
We make home financing simple, transparent, and tailored to your unique needs.

Our extensive network of lenders allows us to shop around and find the best rates and terms for your specific situation.

VA Home Loans:
Serving Those Who Serve
Mortgage Calculator
Welcome to Rate Republic, your trusted partner for all your mortgage and commercial loan needs
02. lower your interest rate
Save More with a Lower Interest Rate
03. Take cash out
Tap into Your Home’s Equity with Cash-Out Refinancing
Delivering Affordable Mortgages and Exceptional Client Service for Over 20 Years
We offer a wide range of residential loan products to suit your needs:
- Conventional Loans: With options as low as 3% down, including PMI and lender-paid PMI alternatives, and refinancing opportunities to remove PMI.
- VA Loans: Featuring 0% down, 0 PMI, no income or appraisal requirements for rate and term refinancing, and cash-out refinancing.
- FHA Loans: Offering down payments as low as 3.5% with more lenient guidelines compared to conventional loans.
- Debt Service Coverage Ratio Loans: No income required, with projected rent on appraisal used as income.
- Reverse Mortgages: Available for individuals 62+, for refinancing or purchasing, allowing you to stay in your home with no mortgage payments.
- Bridge Loans: Helping you buy your next home without rushing to sell your existing one, with up to 12 months of no payments on the vacating property, enabling you to be a non-contingent buyer.
Discover why Rate Republic stands out with our exceptional service, extensive network, and expert team, ensuring a seamless and efficient mortgage experience for you.
- Residential and Commercial Loans: We offer both residential and commercial loan options to meet all your financing needs.
- Extensive Bank Network: We shop the market for you, selecting the best option from over 35+ banks to ensure you get the most favorable terms.
- Top-Notch Processing Team: Our processing team is among the best in California, providing bulletproof pre-approvals, streamlined and fast processing.
- Experienced Loan Officers: Our loan officers bring an average of 14+ years of experience, ensuring expert guidance and support.
- Pre-Approval Advantage: Get your loan approved before you start shopping, giving you a competitive edge in the market.
- Quick and Easy Qualification: We simplify the qualification process to make it quick and hassle-free.
Year of Foundation
Issued Loans
Loan Officers
Happy Families Served
Your trusted mortgage and commercial loan partner
Whether you’re buying a home, lowering your interest rate, or taking cash out, our team is here to guide you through every step of the process.

Over 6,500 happy customers and growing!
RateRepublic made buying our first home a breeze! Michel and his team were incredibly helpful and always available to answer our questions. We couldn’t be happier with our experience

Emily S.
Eastlake, Chula Vista, happy home buyer
I was able to refinance my mortgage at a much lower interest rate thanks to RateRepublic. The process was quick and easy, and their team kept me informed every step of the way.

Michael T.
Rancho del Rey, Chula Vista, happy home buyer
The expertise and dedication of Michel and the Rate Republic team are unmatched. They secured the best loan for us and made the entire process stress-free. Highly recommended!

Mary F.
Rolling Hills, Chula Vista, happy home buyer
RateRepublic helped us access the equity in our home for a major renovation project. Their personalized approach and efficient service made all the difference

Hassan A.
Rolling Hills, happy resident
As a veteran, I appreciated the specialized knowledge Rate Republic had about VA loans. They made sure I got the best deal possible with no hassles

Irene D.
Chula Vista, happy home buyer
The Rate Republic team is fantastic! They helped us get pre-approved quickly, which gave us a huge advantage in a competitive market. We found our dream home thanks to them.

Paula w.
Bonita, happy home owner
Fast & Easy Loan Process
Determine Your Borrowing Capacity
Select the Right Loan Program
Apply For A Loan
Begin Loan Processing
Close Your Loan
Ready to take the next step?
Make a smart financial decision and take the next step toward your homeownership or business goals.
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690 Otay Lakes Rd Suite, Chula Vista, CA 91910. NMLS 2190509. CA DRE 02144287. Rate Republic Inc
The information provided by Rate Republic is for general informational purposes only. All information on the site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.
Nothing contained on this website constitutes professional or financial advice, nor does any information provided constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. Rate Republic is not responsible for any errors or omissions, or for the results obtained from the use of this information. All loans are subject to approval. Terms and conditions apply.
Please consult with a qualified professional before making any financial decisions.