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Based on 69 star reviews
Based on 73 reviews
Ratings include all 73 reviews. Reviews collected directly from clients are shown only with their permission.
Jorge was great helping me with the loan and all the paperwork , and easy to explain all the documents keep up the good work jorge
Response from Owner
Thank you for the kind words! I’m glad I could help make the loan process and paperwork easier to understand. It was a pleasure working with you, and I truly appreciate your trust and support! Congratulations on the purchase of your new home.
(Translated by Google) Excellent service, very professional (Original) Muy exelente serbisio muy profesionales
Response from Owner
¡Muchas gracias por sus palabras! Nos alegra saber que recibió un excelente servicio y una atención profesional. Fue un gusto atenderle.
Jorge is an Absolutely Amazing VP Mortgage Lender. We have known him for over 10years and he is always Sharp And Honest with all the Questions You send his way. He will Always Steer you In The Right Direction And Is Someone You Can Count On To Get The Job Done Correctly In A Timely Manner. Thank You For All Your Time And Help Jorge!!! Always 💕 Aida & Sunil
Response from Owner
Aida & Sunil, Wow — reading this truly made my day. Thank you both so much for taking the time to share this and for trusting me with your financing needs over the last 10+ years. That kind of long-term relationship is exactly why I love what I do. I’m grateful for the chance to be your go-to resource and I never take your trust for granted. You know you can always reach out with any questions, big or small — whether it’s a new purchase, a refinance, or just wanting to run scenarios and ideas by me. Thank you again for your loyalty, your kind words, and your continued confidence in me. It means more than you know. Always here for you both. Jorge
Jorge is very knowledgeable and provided multiple options for refinance so I can pick whatever worked best for me. Refinance saved me over $600 per month and I even got a refund in addition to mortgage reduction, providing more cash in my pocket without having to pay anything for the refinance. Jorge stayed actively providing updates. I did not have to chase him for feedback. Jorge is very professional, knowledgeable and has great customer service.
Response from Owner
Thank you so much for taking the time to share your experience. It was a pleasure working with you on your refinance, and I’m thrilled that we were able to lower your monthly payment by over $600 and put additional cash back in your pocket without any out-of-pocket cost for the transaction. I’m glad the different options we reviewed helped you choose what worked best for your goals, and that the communication throughout the process felt proactive and smooth. Providing clear updates and making the process as stress-free as possible is always a top priority for me. Thank you again for your trust and for the kind words about my professionalism and customer service. If you ever have any questions in the future or know someone who could benefit from exploring their options, I’m always here to help.
I’m very grateful for all the help Jorge has given me over the years. He helped me purchase my first home, which was a very important experience for me, and more recently helped me again with getting the funds I needed. He was always very attentive, patient, and available whenever I had questions. There were times when I didn’t fully understand the process, and he always took the time to explain everything in a way that made sense to me. He made both experiences feel much less stressful and was able to get everything done in a surprisingly short amount of time. I truly appreciate his professionalism and the way he made me feel supported throughout the process. I would definitely recommend him to anyone looking for someone they can trust and rely on.
Response from Owner
Thank you so much for taking the time to share this review and for trusting me over the past 20+ years. Helping you purchase your first home and then being able to help again more recently truly means a lot to me. I know how important these milestones are, and I’m grateful you allowed me to be a part of them. I’m glad to hear that you felt supported, heard, and understood throughout the process. My goal is always to make things as clear and stress-free as possible, so knowing that the explanations, availability, and turnaround time made a difference for you is incredibly rewarding. Your trust and recommendation are the highest compliments I can receive. It’s been a pleasure working with you over the years, and I’m always here for you, your family, and your friends whenever you need anything in the future.
My sister and I had an outstanding experience working with Jorge and Rate.Inc on purchasing Our First Home. We were Lucky to have been recommended by Family Members who Jorge had already worked with. During the whole process Jorge provided a day to day update, smooth transitions to next steps and an overall stress free Experience and also Answered and Questions we had with clarity and accuracy. What Me and My Sister loved and what set Jorge apart was this Availability and Dedication. We liked the he was willing to go that Extra Mile to keep things Moving forward with the process. We are Extremely Grateful for His Support and Dedication. We Highly Recommend Jorge and Rate.Inc to Anyone looking to Purchase their Home.
Response from Owner
Thank you both so much for this amazing review and for trusting me and Rate, Inc. with your first home purchase! It truly means a lot that you were referred by family members I’ve worked with before, and that you chose to put your trust in me as first-time buyers. I know how big and emotional this milestone is, and I’m really glad to hear that the updates, smooth transitions, and clear communication helped make the process feel stress-free. Your kind words about my availability and dedication really hit home. I always aim to go the extra mile and keep things moving forward, so it’s rewarding to know that it made a difference for you and your sister. Thank you again for the high recommendation and for allowing me to be part of such an important moment in your lives. I’m incredibly happy for you both and wish you many wonderful memories in your new home! 🏡
(Translated by Google) We were very well taken care of at all times during our process, we recommend Guaranteed Rate and especially Mr. Jorge Hernandez, who is very efficient and proactive in his work. (Original) Fuimos muy bien atendidos en todo momento en nuestro proceso, recomendamos a Guaranteed Rate y en especial al Senor Jorge Hernandez, quien es muy eficiente y proactivo en su trabajo.
Response from Owner
Muchísimas gracias por tomarse el tiempo de compartir su experiencia y por la confianza que nos brindaron durante todo el proceso. Es un verdadero gusto saber que se sintieron bien atendidos en cada momento y que nuestro trabajo eficiente y proactivo les dio tranquilidad. Comentarios como el suyo nos motivan a seguir dando siempre lo mejor. Gracias por recomendarnos y por la mención especial. Aquí estaremos siempre a sus órdenes para cualquier necesidad futura, ya sea para ustedes o para familiares y amigos que podamos ayudar.
No written review
Working with Jorge Hernández and Rate Inc has been one of the best experiences that I have made this year. Jorge helped me so much, he always had an answer to every question I had. This is my first time working with a lender and let me tell you it was very easy and fast the way that Jorge works. The same way he ask questions he answers every one of them and very clearly so there won’t be any misunderstanding. I honestly do recommend getting in contact with Jorge, he is the best and you won’t regret it 😊
Response from Owner
Thank you so much for this amazing review and for trusting me and Rate, Inc. with your first home purchase! It was truly a pleasure working with you throughout the process. I know how overwhelming it can feel buying a home for the first time, so I’m really glad to hear that everything felt easy, fast, and clear. That’s always my goal—making sure every question is answered and that you feel confident at every step. Thank you as well for recommending me to others; that means a lot. If you ever have any questions in the future, need anything related to your mortgage, or are thinking about your next move, I’m always just a call or message away. Wishing you many happy memories in your new home! 🏡
Amazing team work . Always available and very professional. Let’s go … vamos
Response from Owner
Thank you so much for the awesome review! It was a pleasure working together, and I’m thrilled we were able to close early for our clients. I truly appreciate your partnership, communication, and trust throughout the process. Looking forward to many more smooth and successful transactions together. Let’s keep it going… ¡vamos! 💪
Such a smooth transaction with Jorge. My clients already had him as their preferred lender and I’m grateful I was able to connect with him through my buyers because I definitely plan on sending him clients and I’m looking forward to working with him in future transactions 🖤
Response from Owner
Thank you so much for your kind words! It was truly a pleasure working with you and your buyers on this transaction. I’m grateful for the opportunity to connect, and I really appreciate your trust and support. Looking forward to working together again and helping more clients have a smooth and successful experience.
Appreciate all the help. The service provided was outstanding.
Response from Owner
Thank you so much for your kind words. It was truly a pleasure helping you, and I’m so glad to hear you had such a positive experience. Your feedback means a lot to me, and I’m genuinely grateful for the opportunity to assist you.
George has great communication skills quick response explains different scenarios really well very friendly and professional
Extremely attentive, thorough, and knowledgeable.
(Translated by Google) Jorge is a very experienced person and inspires confidence. He makes the process easier and takes the time to answer all your questions. (Original) Jorge es una persona con mucha experiencia y te da confianza..hace el preoceso mas facil..y se da el tiempo a contestar todas tus dudas...
Response from Owner
Muchas gracias por sus amables palabras. Fue un placer poder apoyarlos durante el proceso y ayudar a que todo fuera más fácil y claro. Me da mucho gusto saber que se sintieron en confianza y que pude responder sus dudas. Les agradezco mucho la oportunidad de haber sido parte de este paso tan importante. ¡Felicidades nuevamente!
Jorge was so wonderful to work with! He explained everything to us thoroughly, was patient with us, and was very responsive. He helped make the home buying process smooth and stress-free. We closed on our home in 12 days!
Response from Owner
Thank you so much for your kind words! It was truly a pleasure working with you and helping you through the home buying process. I’m so happy we were able to make everything feel smooth and stress-free. Congratulations again on your new home, and thank you for trusting me to be part of such an important milestone.
Working with Jorge Hernandez to refinance mortgage was an absolute positive experience. During the whole process, he provided day to day updates, smooth transitions to next steps and overall stress free experience. His knowledge about rates and loans is what gave me more confidence to work with him. I truly recommend Jorge to anybody who is looking for a mortgage, refinancing a home or HELOC loans.
Response from Owner
Thank you so much for your kind words and recommendation. It was truly a pleasure working with you and your family on your refinance. I’m glad I could help make the process smooth, keep you informed every step of the way, and provide the guidance you needed to feel confident throughout the loan process. Your trust means a great deal to me. Thank you again for the opportunity to assist you, and please don’t hesitate to reach out if I can ever help you, your family, or your friends with a mortgage, refinance, or HELOC in the future.
My husband and I had an outstanding experience working with Jorge Hernandez with Rate, Inc. once again for the purchase of our second house. From start to finish, he was incredibly helpful, patient, and resourceful, always taking the time to explain every detail and answer all of our questions with clarity and accuracy. What truly sets him apart was his availability and dedication. No matter the time of day, he was always responsive and willing to go the extra mile to keep things moving forward. It genuinely felt like Jorge was working around the clock to ensure everything went smoothly for us. His professionalism, reliability, and commitment made what could have been a stressful process feel manageable and even enjoyable. We are extremely grateful for his support and would highly recommend him to anyone looking to purchase a home.
Response from Owner
Thank you both so much for this incredibly thoughtful review. It truly means a lot to me that you trusted me again to help with the purchase of your second home. Working with you and your husband was such a pleasure, and I’m so grateful to have been part of this exciting chapter in your lives. I know buying a home can feel overwhelming at times, so it means a great deal to hear that I was able to make the process feel smoother, clearer, and more manageable for you. Your kindness, trust, and support genuinely mean the world to me. Thank you again for allowing me to be part of your journey, and I’m wishing you both so much happiness and many beautiful memories in your new home.
I’ve had the pleasure of working with this Jorge on multiple transactions, and I can confidently say his expertise is top-tier. As a realtor serving the South Bay, it’s important for me to refer clients to someone I trust—and he consistently delivers. His communication, knowledge, and ability to close deals smoothly make him a valuable partner. I’ve referred him many times and will continue to do so.
Response from Owner
Thank you so much for your kind words and continued trust. It’s always a pleasure working with professionals like you who are equally committed to taking great care of our clients. I truly appreciate your referrals and the confidence you place in me transaction after transaction. Looking forward to many more smooth and successful closings together—especially when we can get them done in just 21 days!
Jorge was great to work with. He was very communicative and walked the buyers through each process He made this process easy Thank you Jorge
Response from Owner
Thanks so much for the kind words. It was a pleasure working with you on this transaction. I’m glad the communication and step-by-step updates helped keep everything clear and moving smoothly for the buyers. My goal is always to make the financing side feel straightforward and predictable for both you and your clients. I really appreciate your partnership and look forward to working together again soon. Jorge Hernandez
I am grateful to have worked with Jorge Hernandez with Rate, Inc. and for his expertise navigating the loan process for our new home. We ran into some difficulties related to repairs needed and he developed options that was a win-win for everyone. This transaction will not be a “one and done”, but a lifelong relationship to help us build our financial future on solid footing. His advice was solid and his guidance immeasurable!
Response from Owner
Thank you so much for the kind words and for trusting my team and I with your home loan. I’m really glad we were able to work through the repair hurdles and find solutions that made sense for everyone involved. My goal is always to keep things clear, protect your best interests, and create options that help you move forward with confidence. I truly appreciate the opportunity to be part of this purchase, and I’m honored that you see this as a long-term relationship. Whenever you’re ready, I’m here to help with future refinancing opportunities, strategy around paying down the loan, or planning for your next purchase as your goals evolve. Thank you again for the thoughtful review.
Our second time going with Rate and Jorge Hernandez made the entire process fast and easy to get the best loan rate available. He is definitely a well trusted and honest advocate for his customers!!!
Lender worked with me every step
Jorge was my agent used to purchase my house. He was very helpful and penitence with me. He explain the process step my step making me feel very compatible in each step. Was always a phone call away with any questions i had. Took extra steps to make sure i got the best rate and experience he could offer. At no point did i feel pressure. Even after the closing he is still helping me and answering any questions i still have.
Response from Owner
Thank you so much for taking the time to leave this review. It truly means a lot. I am glad I could help make the home financing process clear and comfortable for you, and that you felt supported at every step. My goal is always to be available, explain everything in a straightforward way, and make sure you feel confident with each decision, without any pressure. Please know I am always here if you have questions, even after closing. Jorge Hernandez
As a first-time homebuyer, I had a great and seamless experience working with Jorge. He worked incredibly fast to secure my loan, even through weekends and holidays. He took the time to address all of my questions and concerns, kept me updated throughout the entire process, and made sure I fully understood every step along the way. Jorge was a true pleasure to work with, and I will absolutely recommend him to friends and family. I look forward to working with him again for any future home loan needs.
Response from Owner
Thank you so much for your kind words and for taking the time to share your experience. It was truly a pleasure helping you through your first home purchase. I understand how important and sometimes overwhelming this process can be, so I’m glad I could provide the support and guidance you needed every step of the way. I look forward to working with you again in the future and am always here to help your friends and family with their home loan needs as well. Congratulations on your new home!
I highly recommend Jorge Hernandez for any mortgage or home loan needs. Jorge recently helped me secure a loan to remodel my home, and the experience was exceptional from start to finish. He was incredibly attentive, took the time to truly listen to my needs, and worked tirelessly to ensure I received the loan that best fit my situation. I have known Jorge for over twenty years, and during that time he has consistently supported my family, including my father, with home loans and trustworthy guidance when making important mortgage decisions. His professionalism, knowledge, and genuine care for his clients are unmatched. If you are looking for someone reliable, experienced, and dedicated, Jorge Hernandez is the person to go to.
Response from Owner
Thank you so much for your kind words and for taking the time to share your experience. It has truly been a privilege to assist you and your family over the years with your home financing needs. I am grateful for your trust and loyalty, and I’m glad to hear that your recent loan process was smooth and met your expectations. My goal is always to provide attentive, personalized service and to help my clients make informed decisions with confidence. If you ever need anything in the future, please don’t hesitate to reach out. Thank you again for your recommendation and continued support.
Jorge has been my family’s lender for over a decade and continues to give an exceptional service and advice
Response from Owner
Thank you so much for your continued trust and loyalty over the years. It’s truly an honor to work with you and your family, and I’m grateful for the opportunity to be your lender. Providing exceptional service and guidance is always my top priority, and I look forward to assisting you with any of your future needs. Thank you again for your kind words and ongoing support!
Our experience with jorge hernandez was smooth, thanks to his knowledge on the refinancing would recommend him 100% Thank you for your explanation of the process and patience.
Response from Owner
Thank you so much for your kind words and recommendation! It was a pleasure assisting you with your refinancing, and I’m glad to hear the process felt smooth and clear. If you have any questions in the future or need further assistance, please don’t hesitate to reach out. Thank you again for your trust and for allowing me to be part of your journey!
Response from Owner
Thank you for the 5 star review. I truly appreciate it. We look forward to working with you again.
I had a very easy and clear experience working with Jorge. Every question was answered and the whole process was smooth from start to finish. He has been working with my family for years and I always recommend him to friends and other family.
Response from Owner
Thank you so much for taking the time to share your experience! It’s always a pleasure working with you and your family, and I truly appreciate your continued trust and referrals over the years. I’m glad to hear the process was smooth and all your questions were answered. If you ever need anything in the future, please don’t hesitate to reach out. Thank you again for your support!
I've had the pleasure of working with Jorge for several years. He is a true professional and rare find in the mortgage space. Not only is he knowledgeable, but he's responsive, responsible, and a true pleasure to work with. I've referred my own family members to him and look forward to working together even more
Response from Owner
Thank you so much for your kind words and trust! It has truly been a pleasure working with you over the years. I greatly appreciate your referrals and your continued confidence in me. Building strong, lasting relationships with clients and colleagues is what I value most in this business, and I look forward to many more successful collaborations together. Thank you again for your support!
I’ve worked with a lot of lenders over the years, and none of them compare to Jorge. He’s bilingual, patient with clients, and truly fights for them from start to finish. Every deal we’ve opened together has closed — not one escrow has fallen apart. When challenges come up (and they always do), he jumps in immediately with solutions instead of excuses. He treats people like family and makes the process simple, even for first-time buyers. If you want a lender who actually cares and communicates, he’s the one.
Response from Owner
Thank you so much for your thoughtful and generous review! It truly means a lot to hear such positive feedback, especially from someone with extensive experience in the industry. I’m committed to providing clear communication, personalized support, and solutions for every client, no matter the situation. Helping clients achieve their homeownership goals—while making the process as smooth and stress-free as possible—is always my top priority. I appreciate your trust and partnership, and I look forward to many more successful transactions together!
I want to thank Jorge and his team for making the loan process smooth and stress-free for my mother. They were professional, patient, and always available to answer any questions we had. Everything was handled efficiently, and communication was excellent from start to finish. We truly appreciate the support and care throughout the entire process — highly recommend their services!
Response from Owner
Thank you so much for your kind words and for taking the time to share your experience. It was truly our pleasure to assist you and your mom throughout the loan process. We understand how important it is to feel supported and informed every step of the way, and we’re grateful for the opportunity to help make things as smooth and stress-free as possible. Your recommendation means a great deal to us, and we’re always here if you or your family need anything in the future. Thank you again for trusting us with this important milestone!
Guaranteed Rate provided the easiest and fastest HELOC process I have ever done. Jorge provided exceptional customer service. And to top that entire process took 7 days with no need for crazy paperwork and underwriting requirements. They also provided multiple rate and terms to select from to meet my needs. I highly recommend Guaranteed Rate for all you home lending needs.
Response from Owner
Thank you so much for your wonderful review! I’m thrilled to hear that your HELOC process was smooth, fast, and met your needs. Providing exceptional customer service and a hassle-free experience is always my top priority, so I’m glad I could deliver that for you. I appreciate your recommendation and look forward to assisting you or anyone you refer in the future. If you have any questions or need anything else, please don’t hesitate to reach out. Thank you again for choosing Jorge Hernandez and Rate!
Jorge delivers the perfect balance of financial expertise and friendly customer service. Highly recommended.
Response from Owner
Thank you so much for your kind words and recommendation! I’m glad to hear that you had a positive experience and that my approach to financial expertise and customer service met your expectations. If you ever have any questions or need further assistance in the future, please don’t hesitate to reach out. Your satisfaction is my top priority!
Working with Jorge was great. Originally I had tried to go with another lender to take care of a trust administration. Three other lenders could not get the job done, so I reverted back to Jorge. Jorge was more than willing to help out and got the job done. I cannot thank Jorge enough for his professionalism, patience, experience, and customer service. I wholeheartedly recommend Jorge and his company. Thanks Jorge!
Response from Owner
Thank you so much for your kind words and for taking the time to share your experience. It was truly a pleasure working with you and helping our mutual client. I understand how important it is to have a lender you can rely on, especially after facing challenges with others. Your trust and recommendation mean a great deal to me. If you ever need assistance in the future, please don’t hesitate to reach out. Thank you again for your trust and support!
I have doing business with Jorge Hernandez for over 30+ years. His deep knowledge of the lending industry, combined with his professionalism and integrity, makes him an outstanding partner in any financial transaction. Jorge consistently provides clear, straightforward answers and is always available to address any questions or concerns. His communication is excellent, and he goes above and beyond to ensure every detail is handled with care. He makes the entire transaction smooth and stress-free. It’s truly a pleasure working with him. I highly recommend Jorge to anyone seeking a loan — you won’t find anyone better.
Response from Owner
Thank you so much for your thoughtful and generous review. It has truly been a privilege to work with you over the past 30+ years. I greatly appreciate your trust and loyalty, and I am grateful for the opportunity to assist you with your financial needs. Your kind words about my knowledge, professionalism, and commitment to service mean a lot to me. Thank you again for your recommendation and support!
(Translated by Google) Jorge is clear and patient, professional at all times, a pleasure to do business with. (Original) Jorge es claro y paciente,profesional en todo momento, un placer hacer negocuo con el.
Response from Owner
Muchas gracias por darme la opportunidad de trabajar contigo y tu familia. No dudes en hablarme si tienes alguna pregunta referente a el prestamo nuevo o pregunta en general. Te mando saludos. Jorge
Jorge, Thank you from the bottom of my heart for all of your help in getting our loan processed so expeditiously. It is always a pleasure to work with you. I will always recommend my family and friends to you when they need a trusted person who can assist them with a Personal Loan, Mortgage Lending or a HELOC. You have once again managed to meet and surpass my expectations. You will always be my go-to!
Response from Owner
Dear Liz, Thank you so much for your heartfelt message. It truly means a lot to me to know that you had such a positive experience. I’m grateful for your trust and loyalty, and it’s always a pleasure to work with you as well. Your willingness to recommend me to your family and friends is the highest compliment I could receive. If you ever need assistance in the future—whether it’s with a Personal Loan, Mortgage Lending, or a HELOC—I’m always here to help. Thank you again for your kind words and continued support!
Great customer service
Because Jorge and his team make our dream come true, to have our own house, thank you so much, in the future we see you a gain.
Jorge, Your deep understanding of home equity lending and your dedication to client service consistently raise the bar for anyone in your business. Your ability to build trust and provide tailored solutions truly sets you apart. This is the reason we keep returning to you for business & refer friends & family to you. Thank you 🙏🏻🙏🏻👍🏻
Response from Owner
Thank you so much for taking the time to leave us feedback. We value the friendship and business relationship we have. Thank you for the opportunity to work with you. Jorge
Thank you Jorge for being so patient through out the whole process and informative.You helped us out a lot! We appreciate you.
Response from Owner
Thank you Karen. It was a real pleasure to work with you and your family. Please reach out anytime if you have any additional questions. Thank you. Jorge
This is the second loan transaction closed with Jorge. He is always so pleasant. Thank you Jorge for taking care of our mutual clients and for another smooth transaction.
Response from Owner
You are very welcome. It is always a pleasure to work with you and your team. Our clients are very happy. Congratulations 🎊
(Translated by Google) I want to thank Jorge for helping me get my loan easily and quickly, and also for his advice to speed up the whole process. (Original) Quiero agradecer a Jorge por ayudarme a obtener mi prestamo facil y rapido, tambien por sus consejos para agilizar todo el proceso.
Response from Owner
Fue un placer trabajar contigo y tu familia. Seguimos en contacto. Muchas gracias. Jorge
Easy and straight forward to what u need to qualify
Thank you Jorge for helping me thru this process it went pretty fast and smooth I really appreciate your help
Response from Owner
It was a pleasure working with you. As always, please reach out if you have any questions. Thank you for choosing my team and I to help you with your home loan. Jorge
Jorge is an outstanding loan officer, he is very detail oriented, always meet dead lines, very knowledgeable, excellent communication.
Response from Owner
Thank you for the opportunity to work with you. We anticipate many more years of working together. Jorge
Jorge is really helpful and he helps to complete the process at his best from the beginning to the end.
Response from Owner
Thank you Nathan. It was a pleasure to work with you and your family. I appreciate you. Jorge
I’ve gone to Jorge several times and he’s always helpful and takes the time to explain different options. I will continue to use him because he is the best loan officer I’ve worked with.
Response from Owner
Thank you for kind words. I really appreciate you and your family. I look forward to working with you again in the future. Happy Holidays!