Residential & Commercial Mortgage Lending
The Easiest Way to Achieve Your Goals
When you need to purchase, refinance, invest, renovate, or build — Ready Rate puts speed, service, expertise, and competitive rates on your side.
Tell us what you're trying to do
Just say it in your own words — our AI guide, RateBot, will pick up the conversation and point you in the right direction.
Real conversations, not loan numbers — talk with a licensed professional first. Free, no obligation.
Speed
A streamlined process built to move at your pace — so you're ready when the right property is.
Service
One dedicated team guiding you from first question to closing day. You're never a loan number.
Expertise
Experienced mortgage professionals who know the guidelines and explain your options in plain English.
Rates
Competitive, transparent pricing — we help you compare the complete picture, not just the rate.
REAL PEOPLE.
REAL EXPERIENCES.
Don't just take our word for it — see what homeowners just like you have actually experienced working with Ready Rate.
★★★★★ 5.0 · Verified Google Reviews
"MICHIAL and his team made the process very easy. They were always available and helpful. Truly a delightful experience working with this team. Extremely professional in every aspect."
"Lee Ratliff was fantastic! Very patient when walking me through the steps. Explained why there were changes in the numbers when there were changes, and it was always a reasonable explanation. I spent about 20k but will save a TON of money over the life of the loan. Rates don't look like they are going to drop much anytime soon, might as well refi now."
"Working with Michial and his team at Ready Rate was by far the best and easiest mortgage lending experience I’ve had to date. From start to finish, the entire team was knowledgeable, responsive, and genuinely committed to making the process as smooth and stress-free as possible. I highly recommend Michial and the Ready Rate team and will undoubtedly be using them again in the future."
"Michial Rachaner is truly top tier and the best Loan Officer/Mortgage Broker in the business! There were times during the process when I got discouraged because things kept popping up, but Michial never let us lose faith and stayed with me every step of the way. He would always reassure me and say, “Don’t worry buddy, it’s just a little hump in the road, but we’re almost at the finish line.” It always felt like he had a backup plan and was determined to make sure we closed on our dream home. His communication was excellent, and he made everything feel simple and easy to understand. Even the day before closing, when the title company needed a few mandatory items, Michial stayed up until midnight submitting documents and making sure everything got handled. I’ll never forget what Michial and the Ready Rate team did for me and my family. We were finally able to close on our home because we trusted the process, and they stayed committed every step of the way. I highly recommend Michial to anyone who is serious about purchasing a home. Thank you again, Michial and Ready Rate!"
"Michial and his team at ReadyRate are amazing. They took over a loan for my buyer and saved the deal for me. They worked very professionally, great communication and followed through and got my buyer to the closing table. I recommend them to all my clients. They are great at what they do. I appreciate them!"
"The t am at ReadyRate made my home buying experience a breeze.Everyone is professional, extremely knowledgeable, and highly skilled. This is my 3rd experience closing on a home with Michial. I wouldn’t consider going anywhere else. His assistant Jennifer was a huge help with the smooth transition. My realtor commented on what a pleasure it has been to work with ReadyRate. That speaks for itself. I highly recommend ReadyRate!! There is one better."
"It was a great experience working with Michial and his team they were fast and efficient. I will recommend them to anyone I know."
"Ready Ready and Michael and his team have are the most efficient and professional service I've ever come across. I would give them a 5 star plus rating."
"Maria and I have had a great experience with Ready Rate including everyone we had contact with. All went beyond the call of duty including Miachial, and Jennifer. There are one or two others, but I can't recall their names at this point. I can - without reservatin - tell you that every one there did an outstanding job helping to releive the terrible stress of going thru the loan process, the closing process, and all the frustration in between. Importantly, we want to give a great big hug to everyone for the thoughful gift we received too!"
"As a first time home buyer the team at ready rate was always there to answer any and all questions and where very proficient keeping us well informed and making sure everything was received."
"Michial and his team went above and beyond for my husband and I with our mortgage needs. Highly recommended !!!!!"
"Michial and his team went above and beyond for my husband and I with our mortgage needs. Highly recommended !!!!!"
YOUR NEXT STEPS
Not sure where to start? Here's how we recommend getting ready.
Get Educated
Learn the mortgage basics before you dive in. Our lessons, quizzes, and guides make it simple — even if you've never bought before.
Visit EducationRun the Numbers
Use our mortgage calculators to estimate your payment, see what you can afford, and build a plan around your real budget.
Try the CalculatorsApply When Ready
When you're comfortable, our application is built around you — your goals, your timeline, your story. No pressure, just progress.
Start My ApplicationBUILT FOR YOU,
NOT BANKERS.
Everything we do is designed to make homeownership feel possible, clear, and exciting.
Dream It. Plan It.
Use our MTG Tools to build your plan - the right plan will turn your dreams into reality.
Try the CalculatorGet Educated
Learn mortgages the easy way. Quizzes, guides, checklists — built for real people, not bankers.
Start LearningApply Differently
Our application isn't like every other lender's. It's built around you — your life, your goals, your timeline.
Start My ApplicationREADY TO BEGIN?
Fair rates you deserve. Unmatched service. Unbeatable speed. Deep expertise.
Join thousands of families who chose Ready Rate to get home faster.