About Samantha Back
I have been a licensed Loan Originator since 2005 and feel incredibly fortunate to have built a career I'm truly passionate about. Helping clients achieve their financial goals and guiding them toward homeownership is the most rewarding part of what I do. A mortgage is one of the most significant financial decisions most people will make. Whether you're purchasing your first home or refinancing, my priority is to ensure a smooth, transparent process while helping you find the loan program that best fits your needs. I'm committed to setting clear expectations, communicating consistently, and providing solutions when challenges arise. If you're not quite ready to qualify, I'll work with you to create a plan so you can get there with confidence. I began my career in San Jose, CA, and now live in Sacramento County with my supportive husband, our two beautiful daughters, and our dog, Patches. Outside of work, I enjoy spending time with my family, golfing, and traveling. I've had the privilege of helping clients throughout California with both purchase and refinance goals. Through Rate, I'm also able to lend in all 50 states and offer a wide range of loan programs, including Conventional, Jumbo, FHA, VA, USDA, Down Payment Assistance, and Non-QM loans. I'm here to guide you every step of the way—from start to finish. I am fluent in English and Lao. I can be reached any time on my cell phone at 408.887.5030 or via email at [email protected].
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
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Located at 3017 Douglas Boulevard, Suite 300 Office 59 Roseville CA, 95661
*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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