Is Certified Rate Home Loans the right fit for you?
Last Updated: 04/18/2025
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Highlights
Credit Score Range
680 - 850
Amount Range
N/A
Loan Term (Years)
Up to 30
Certified Rate Home Loans Review
Certified Rate Home Loans is offered by Certified Rate (NMLS #1857498), a licensed broker founded in 2019 and based in Manhattan Beach, CA. Certified Rate are available in 50 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. Certified Rate Home Loans offers FHA, VA, jumbo, conforming, and conventional mortgages.
- Specializes in single-family homes. Only offers mortgages for single-family homes, but not for multi-family properties or manufactured homes.
- Standard interest rates types.
- Only primary residences considered. Certified Rate Home Loans does not offer financing for vacation homes or investment properties.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
- Good credit required. You will need a credit score of at least 680 to qualify.
Certified Rate Home Loans Pros & Cons
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Certified Rate FAQ
What is the maximum loan term you can get with Certified Rate?
Certified Rate offers mortgages with a maximum term of 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does Certified Rate offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, Certified Rate may charge a loan origination fee .
What mortgage programs are available?
Besides conventional mortgages, Certified Rate offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency.
- VA loans: A zero down payment mortgage or a refinance of up to 100% of the home's value for American military members, veterans, and their spouses. VA loans offer competitive mortgage rates, and don't have a minimum credit score. However, the mortgage lenders that offer them will typically require a credit score of at least 640.
What property usage types does Certified Rate allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Certified Rate allows the following property usage types:
- Primary home
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for Certified Rate Home Loans is .
What is the support contact email?
The support contact email for is info@certifiedrate.com.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 6:00PMTuesday8:00AM - 6:00PMWednesday8:00AM - 6:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturdayClosed
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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