Chad has been in the industry for 26 years specializing in Conventional & Jumbo Lending. He is currently among the top 1% of mortgage originators in America according to Mortgage Executive Magazine, a recipient of the prestigious award of Chairman's Club, funding $107 million in closed loans in 2020. Chad was also awarded President's Club member consecutively over the past seven years. His business has increased significantly due to his strong work ethic, honesty, integrity, and attention to detail. He is committed to improving the loan approval to closing process while still providing a personal experience for each of his clients. Chad's clients can expect to develop a personal relationship with him and quick, accurate answers to any specific questions or concerns they may have throughout the loan process. 100% of Chad's business is referral based because his past clients and referral partners have full confidence that he will get deals done. Chad is also an active member of his community. He is a Board Member of Lifeline Colorado and an active volunteer and supporter of Catholic Charities. Chad was born and raised in Minnesota and has two daughters with his wife Laurel.

SVP of Mortgage Lending

Chad Drachenberg is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chad at (303) 861-5412 for more information!

Chad Drachenberg at Rate (NMLS #223413)

I started in the mortgage business in 2010. I previously worked in public policy, as a budget analyst for the state legislature. My husband, a realtor for 20 years, suggested I might enjoy the mortgage industry. I really love helping people with their home loans, ranging from the first-time home buyers to someone wanting to refinance in preparation for retirement. It's so rewarding and really an honor to help people with what is sometimes the most significant financial decision they will make in their lifetime.

Vice President of Mortgage Lending

Wendi Mahoney is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Wendi is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Wendi at (303) 285-1619 for more information!

Wendi Mahoney at Rate (NMLS #445993)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

VP Mortgage Lending, Retail Support Partner

Tanya Grimm is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tanya is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tanya at (303) 861-8690 for more information!

Tanya Grimm at Rate (NMLS #1755576)

A Colorado Springs resident since the age of 4, my mission is to serve my community as their lifelong mortgage advisor.  
I'm known as one of the industry's youngest leaders – funding over $500 million and helping over 1,500 families in the first five years of my career. I constantly strive to give back, especially to our Veterans. My expertise in mortgage products for those who serve our nation led to Scotsman Guide naming me in the top 25 in VA Mortgage Volume in both their 2022 and 2023 U.S. Top Originator rankings.  
Whether working with a first-time homebuyer or a long-time property investor, I take the time to listen and understand, so I can construct a custom mortgage solution for each scenario. My fast, efficient process helps clients realize their real estate goals and build generational wealth.  
Give me a call today for a complimentary mortgage consultation!


**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.**  
**Rate is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.**

Producing Branch Manager

Chris Franquemont is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chris is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chris at (719) 309-0406 for more information!

Chris Franquemont at Rate (NMLS #1435075)

Kristin has been a mortgage industry leader for the past 20 years.  Serving customers nationwide.  Graduated from San Diego State University with a B.S. in finance and a minor in economics.

Kristin Warren is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kristin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kristin at (303) 285-1631 for more information!

Kristin Warren at Rate (NMLS #631457)

I started in the mortgage business in March of 2007 with Rate in Chicago.  My wife and I moved to Denver at the end of 2012 and could not be happier with our decision. I have always enjoyed developing new relationships with clients, and working to provide them with the best service to meet their financing needs.  Helping with one of life's biggest purchases is a great honor and something I take very seriously.

Ryan Fellner is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ryan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ryan at (303) 285-1615 for more information!

Ryan Fellner at Rate (NMLS #206461)

Jennifer Fairfield grew up in Palos Verdes, California and graduated from the University of Southern California. She moved to Colorado in 1999 to be closer to family and enjoy the many outdoor activities the state has to offer.


Her parents were self-employed business owners and instilled in her a strong work ethic as well as the importance of having straightforward and honest conversations. During her many years in the mortgage industry, she learned there is no such thing as "typical" when it comes to her clients. Each client is unique with different needs and goals. By really listening, she presents options and solutions that best meet their goals. She will work hard on your behalf and leaves no stone unturned when structuring your loan. There are many facets to a real estate transaction, and stress from the financing should not be one of them! With open lines of communication and complete accessibility, Jennifer and her team will guide you through the process keeping you informed and excited about the end result - start to finish accountability. It's Jennifer's mission to deliver consistently high-quality service year after year. Trust can't be bought; it can only be earned. At the root of Jennifer's core values is the intent to earn your trust.


If you are concerned about affordability or down payments, she will take the time to educate you on the various programs available that can make homeownership possible. First home, vacation home, or investment properties – she and her award-winning team welcome the opportunity to serve you and earn your trust!

Producing Branch Manager/SVP Mortgage Lending

Jennifer Fairfield is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jennifer is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jennifer at (303) 285-1607 for more information!

Jennifer Fairfield at Rate (NMLS #224189)

VP of Mortgage Lending

Patrick Fairfield is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Patrick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Patrick at (303) 861-5414 for more information!

Patrick Fairfield at Rate (NMLS #1951149)

Bibo grew up in Turkey, graduated from Universite Catholique de Louvain, Belgium and moved to Denver in 1980. Bibo is fluent in French, Turkish and Arabic. He has worked with all the top real estate offices in the Denver metro area.    Throughout his 24 years in the mortgage industry, Bibo has always aspired to serve his clients with a variety of high quality loan programs that are tailored to their unique financial needs and situation.  Because of his scientific background, Bibo attends to the smallest of details in your loan process, before, during and after.  While most people purchase or refinance only a few times, they are not fully aware of the ever-changing regulations. Bibo does it every day. He delights in guiding his clients around the pitfalls that many experience.  Bibo is a great listener and engages his clients in concise and precise conversations.  Therefore, he communicates with diligence, enthusiasm and persistence to make sure that his clients are always informed during the loan process.  From start to finish, Bibo and his team are all about accountability and responsibility!

Bibo Diyab is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bibo is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bibo at (720) 910-2080 for more information!

Bibo Diyab at Rate (NMLS #196095)

•33 years originating loans  • Straightforward, knowledgeable and unbiased advice

SVP Regional Manager

Derek Bamonte is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Derek is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Derek at (303) 861-5402 for more information!

Derek Bamonte at Rate (NMLS #223032)

As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, I am committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact me for more information!

Kenny Greene is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kenny is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kenny at (720) 716-8019 for more information!

Kenny Greene at Rate (NMLS #1371248)

Oh hi there!  
My name is Kody Miller, and I'm a dedicated Mortgage Loan Officer in Colorado. As a Colorado native, I take pride in helping individuals and families navigate one of the biggest financial decisions of their lives—buying a home. I'm passionate about making the mortgage process as smooth, stress-free, and FUN as possible. My main goal is to ensure that from our initial call until I am sitting with you at the closing table and far beyond, that you feel supported, knowledgeable, and confident as we work through the loan process. That being said, I am available 7 days per week to help and assist!  
Outside of work, I have a deep love for all things cars and enjoy the freedom of riding my Harley and taking in all that this beautiful state has to offer. My biggest motivation in life is my beautiful wife and our two incredible young children—they are my "WHY" and the reason I strive to make a difference every day!


**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.**

Kody Miller is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kody is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kody at (719) 325-2596 for more information!

Kody Miller at Rate (NMLS #2271233)

Area Manager

GERENTE_DE_áREA_PRODUCTOR

Scott Maltzahn is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Scott is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Scott at (303) 376-9333 for more information!

Scott Maltzahn at Rate (NMLS #145345)

Hi, my name is Travis Drinkwine, and I'm a VP of Mortgage Lending at Guaranteed Rate. With my Military background and years of service to our country, I specialize in VA loans. However, I'm well-versed in all types of mortgages and won't quit until I find the right loan to get you into your dream home.  
With an enthusiastic personality and a willingness to go above and beyond, I'm ready to guide you home. I'll make myself available day or night, rain, or shine, to ensure your loan transaction is handled as smoothly as possible. I look forward to answering your call!  
A little about me: I grew up in Wisconsin but moved often during my time in the Military with my wife, daughter, and son. In my free time, I like to golf, hunt, fish, and BBQ with my friends and family.


**Rate has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.**

Travis Drinkwine is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Travis is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Travis at (719) 325-2601 for more information!

Travis Drinkwine at Rate (NMLS #1941461)

Producing Partnership Area Manager

Tom Crowder is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tom is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tom at (303) 728-7685 for more information!

Tom Crowder at Rate (NMLS #1515975)

After serving as a Communications Sergeant, Intelligence Sergeant, and Operations Sergeant in the 10th Special Forces Group through multiple deployments, Michael retired from the Army in 2017. Though no longer in the military, Michael wanted to continue to serve those who have served and who continue to serve this great nation. As a former Real Estate agent and current Mortgage Loan Originator based out of Colorado Springs, he focuses heavily on the VA Home Loan Benefit to help educate as many veterans and real estate professionals as he can. Michael prides himself on his work ethic and attention to detail, and he puts those traits to work for all his clients. It's not about money or prestige, it's about putting military families in the best possible financial position going forward.


Guaranteed Rate has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

Mike Lindsay is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (907) 671-7055 for more information!

Mike Lindsay at Rate (NMLS #2215322)

Will Griffiths is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Will is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Will at (970) 208-0553 for more information!

Will Griffiths at Rate (NMLS #36542)

I have over 20 years of experience in the mortgage industry, providing exceptional service to homebuyers and homeowners all over the United States. With my experience I am able to get creative and find the best possible solutions for your mortgage needs. As your trusted mortgage advisor, you can count on me to make sure you understand all of your options and are comfortable with all decisions as you move through the loan process. My goal is to make dreams come true and change lives one home loan at a time. I look forward to walking with you on your home loan journey.

Lori Mostrom is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lori is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lori at (720) 302-9992 for more information!

Lori Mostrom at Rate (NMLS #1135473)

Senior Mortgage Executive with over 30 years of corporate, subsidiary and divisional experience within Fortune 500 Companies in financial services and mortgage banking. A recognized leader in strategy development and execution, operational and sales management, recruitment and personnel development and leadership of diverse sales teams in multiple markets and regions.

SVP Producing Regional Manager

Shawn Watts is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Shawn is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Shawn at (303) 285-1623 for more information!

Shawn Watts at Rate (NMLS #492267)

Introducing Jessica Jones, an esteemed professional in the mortgage industry with a profound understanding of the market, dedicated to serving home buyers and real estate agents alike. As the driving force, she has established a national reputation for unparalleled expertise and exceptional service, making the dream of homeownership a reality for countless individuals.  
With over 22 years of experience, Jessica, has diligently navigated the intricacies of the mortgage industry, gaining invaluable insights along the way. A visionary leader, Jessica spearheads a team of skilled professionals dedicated to providing tailored financing solutions.


Outside the realm of Rate, Jessica is enjoy life with three beautiful daughters and loves to golf!

Jessica Jones is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jessica is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jessica at (719) 325-2090 for more information!

Jessica Jones at Rate (NMLS #1640430)

Hi, I'm Taylor, and I'm here to help make your mortgage journey a success! As a loan officer in Colorado Springs, CO, I'm passionate about turning homeownership dreams into reality in the community I love.  
Whether you're buying or refinancing, I know the mortgage process can feel overwhelming. But with my expertise, you can rest easy. My team and I have years of experience guiding clients through every step, ensuring you close with confidence. I'll break things down in simple terms, walk you through the home financing process, and do everything I can to help you go from pre-approval to settling into your new home smoothly.  
At Guaranteed Rate, we offer more than just a hassle-free process – we provide a wide range of mortgage options. From conventional, FHA, VA, and USDA loans to unique programs you won't find elsewhere, we've got you covered.  
Ready to take the first step toward homeownership? Contact me today and let's make your mortgage a success!


**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.**  
**Rate has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.**

Taylor Todd is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Taylor is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Taylor at (719) 368-8021 for more information!

Taylor Todd at Rate (NMLS #2598277)

I've spent over 3 decades in the housing market, and absolutely love helping my clients save money when buying or refinancing a home. My teams success is backed up with awards, such as earning the Five-Star Mortgage Professional designation for many years, and also ranking in the Top 1% of all Loan Originators nationally for more than a decade. We know how to serve our clients to their benefit, whether your first home purchase, or 10th investment home!  
I love using our proprietary wealth-building strategy through proper home equity management. This many times includes a Reverse Mortgage among other options. We know how to position your home financing for success!  
My team & I can facilitate loans in every state except New York, so be sure to reach out when and where needed! Doesn't matter if you are a first-timer, or a veteran at homeownership and financing.  
Outside of work, you'll find me spending time with my wife, 2 daughters (& their spouses), and our American Eskimo puppy. I love home improvement projects, watching sports, and playing drums at my local church.


**Savings, if any, vary based on the consumer's credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.**  
**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.**

Eric Newman is your Denver local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Eric is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Eric at (719) 313-3570 for more information!

Eric Newman at Rate (NMLS #97776)

Denver

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about Rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at Rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.rate.com/insurance" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us </strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/@Rate_Official"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/rate_official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/rate-official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://x.com/Rate_Mortgages"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/official.Rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Rate Logo"
                            data-src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            width="98"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
<p>
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
</p>
<p>
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. 
</p>
<p>
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
</p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2025 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


22 Loan Officers Denver, CO