About Jen Ross
Hey there! I'm Jen, as your dedicated Mortgage Loan Originator, I'm passionate about helping individuals and families feel confident and supported throughout the home financing process. I bring a unique perspective shaped by years in real estate and a life spent living across the country from California and Arizona to Nevada, South Carolina, Tennessee, and now North Carolina. Experiencing so many markets firsthand has strengthened my ability to understand the needs of diverse buyers and provide tailored lending solutions that truly fit their goals. These experiences gave me a deep appreciation for how unique every housing market (and every homeowner!) truly is. Whether you're a first-time buyer, a seasoned investor, or someone looking to refinance, I'm here to make the mortgage process smooth, transparent, and actually enjoyable. I pride myself on fast communication, clear guidance, and personalized solutions that fit your goals. When I'm not helping clients navigate their next move, you'll find me outside hiking, camping, traveling, or riding my dirt bike. I bring that same energy, drive, and sense of adventure to my work, always pushing to go the extra mile for the people I serve. If you're ready for a mortgage experience that feels supportive, proactive, and genuinely enthusiastic, I'm your person. Let's get you home! *Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*
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.
We're in your pocket
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
Download our app
Now available on
Located at 1511 Sunday Drive, Suite 302 Raleigh NC, 27607
*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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