive and guided us through the process . It was smooth, and they walked me through every step, making what could have been a stressful experience feel manageable and even exciting. I highly recommend them to anyone looking to buy a home.You are in great hands. Truly remarkable.
Jorge Manjarrez
5
Any Inquiry — We’re Here to Help
Get in touch and speak with a licensed mortgage specialist.
