Rate Direct

Direct pricing. Transparent rates. Zero hassle.

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For Financial Advisors

Better mortgage answers for your clients

Live wholesale pricing and planning tools for advisors whose clients carry mortgages. No lead-capture gates, no retail markup, no marketing pitch when you send a client over.

Tool

Refi Opportunity Scanner

Show clients in seconds what their refi could save them, sourced from hundreds of wholesale lenders.

Tool

Sweep HELOC Estimator

Model the all-in-one mortgage strategy for cash-heavy clients.

Tool

Strategy Comparator

Three-way side-by-side: pay down vs invest vs sweep HELOC. Balanced, no winner declared.

Analysis

When Keeping 3.5% Costs More

The low-rate trap: clients carrying high-APR card debt alongside a low first mortgage. Includes calculator.

Tool

Live Pricer

Same wholesale rates without the lead-gen forms.

Why advisors use Rate Direct

  • Live wholesale rates, not retail quotes. Pricing pulled from hundreds of wholesale lenders on demand. The number your client sees is the number they can lock.
  • No lead capture required to see results. Your clients can run a scenario without handing over an email, phone, or SSN.
  • Transparent quoting standard. Our 1% origination is a stated line item, not built into the rate. Lender fees are itemized in the pricing table.
  • NMLS-licensed broker. Operated by Jennifer Kirby, NMLS# 2672337. Full agency and non-QM coverage including jumbo, asset-qualifying, and bank-statement programs.

How referrals work

Advisors share the URL or send a short client introduction by email. From there it is a standard licensed broker workflow. There are no paid referral arrangements and no revenue-share agreements, which keeps the relationship compliance-friendly for fee-only fiduciaries. The objective is simply to give your client honest pricing and a clean process.

Advisor inquiries

For practice-level questions, introductions, or to discuss a specific client scenario, email info@ratedirect.net. Same-day responses during business hours.

Jennifer Kirby, NMLS# 2672337. Loan Factory Inc, NMLS# 320841. Equal Housing Opportunity. Not a commitment to lend.

Have a term sheet or loan estimate?

Upload a competing offer. We'll show you what we can save you.

Backed by a $2,000 Best Price Guarantee. Terms

Not ready to apply?

No pressure. Reach out with your scenario and we'll get back to you with a same-day response.

Jennifer Kirby

Rate Direct is run by Jennifer Kirby. Every loan is originated personally through Loan Factory Inc. Every email, text, and call comes from us directly, and we never sell your information.

NMLS# 2672337 Loan Factory Inc., NMLS# 320841

jennifer@ratedirect.netjennifer.kirby@loanfactory.com

Backed by Loan Factory's $2,000 Best Price Guarantee

Find a lower rate elsewhere? We'll beat it or pay you $2,000. Send your competing Loan Estimate and we'll return a side-by-side comparison the same day.

Upload competing offerSee guarantee terms