About Tammy O'Malley
Tammy has lived in Faribault since 1980. She and her family enjoy the small town living that Faribault offers. Tammy believes in giving back to her community. She is as an Ambassador to the Chamber of Commerce as well as being a member of Faribault’s Business Networking organization promoting networking among local business professionals. Tammy began her career as a mortgage originator the spring of 2000 and served her customers originating loans until the fall of 2009. From 2010 to 2015, Tammy worked for Wells Fargo Home Mortgage in their renovation department and served as a manager in that department for 3 years. In 2015 Tammy decided to follow her heart to be a Senior Mortgage Consultant and is happy to once again be originating loans for her customers. She has a work ethic second to none and always strives to help her clients understand the mortgage process, leaving no questions unanswered. Tammy dedicates her efforts by making the mortgage approval process proceed as smoothly as possible, without worry for both customers and their real estate agents. “I understand that the home mortgage financing process can be very overwhelming. As a Mortgage Originator, I work with my clients from beginning to end, making sure they understand every step of the process.”
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 1941 Cardinal Lane, Suite C Faribault MN, 55021
*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.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.