Built here, for the way wealth is actually built here.

Why we started this

Mortgage underwriting guidelines were written around a salaried borrower with two years of nearly identical pay stubs. In this part of California, that describes a shrinking share of the people actually buying homes.

The buyers we meet are founders on a below-market salary against meaningful ownership, early engineers whose equity is worth several times their cash compensation, and operators at private companies with no ticker to look up. On paper, agency underwriting reads those borrowers as weak. In reality they are among the strongest we see.

We started RateSecure to underwrite that gap properly — and so that buying a house would stop costing people the upside they took years of risk to build.

What that means in practice

It means a structured approach rather than a checklist. When an unusual asset or an irregular deposit appears, it gets discussed and resolved — the question comes back to you with context, rather than as a line item on a list of conditions.

The process behind that is not improvised. More than twenty years of originating in this market sits behind it — which is what makes an individually structured loan repeatable rather than a one-off favour.

We do not advertise rates. A posted rate assumes a perfect borrower on a perfect property with a specific lock period, and almost nobody is that borrower. We would rather quote you once, correctly.

Privacy is a policy, not a page

We do not sell borrower information or trigger leads. This site collects four things on its form and nothing more, and the calculator never transmits what you type. See our privacy notice.