Rate Direct

Direct pricing. Transparent rates. Zero hassle.

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For Real Estate Agents

A mortgage partner Realtors trust to keep deals moving

Same-day pre-approvals. Same-day responses on questions during a live contract. No fall-out from surprise overlays or junk fees at closing. Built for the agent who is tired of chasing a loan officer on a Saturday.

Tool

Live Pricer

Show clients real wholesale rates while you are sitting at the kitchen table. No lead form, no markup.

Tool

Beat My Rate

Your buyer brought in another Loan Estimate? We beat it or pay them $2,000.

Workflow

Pre-Approval Workflow

Send the buyer over. Same-day pre-approval letter, tailored to your offer.

Why agents partner with Rate Direct

  • Same-day pre-approvals. Documents in by morning, letter by afternoon. We answer the phone on weekends during active contracts.
  • No junk fees. $0 origination quoting standard. Lender fees itemized up front, no surprises on the Closing Disclosure.
  • Loan Factory backing. Operations, processing, and underwriting support from Loan Factory Inc, NMLS# 320841. Files do not sit.
  • Nationwide coverage. Licensed broker shop with the ability to price against hundreds of wholesale lenders, so the buyer is not stuck with one bank's overlay.
  • Broker, not retail bank. We price-shop hundreds of lenders for each scenario. Retail banks shop one rate sheet. The math favors the buyer here.
  • $2K Best Price Guarantee. If your buyer brings in a competing Loan Estimate we cannot beat, we pay them $2,000. Strong closing-table confidence.

How co-marketing works

Leads sent over are attributed back to the referring agent for any future transactions. There are no paid kickbacks and no revenue-share arrangements, which keeps the relationship RESPA-compliant. Standard co-marketing options are available, including jointly branded Open House flyers, branded rate-sheet handouts, and listing-specific buyer pre-qualification landing pages. The objective is simply to give your buyer honest pricing and a clean process from contract to clear-to-close.

Agent inquiries

For introductions, a co-marketing conversation, or a same-day pre-approval on a live offer, email info@ratedirect.net. Same-day responses during business hours, including weekends during active contracts.

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