About Steve Rammel
Are you searching for an experienced mortgage loan originator in the Monterey Bay Area? I deliver a transparent, consultative process designed to make your mortgage straightforward, predictable and well-managed. I do this using the latest mortgage technology and underwriting tools to secure your loan approval while shopping, making your offer stand out against the competition. I'm known for strong realtor relationships throughout the region and work closely with a network of top local real estate agents to help transactions stay on track. My team and I work closely with you, your Realtor, escrow and the listing agent providing proactive updates, fast problem-solving, and reliable follow-through which is critical in competitive markets where timing and documentation matter. I provide clear guidance on purchase and refinance options, with an education-first approach and consistent communication from application to closing. As a loan originator for 36 years, I primarily serve the communities of the Central Coast and Monterey Bay area but also lend throughout California. Whether you're a first-time homebuyer, moving up, relocating, buying a second home, or looking to lower your payment through a refinance, I offer the local knowledge and mortgage expertise to help you move forward with confidence.
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 519 Seabright Ave., Suite 103 Santa Cruz CA, 95062
*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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