About Kelly Manderscheid
Kelly Manderscheid has been helping folks finance homes for over 27 years. Her knowledge and vast experience in the mortgage industry, including stints in underwriting, escrow and closing documentation, enables her to advise clients how to select the right home loan for their financial goals and guide them through the entire loan process. Kelly has delivered a stress-free mortgage experience for more than 6,000 borrowers and continues to surpass homebuyer expectations every day. Kelly's hustle, genuine personality, customer service and her commitment to go above and beyond to close each transaction on time have earned her a spot on Scotsman Guide's Top Originator list for the past 11 years and counting. With extensive knowledge of the wide range of mortgage products, Kelly can discuss many types of home loans including VA, FHA, Conventional, Jumbo, USDA and Non-qualified programs and introduce you to low down payment options and grant programs if you need financial assistance to purchase your first home. Kelly is experienced in working with national and privately-held builders, so she can also guide you confidently through the new construction loan process. In addition to her background and expertise, Kelly is committed to building relationships and delivering personal service to every single customer and business partner. Providing complete transparency, detailed education and ongoing updates, she takes pride in the fact that her customers have a complete understanding of the entire loan process. Borrowers who work with Kelly benefit from using Rate's innovative and secure mobile technology to upload documents for prompt in-house processing, communicate directly with Kelly, and provide loan updates to each person involved in the transaction. Known for her integrity, expertise and hands-on approach to helping families own their dream home, Kelly Manderscheid is a mortgage lender like no other. Kelly's office is located in Temecula, CA and she is licensed in AL, AZ, CA, CO, FL, GA, IL, KS, KY, MO, NV, OH, OK, TN, TX and VA.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 43053 Margarita Rd., Suite B-107 Temecula CA, 92592
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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