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Based on 112 star reviews
Based on 123 reviews
Ratings include all 123 reviews. Reviews collected directly from clients are shown only with their permission.
Chris and the ENTIRE Rate Team were absolutely amazing from the start! Chris reached out immediately after receiving my referral and he and his team worked consistently and persistently helping us to complete the closing process in less than 30 days! We appreciate you Chris and team!
I was very please how the team worked together. They make sure if I had any questions or concerns, it was answer and resolved. They also kept me informed to what going on.
Response from Owner
Charmane, it was an absolute joy partnering with you to bring everything together. Making sure you felt supported, heard, and completely in the loop at every single step is what we strive for. I'm so grateful for your kind words and trust in our team!
I recently refinanced with Chris Totani and his team at Rate. It was after a particularly ugly, difficult 3.5 year divorce and everything that goes with that. I needed to get my ex’s name off the mortgage, and while I had time to do it, rates were climbing and the market uncertain, and my approval near my top end. Everyone was on point, efficient, and straight forward. No games. No bait and switch. They far exceeded any other lenders efforts out there, including big name banks. I wish i could list all the people, but in particular, Chris Totani, Jeff (with Rate insurance), Kristy Wyatt, and Michelle Mohler (“Shelly”). Omg, Michelle answered or returned Every. Single. Call. Even after hours. Im forever grateful. Thank you, would utilize Rate again. I do believe I closed in under a month once approved, and the application was around June 12, and closing was August 26. Kindest regards!
Response from Owner
Jane, I'm deeply moved by your kind words and honored we could help you through such a challenging chapter. Getting everything finalized in this market takes incredible focus, and our entire local team and office support are so proud we could deliver a straightforward, honest experience for you. Thank you for placing your trust in our office during this transition, and I wish you all the best in your next chapter.
Response from Owner
Mac, guiding you through your home loan journey was such a genuine pleasure for me and our team. I'm so glad we could make everything smooth and straightforward for you. Wishing you wonderful moments as you settle into this exciting new chapter.
Response from Owner
Christopher, it was a true pleasure working together to secure your new home loan. I'm so glad our team could make the process smooth and straightforward from start to finish. Enjoy settling into your new place!
I had a great experience with Chris. He was knowledgeable from the start and is great work with if you are a first time home buyer. Thank you to Chris and the whole team!
Response from Owner
Thank you so much for taking the time to share your personal experience with us, Draik! We are truly delighted to hear that Chris provided you with excellent support throughout your journey as a first-time home buyer. The entire team here sincerely appreciates your kind words and we are very glad that we could assist you during this important life milestone.
The best and fastest service provided to get our house Thank you so much Chris and your team too
Response from Owner
We sincerely appreciate your incredibly kind feedback regarding your recent experience with us. Please accept our warmest congratulations on your beautiful new home. Chris and the entire team are truly delighted that they were able to provide you with such efficient, high-quality service throughout the process. It was a genuine pleasure assisting you, and we wish you all the best.
We had a great experience with Chris Totani and his team on Rate. They were fast and reliable with their work on helping us with our loan. Thank you again
Response from Owner
We deeply cherish your kind words. Congratulations on your new home — Chris and the team are glad they could deliver fast, quality service.
Theyre good
Great team, helped me with the process in recird time
Chris Totani is the MAN. He and his team took very good care of me
No written review
First time buying a home and Chris made the process clear and simple! Would highly recommend him for any of your mortgage needs.
Response from Owner
Thank you so much for taking the time to document your first-home purchase experience with us! We are truly glad to hear that Chris was able to make the mortgage process clear and simple for you, especially during such an important milestone as buying your first home. Our objective is to always facilitate a transparent and efficient process for every client, and it is wonderful to know that Chris delivered on that goal for you. Your kind words about Chris and your recommendation mean a great deal to us, and we will make sure to pass along your positive feedback to him directly. Thank you again for sharing your experience, and we wish you all the best in your new home!
Chris was very professional, diligent and process the Loan in record time. I would highly recommend working with him.
Response from Owner
We deeply cherish your feedback about Chris being professional and diligent with record processing time. It means so much to us that you recognized Chris's dedication and professionalism throughout your loan process. We're thrilled to hear that he was able to process your loan in record time while maintaining the high level of service you experienced. Your recommendation truly validates the hard work and commitment that Chris puts into every client interaction. Thank you for taking the time to share your positive experience and for recommending us to others.
Rate is fast, provides professional service with a truly dedicated team that makes the entire lending process smooth and stress-free.
They did an amazing job keeping in contact and making sure everything got done.
Very fast closing and great individuals to work with
Great service
I have done home loans with Chris and it has always been a pleasureful easy experience. He is professional and knowledgeable. I would highly recommend Chris to anyone with any home loan needs.
Response from Owner
We are thrilled to hear about your positive experience with our home loan services. It's wonderful to know that Chris has been able to provide you with pleasurable and easy experiences throughout your home loan processes. We truly appreciate your recognition of his professionalism and knowledge in handling your home loan needs. Your recommendation means a great deal to us, and we're grateful for your continued trust in our services. Thank you for taking the time to share your experience and for recommending us, Barb!
Everyone i worked with was very helpful.
The Team was amazing! This was a strange situation - but they jumped right in and definitely rose to challenge! I would not have gotten through the purchase of my new condo without them. They fast tracked the entire process and kept me informed all the way. I cannot Thank this team enough!! I don't think any other lending company would be able to do what they have done for me- salvaging a broken messed up situation - they are all my HEROs!!!
Great communication, speedy and efficient service
Simple, easy to use, stress free
The best people help me
Chris was patient and I felt like he gave us the deal
Vary professional
Everyone is always efficient and nice.
Chris's team is top notch. Always available, helpful, knowledgeable and 2 steps ahead. I highly recommend him.
Response from Owner
We are thrilled to hear that Chris's team was helpful, knowledgeable, and always available. Thank you immensely for recommending him.
Working with Chris made this tough transcation seem like a walk through the park. I would definitely work with him again and recommend. Very patient with us being first time buyers, very methodical and never sugar coated anything. Gave you the good news and the bad news whether you liked them or not
Response from Owner
Ivan, it's been an absolute pleasure guiding you and your partner through your first home purchase. I always believe in keeping things completely transparent so you can make the best decisions possible for your future. Seeing you cross the finish line smoothly makes all the hard work worthwhile. Enjoy every single moment in your new place!
Chris did an excellent job on helping me secure my loan!
Response from Owner
Shiann, it was a true pleasure helping you secure your loan. I know navigating the paperwork stage takes focus, and you handled everything so smoothly. I'm grateful you trusted our office with your home financing needs. Enjoy this exciting new chapter!
Chris and his team have helped us purchase two homes in the last five years. They do an excellent job!
Response from Owner
Working with you over the last five years has been a true privilege, Robert. Helping you secure multiple homes is something our team deeply values, and it's always an honor to be your trusted mortgage partner. If you ever know of any friends or family looking for guidance with their home loan, we'd be grateful for the introduction. I'm looking forward to supporting you for years to come!
Exelente experiencia ! Al empezar un poco confundido con el proceso por no estar totalmente aprovado desde el Principio, pero en realidad la experiencia muy buena, un exelente Team, Yvonne Jimenez y William Calzadilla estuvieron muy al pendiente con todo lo que necesite. A la primera oportunidad que tenga recommend are a Rate con mid conocidos y amigos, Gracias Por hacerlo Realidad!!
Chris was fantastic from start to finish. Communication was awesome and timely all the way through.
Very quick and simple process
Chris Totani has made everything so seamless and effortless, I will be using Chris and Rate for all of my home buying needs.
Because they were quick and easy to deal with and then anytime we had any questions they gave us an answer right away
Highly recommend by our realtor.
Friendly and informative experience.
It was a great experience to work with Chris and his team of professionals all along from beginning to end I would recommend them for all your real estate loan needs.
Chris is a very trustworthy person and will be very honest and helpful througout the process. And in a world where the process of getting a mortgage or doing a refinance can be scary, it's nice to know that there are still good people like him that people can rely on. I would recommend him to anyone.
Chris and everyone were great. They helped answer questions despite the time of day, and made the process that much easier. I greatly appreciate everything!
Chris Totani and his team are fantastic!!
They are fast and very accessible to answer any questions.
Great customer service
Chris Totani and his team did a great job. I have used him a few times in the past and look forward to doing more business with him in the future.
Chris was wonderful to work with.
I am a first time homebuyer and Chris was very helpful and patient. He answered all my questions and put me at ease. I was read to close on my home with in 2 weeks after making the offer.
Great customer service.
No written review
The customer was priority with Rate and we felt like a partner with this process not an inferior signer of documents. They brought in a human component that made our experience actually enjoyable and easy.