Jeff Richards at Guaranteed Rate

Self-employed, small business owners, independent contractors, freelancers, consultant and gig workers who need a home loan – Rate Portfolio has your back. We focus on your full financial picture to give you more ways to qualify. And that means an easier path to homeownership. Reach out today!

http://rate.com/lp/rate-portfolio?LOID=17485

Real estate investors have more ways to qualify for a home loan with Rate Portfolio. At Rate, a variety of property types qualify, with no income needed. Use rental income or cashflow to apply. Discover an easier way to get approved for your next property. Reach out today!

http://rate.com/lp/rate-portfolio?LOID=17485

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfolio – our suite of Non-QM loans for self-employed individuals, investors and borrower who have assets or non-traditional income streams. Offer the loan options that fit their unique income – and grow your business.

http://rate.com/lp/rate-portfolio?LOID=17485

We’re proud to be recognized by Forbes as 2025’s Best for First-Time Home Buyers. But here at Rate, guiding buyers and refi-ers through one of life’s biggest milestones isn’t just what we do — it's what we love. But big wins feel even better when they’re shared.

What’s a recent professional win you’re proud of? Drop it in the comments so we can celebrate with you!

Rate is proud to lead the industry with transparency, fairness and a commitment to active and Veteran military service members and families who've given so much. Since 2018, we've waived over $65 million in VA loan lender fees - and we're not stopping there.

Who understands what loan originators, real estate agents, and clients need better than someone who does it every single day—and is the best in the business at it?

That’s why we’re proud to introduce Shant Banosian as the President of Rate. With an unparalleled track record as the #1 Loan Officer in the country, Shant has not only led by example but redefined what’s possible in this industry.

His expertise isn’t theoretical—it’s built from over $10 billion in funded loans, 40,000+ closings, and decades of hands-on experience. His leadership will push Rate Mortgage to new heights, ensuring our loan originators, real estate partners, and clients have the tools, technology, and support they need to win in today’s market.

This isn’t just a title—it’s a commitment to innovation, service, and excellence. The best is yet to come.

With competitive low interest rates, our Loan Officers are securing more jumbo loans than ever. Discover the details in our latest press release: http://ms.spr.ly/6185qHVWv

Victor Ciardelli, President and CEO of Rate Companies, is proud to announce that Shant Banosian, the # 1 Loan Officer in the U.S. for eight consecutive years, has been appointed President of Rate Mortgage. During his career, Shant has funded over $10 billion in loan volume and closed more than 40,000 loans. He has an uncanny ability to consistently drive growth, by building high-performing teams that can adapt and innovate rapidly. With Victor and Shant leading the way, Rate Mortgage is perfectly positioned to accelerate growth and elevate to the next level.

Please join us in congratulating Shant on this exciting new chapter! http://ms.spr.ly/6180q1LyI

🏁 Big weekend at the EchoPark Automotive Grand Prix for ! 🏎️💨

Huge congrats on an epic race this weekend.

Proud to power the journey—on and off the track.

Start your engines! 🏎️💨 is hitting the track with a fresh look at COTA! Tune in and let’s ride!

Watch live here 👇

📅 Sunday, March 2 | 🕝 2:30 PM EST

📍 | Austin, TX

📡 Watch on FOX | Listen on PRN & SiriusXM NASCAR Radio

🏎️ VIP NASCAR GIVEAWAY 🏁

If you’re not first, you’re last! 🔥 We’re giving one lucky winner 2 VIP Passes to the EchoPark Automotive Grand Prix to watch Ricky Stenhouse, Jr. race in Austin, Texas this Sunday, March 2nd!

Here’s how to enter:

🏆 Follow Guaranteed Rate
🏆 Like this post
🏆 Tag 3 friends in the comments (1 tag = 1 entry, unlimited entries!)
🏁 BONUS: Share this post to your Story and tag Guaranteed Rate for 10 extra entries!

Giveaway ends in 72 hours! Winner announced on 2/28/25.
No purchase necessary. No travel accommodations included. Open to U.S. residents 18+. This giveaway is not affiliated with Meta. See full rules at the link in our bio.

Consider these hidden yet high-budget items:

• After you’ve installed your new cabinets and counter tops, will you get the itch to swap out those old appliances, too?
• Are you going to have to pay to live somewhere else during the renovation?
• Are you making significant changes to your home’s layout? Knocking out or rebuilding walls can quickly push you to the higher end of your budget.
• What are the chances you’ll uncover significant foundation repair?

With Rate’s asset utilization loans, high-net-worth buyers could qualify for mortgages using sources like bonds, savings and retirement accounts — no income or employment verification required. Options include loan amounts up to $3.5M, flexible terms and the ability to buy or refinance. Learn more today.

http://Rate.com/jeffrichards

Car still heating up? Good news: our application process doesn't take nearly as long to get moving. What’s your cold-weather car hack?

We want the path to home ownership to be open to everyone, and we are proud to have assisted so many in achieving their dream.

*Applicant subject to credit and underwriting approval. Restrictions apply.

With help from down payment assistance programs, Rate paved the way to homeownership for more than 14,000 families last year — and we're committed to opening the door for you as well. Even if buying a home feels out of reach, we could help make it possible. Let's get started!

Join EVP Kate Amor to learn how to expand your business, and better serve your customers with products to help get them into their homes fast. Mark your calendar for Wednesday, February 5th at 3PM CT. http://ms.spr.ly/6185UTlN5

🏈 Gameday Giveaway Alert 🏈
We’re giving FIVE lucky winners a massive 75-inch TV and a $500 DoorDash gift card! 🙌

Here’s how to enter:
✨ Follow Guaranteed Rate
✨ Like this post
✨ Tag 3 friends who need the ultimate game-day upgrade! (1 comment = 1 entry)
✨ Bonus: Share this post to your stories for 10x the chances to win!

⏰ Giveaway ends at 12:00 midnight (ET), February 7, 2025. Winners announced on February 8, 2025.
No purchase necessary. Open to U.S. residents 18+. Official rules linked in our bio. Let’s make this game day unforgettable!

We’re excited to be one of the first retail mortgage companies to support Fannie Mae’s new Green Bond Program,* which helps finance green-certified homes. Together, we’re making it more cost-effective to purchase eco-friendly houses while also creating sustainable investment opportunities.

Join us in building a greener future!

Our hearts stand with all those affected by the devastating wildfires. Our thoughts are with the brave first responders, families, and communities in southern California. Stay safe and strong— we at Rate stand with you.

Huge congrats to team member, David Black, on achieving the prestigious President’s Club! 🎉 We are so proud of your hard work and dedication.
To the entire David Black team - your passion inspires us every day. Cheers to many more triumphs ahead.

Active and Veteran service members, your savings start here. Rate was recently named “Best for Low Lender Fees” on VA loans by Forbes Advisor. Find out how much you can save on a mortgage or refinance with a lender that supports your financial goals – get started now.

http://Rate.com/jeffrichards

Big news! We’re increasing our conforming loan limits to $792,000 ahead of the official FHFA announcement! This means more financing options for your clients as they pursue their dream homes. Let’s take advantage of this opportunity together!

http://Rate.com/jeffrichards

With conforming loan limits increasing to $792,000, you’re more empowered than ever to buy the home you’ve always wanted. Whether you’re looking to purchase or refinance, now’s the time to take advantage of these expanded limits. Rate is one of the few lenders providing this opportunity, so contact me to help unlock your potential.

http://Rate.com/jeffrichards

We’re rebranding as Rate. Just like our streamlined name, we’re committed to making the mortgage process smoother, faster and smarter. It’s more than a new name. It’s a new era. Welcome to the future of mortgage lending.

http://Rate.com/jeffrichards

From May 15 -22, Guaranteed Rate is Breaking the Bank for nonprofits. Join us to hit our $500K goal in supporting those who've served and their families. Donate now and we’ll match each donation 2:1!

https://www.rate.com/breakthebank