Rate Direct is a transparent mortgage-pricing tool operated by Jennifer Kirby, a licensed mortgage broker (NMLS# 2672337). It exists to solve one problem: most borrowers can't see live wholesale rates without handing over personal information to a lender who then shops the loan to a handful of investors and marks up the rate. Rate Direct pulls live pricing from hundreds of wholesale lenders simultaneously and shows you the lowest rate available for your scenario - no personal information required to see the number.

How Rate Direct Works

Every rate on this site comes from the same wholesale pricing engines that licensed mortgage originators use when pricing loans for clients. No origination fee is built into the displayed rates; actual lender fees are listed in the pricing table. You enter your scenario (FICO, loan amount, property type, state), the system queries hundreds of lenders, and the results are sorted by rate so you see the best available pricing at the top.

Loan Products

Rate Direct covers the full agency and non-QM spectrum: conventional, FHA, VA, USDA, DSCR investment loans, bank statement, asset-qualifying, 1099-income, construction-to-perm, and down payment assistance programs. If you can get a mortgage for it, Rate Direct can price it.

Editorial Approach

All guides in the Learn section are written with a focus on practical accuracy - the numbers and rules that actually govern loan approval, not marketing. Where guidelines change by year (loan limits, FHA MIP, VA funding fees), articles are reviewed and updated to reflect current figures. Each article carries a "Last updated" date and links back to the original source (HUD, Fannie Mae, Freddie Mac, VA) where appropriate.

Licensing & Compliance

NMLS# 2672337. This site is informational and not an offer to lend. Rate availability and final terms depend on underwriting approval. Rate Direct sources rates from wholesale lenders; final lender selection depends on your specific scenario and property. All applicants receive equal consideration in accordance with fair lending laws.

Contact

Email info@ratedirect.net with questions or to start an application. Same-day responses during business hours.