Derek Altoonian

Sep 15, 2026

They were responsive and took the time to find the best loan options. Their expertise and attention to detail ensured a seamless approval and closing process that exceeded our expectations.

Sep 12, 2026

Knowledgeable

Sep 8, 2026

Derek was incredibly friendly, helpful, and easy to work with. He took the time to answer questions, explain things clearly, and made the entire experience feel smooth and stress-free. I really appreciated his professionalism and positive attitude and would definitely recommend him to anyone looking for a knowledgeable and dependable mortgage professional.

Sep 8, 2026

Derek is a very knowledgeable loan officer! You bring any and all questions to him and he will kindly talk you through the entire loan process! Not only is he thorough, but will go through hoops to make your approval process smoothly! As a realtor, I wouldn’t send you to anyone else!

Jun 23, 2026

Derrick Is Beyond professional and amazing to work with. I had a very smooth mortgage experience with Him and his team

No written review

Derek and his team were amazing!

May 22, 2026

Derek was wonderful. He took the time to listen, and communicate with us, and he worked hard to get us financed at the lowest possible mortgage rate. We closed earlier than expected and had a great experience!

May 10, 2026

Derek and crew made this closing easy. It had been 26 years since we had bought our first house and the thought of going through that again made us nervous. Three weeks start to finish and we were done, no worries, Derek walked us right through everything. Thank you to all who helped with this purchase of our retirement property!

Feb 20, 2026

We can not say enough wonderful things about our experience with Derek. We are in Idaho and have just purchased a home in Texas, and it's been a stressful and daunting experience. Derek was there every step of the way He was kind, professional, and beyond helpful. He went above and beyond to make this as easy as possible for us. My husband and I will forever be grateful for him and all of his hard work.

Derek was amazing to work with and made the process so easy to follow and understand.

Jan 15, 2026

Derek was informed and provided constant communication. They keep you informed about progress and help progress through the application process flawlessly.

Dec 10, 2025

First-Time Homebuyers: Don’t Be a Hero. Just Call Derek. If you’re a scrolling Google Reviews like it’s WebMD at 2am, let me save you some emotional damage: Choose. Derek. Immediately. Before Derek, the mortgage process felt like we were being hazed by a committee of financial wizards who hate joy. Then Derek floated in, glowing softly (probably just good lighting), and said, “Relax. I’ve got you.” And somehow… we believed him. This man doesn’t estimate numbers — he forecasts them like a weather channel for anxiety. And here’s the kicker: he ALWAYS overshoots. Not because he’s bad at math (he’s frighteningly good at math), but because he refuses to set you up for the emotional gut punch most lenders treat like a rite of passage. - Cash to close? He overestimates. - Payments? He overestimates. - Rates? He overestimates. - Your ability to stay calm? Underestimates. Correctly. So when closing day hit and everything was lower than his already “prepare for the apocalypse” numbers, we looked at each other like, “Are we… rich? Did Derek manifest this??” We walked away with extra money, think about that… Derek explains everything with the tone of someone who has accepted the absurdity of the mortgage system but refuses to let it crush your soul. No jargon. No judgment. No “lol good luck” energy. Every panic phone call we made— and there were MANY — he answered like a man who has transcended irritation entirely. At one point we text: “I think we’re screwed.” He replied: “Nope. You’re fine.” Ten characters. Zero stress. Spiritual healing. The dude is a mortgage monk. Future homeowners: If you want to spend your entire homebuying journey in a constant state of dread, go with someone else. If you want a lender who builds you up, keeps it real, and hands you a financial cushion you didn’t expect — Derek is your guy. He is the cheat code. Thanks to Derek, we’re sitting in our new home right now, financially intact, emotionally stable, and wondering why lenders like him aren’t handed out at birth.

Sep 19, 2025

Great communication, advice, and service.

Great customer service, very responsive and helpful

Team was very communicative and instantly responded to any question.

Derek was very helpful and turned around the paperwork in a very short time.

Aug 5, 2025

Derek was amazing to work with!! Very available and a great communicator. It was our first time buying a house, so we had a lot of questions. He did an amazing job.

Aug 4, 2025

Had a great experience. Derek answered all our questions thoroughly and he was able to process the loan incredibly fast.

Aug 1, 2025

MARGI AND COLTON ARE SOME OF THE MOST GENUINE AND HELPFUL PEOPLE! FROM START TO FINISH YALL KEPT UP AND KEPT US INFORMED AND MOTIVATED THE WHOLE TIME! CANNOT FORGET ABOUT THE FIRST IMPRESSION WHICH WAS SHANE May you rest in peace brother. Thank you for always answering my questions even at 2-4 AM AS WELL AS ALL OF THE TEAM! IF YOU EVER NEED HELP WITH A MORTGAGE GO TO MARGI AND COLTON!

Wonderful service provided and easy process in general.

Derek and his team were on top of everything we had to do. It made the journey to settlement a breeze!

The team, led by Derek, was very engaged throughout the process.

The financing process was quick and painless with an excellent team handling it for Rate.

Jul 9, 2025

Working with Derek and his team was an absolutely phenomenal experience! From start to finish, they provided white glove service that made a stressful process feel smooth and manageable. Derek is incredibly helpful and endlessly patient. He took the time to walk me through every single detail step by step. His exceptional responsiveness made a huge difference; no matter the time or question, he was always quick to reply and ready with clear, reassuring answers. Derek’s professionalism, clarity, and commitment to excellent service set him apart. I can’t recommend him highly enough! If you want someone who treats you like a priority and takes the guesswork out of financing, Derek is your guy!

Jun 13, 2025

Derek and ALL of his staff are truly a 1st. CLASS mortgage company! They keep us up to date in every step from applying for our loan to settlement. We HIGHLY recommend Rate Mortgages office if you are buying a home Thanks again Derek!

Jun 12, 2025

Derek and his team at Rate are financial wizards and helped us through every step of the home buying process. From offer to close in under a month. Couldn’t be happier!

May 27, 2025

Derek and his team were AMAZING to work with. I was referred to him and am so grateful I was. He walked me through every step with such kindness and wisdom. It was truly appreciated as a I felt like a lost puppy starting this process. Derek made it easy and painless and was so thorough. I knew what to expect and felt that he truly cares about his clients. Thank you Derek and Team!

This was an amazing team to work with. Initial conversations with Derek made me feel like we were old friends! He listened to what I wanted and helped me get there financially. Even when I was gathering documentation for his team, Derek would call and tell me where we were in the process. After closing, Derek called to see if I had questions about the signing. I never felt out of the loop. This is an amazing , hard working team whom I would use again and again!! Thank you Derek!!

May 13, 2025

I worked with Derek and his team directly throughout the process and I couldn't have had a better first experience purchasing a home. Derek went above and beyond in making sure we completely understood our mortgage and also reassured us throughout the process with the best options and decisions to make. I can't recommend him enough to be your lender on a home purchase!

May 6, 2025

No one could have made the process of buying a new house any easier. Derek is the consummate professional. Always available and knowledgeable. Highest marks!!

Apr 5, 2025

Derek was amazing! Informative, quick to respond to questions, going above and beyond to get us the best deal and closed ahead of time!

Derek and his team took great care of me and my family throughout this whole process.

Derek and his team are just amazing to work with, made entire process very enjoyable! Derek is someone you can trust and tells you the truth, and he makes you feel comfortable with your purchase. He went out of his way to meet us at the closing, which shows how much he cares about what he does! I definitely recommend Derek and his team! Thank you so much for everything!

Mar 4, 2025

I want to say a very big Thank you to Derek and his team, Kathleen, Margi, Sarah and anyone else I might have missed. This is my first home purchase, and they made things go so smoothly and help go over everything with me so I understand everything that goes into purchasing a home. I definitely recommend using Derek and his team! Just an A+++ team!!! Thank you again so much for everything Derek and team!

Feb 15, 2025

I just completed my 5th deal with Derek and his team, and I cannot brag on them enough. They have great communication and everyone knows exactly what they need to do to get a deal done as smoothly as possible. Derek is the only one I trust with my real estate loans. He's the best in the business!

Great service, Derek was awesome along with his team!

Lee Harden gets the job done with no fuss and fast!

Very good communication and ease of signing

Derek and the team were SUPER responsive and provided clear advice. They also did a great job calming the first-time homebuyer nerves.

They made the process seem less. Every step they talked me through. Every question they answered. Always prompt.

Excellent service from beginning to end. Always answered all of our questions and made the loan process seamless and easy.

The process was fairly easy.

We had an incredible experience with Derek Altoonian and the team! They were knowledable, communicative, and always kept us up to date on the status of our loan. Definitely made the home buying process less stressful.

Quick and easy Service. Was able to fit my unique parameters precisely.

Derek is the absolute best and he made everything so easy to understand.

Excellent customer service with minimum effort from me.

Working with Derek was extremely easy