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Great Rates.

Better Reviews.

Mortgages Made Simple

200+ Reviews. 0% Guesswork.

See why our clients call us the most reliable mortgage team in the DMV for on-time closings and transparent rates.

Individual results may vary. Rates and terms are subject to change and credit approval.

Ready to be our next success story?

Choose Your Starting Point

Whether you’re just window shopping or ready to make an offer, we have a path to get you moving.

Expert Advice

Not sure where to start? We’ll hop on a quick call to map out your homebuying timeline and identify the best programs for your specific budget because you're not a one size fits all.

Let's Chat

Custom Pricing

Skip the generic online calculators. Give us a few details about your scenario, and we’ll send you a custom breakdown of today’s rates and your estimated payment.

Fast Pre-Approval

Ready to win your offer? Use our secure portal to submit your digital 1003. We specialize in fast turnarounds so you can shop with a "cash-like" certainty.

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*Rate quotes are estimates based on user-provided data and current market conditions. Actual rates are determined upon full application and credit approval.

We Are the 'Un-Bank' of the DMV

You shouldn't have to choose between a low rate and a human being who actually answers the phone. At 1RATE, we built a mortgage experience that combines the speed of modern fintech with the "cell-phone-access" of a local partner.

While the big banks treat you like a ticket number, we treat your closing date like a deadline we cannot miss. That’s why thousands of families in DC, Maryland, and Virginia fired their bank and hired us to win their offer.

Fast. Local. 100% on your side.

STILL NOT SURE?

Uncommonly Asked Questions

Most lenders answer "What is a mortgage?" We answer the questions you’re actually worried about.

Q1: "My bank offered me a rate. Can you actually beat it?"

Almost always, yes. Here is the secret big banks don't want you to know: They have massive overhead—skyscrapers, stadium sponsorships, and middle management. You pay for that in your rate.

1RATE is a wholesale mortgage broker. That means we shop your loan across dozens of the nation's top wholesale lenders to find the single lowest rate available for your credit profile. We force them to compete for your business, so you get the wholesale price, not the retail markup.

Q2: "The DMV market is crazy. Can you really close fast enough to win my offer?"

We don't just close; we sprint. While big banks and credit unions often take 45-60 days to process a loan (risking your deal), our streamlined digital process allows us to clear loans in as little as 15-21 days.

In fact, we are famous for "Rescuing Deals"—stepping in when another lender dropped the ball and getting the family to the closing table on time.

Q3: "I work 9-to-5. Will I be able to reach you after hours?"

Try calling a bank at 7 PM on a Friday. You’ll get a robot. Call us? You’ll get a human.

Real estate in DC, MD, and VA happens on nights and weekends. If you are writing an offer on a Sunday afternoon, you need a Pre-Approval letter right then, not on Monday morning. We give every client our direct cell numbers so you are never left guessing.

Q4: "My situation is... complicated. Should I still apply?"

Absolutely. If you were turned down by a bank, it might not be because you aren't qualified—it might be because you didn't fit their rigid "cookie-cutter" box.

We specialize in the "tough" ones: Self-employed income, complex commission structures, VA loans, and first-time buyer programs. We know how to structure your file to make sense to an underwriter. If there is a way to get it done, we will find it.

Q5: "Do I have to pay any upfront fees to work with you?"

No. Unlike some lenders who charge "Application Fees" or "Processing Retainers" once you move forward, 1RATE works 100% on contingency.

You will never pay us a dime out of your pocket before closing. We only get paid when your loan funds and you get your keys. This keeps us motivated to get you to the finish line—because if you don't close, we don't eat.