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Our People-1Rate

Our People

Who We Are

Here's a revolutionary idea: what if we treated our employees with respect? What if we made sure to provide them with the necessary tools to help our clients rather than putting them in a situation where they have to make do. The core philosophy of 1Rate, Inc is to be client first by being employee first. We believe if we cultivate the passion of our employees, our clients will see the difference in working with us. It is not you vs us. We are one team, and our goal is to get you across the finish line.
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At 1RATE we are client-first by being employee-first

At 1RATE, we are client-first by being employee-first

We want to equip our employees with the latest technology so they can provide a better service to our clients, and we want to encourage them to take pride in the service they provide. Above all else, we embrace the family first motto.
  • Ajay Anandan

    “I worked with Jessie on 1Rate. I comparison shopped for refinancing services, and chose to stick with 1Rate because of Jessie's customer service and their competitive rates.”

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  • Katherine K

    “Referred by a friend, Roya provided wonderful service, answered detail questions and speedy responses. Definitely going to refer her to all my friends.”

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  • Tyson McCormick

    “I loved the application and comfort of talking to the Loan Specialist and having an opportunity for him to walk me through it step-by-step.”

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  • Jun Zhang

    “Awesome experience with Michael and 1RATE - very knowledgeable, respond in timely matter, and competitive offer.”

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Our People Our Motto

Our Motto

We are Client First,
By Being Employee First.

Meet The Team

Chris Choe

Chris Choe

Chris Choe

Chris Choe

On Friday May 29, 2020, at 4:45PM, after finishing up my firm's COVID response, I was let go. I worked there for ten years climbing up the corporate ladder. And every single year, I went through the same old roller coaster of emotions where I was unhappy one day, and then the next day, I would convince myself that this was normal. That it was normal to be unhappy with your job. Don't get me wrong, I met some incredible people, some astounding people, but when the company's actions do not match the ideals that they preach, and when you see good, hard-working people not get the recognition that they deserve, it takes a strain on one's mind.

So, on May 29th, I saw I was given an opportunity. Now I could create something meaningful. A company that was about honesty, teamwork, and family. A company that was about being client-first by being employee-first. So, I tossed away the Corporate America C-Suite dream, grabbed hold of the Entrepreneurial spirit, and created 1RATE. A boutique mortgage advisory firm focused on meeting clients with a "Four Seasons" experience, striving to become the industry's gold standard, and formulating an organization about training, rewarding, and honoring the individuals who treat everyone like a VIP client.

So far, it's been an amazing journey building something unique and creating a "WOW" experience for every client. We're having a ton of fun, connecting with great people and sharing the redefined experience of 1RATE with everyone we can.

Checkout my YouTube channel for mortgage basics at https://www.youtube.com/@chrischoemortgage

Thank you for your support!

NMLS 1818728

David Cho

David Cho

Edward Kay

Edward Kay

Edward Kay

Edward Kay

Mortgage Advisor

NMLS 2080969

nmlsconsumeraccess.org

Roya Rafatzad

Roya Rafatzad

Roya Rafatzad

Roya Rafatzad

Sr. Mortgage Advisor

NMLS 219307

nmlsconsmeraccess.org

When you are ready to start your application, 1RATE, Inc. will guide you through the process.