1RATE Heritage Park Cir, Silver Spring

We had a fantastic experience with Chris at 1RATE. He answered all of our questions quickly and clearly and kept us up to date on every step of our refinance! The whole process was quick and efficient and easy to follow along with. Thanks again for a great experience!

I have gone threw several home loans with Gary. He has always willing to help easy going. He will take the time to explain the whole process from start ro finish. When I got my first home loan as a fist time buyer he took his time to walk me though the process step by step. He explain everything so I understood everything. He has also help me refinance since then and he still explain the process and what for me to expect.

I've been in touch with Chris Choe on and off for a few months before committing to a refi last December. Wow, what an amazing experience. We refinanced our property a number of times over the years, but this was by far the most personal, friendliest, and professional experience. There's not a detail that I would improve upon in our interactions. Chris served information straight and accurately, explained in detail when I had questions, always took time on the phone or via email to communicate, was proactive, and kept us informed every step of the way. His knowledge in every matter was very deep. Pair all that with fair rates and fees, and you got a phenomenal organization to work with. Many thanks also to Mark Morant, who was involved in our refi as well! I will most certainly recommend 1RATE to friends and family looking to finance or refinance properties.

I can't say enough good things about my experience with 1Rate. I was shopping around for a refi and came across this company. Was sort of hesitant, but I read the reviews and decided to go with them. Believe the reviews, these guys are nothing but first class. Michael & Chris were the team I worked with and I could not have been treated any better. Professional, courteous, spot-on with communications, and frankly just a pleasure to work with.

I cannot praise the work of Chris Choe and 1Rate Mortgage enough. Acquiring or refinancing a mortgage is complicated - it's not something you do often, there are lots of forms, and lots of numbers that can be confusing. Add to that the fact that a small difference in rate can mean tens of thousands of dollars over the course of a loan! Chris and 1Rate makes it so easy and understandable, and hold your hand through the whole process. Their document collection platform is really slick and very intuitive. And Chris doesn't just rely on that great technology - he is constantly checking in along the way to make sure that you are doing everything correctly. Add to this their commitment to getting you the best rate with the best format of loan for your needs. All in all, an amazing experience - and I've done this a LOT over the years.

It was a pleasure working with Chris and Michael from the 1RATE team, communication was quick, they helped me review all options I had to make the best decision; the team was super supportive and engaged with me as a customer. I can't stop recommending them enough to my network. A+plus+plus+plus+plus+

Review of repeat clients: We recently closed on an investment property. We were second time clients of Rate1; our first experience was excellent and everything was handled without a hiccup and in a timely manner. Second time however we ran into few obstacles! As one can imagine bumps happen with “all closings” whether pre or post pandemic and severe weather certainly added to the complications. This time our agent got sick and our file was forwarded to the next agent. Despite this agent’s great work ethics, we suffered in the process. Still we managed to close on the property within few days of the original estimated date. The next day to our surprise David from Rate1 called us and addressed the issues. Disappointments are bound to happen when so many factors are at play but if you have a business that takes pride in their work and reputation and hold themselves accountable by stepping up to correct the wrong regardless of the cause, you know your are in dependable hands. That’s how we know we will be repeat customers..again. ◦

Seung and his team excelled in communication and ability to sustain lots of back and forth from underwriters to get our loan through… He was honest, calm and at the end of the day (what may be the most important thing for me) he was always available to pick up the phone or connect when I needed him. I will definitely use his team again!

I am thoroughly satisfied with 1RATE . Thanks to Jessie Kim at 1Rate I am closing a refinance with Quicken Loans on time . It was a bumpy ride due to unexpected title issues, but Jessie handled it well. It was Jessie who helped me to select the right mortgage and terms for my needs, I would recommend 1Rate to everyone.

1Rate has been our go-to partner for mortgage advice and lending for many years. They are extremely savvy and transparent, and they put the needs of their customers first. They will not tell you what you want to hear but what they believe is right for you. They are also tenacious in representing your interests during the mortgage underwriting process. Mortgage lenders and brokers are a dime a dozen. But if you are looking for a real partner, this is the place to go.