About Rob Shepherd
With over 27 years of experience in the mortgage industry, I have built my career on providing expert guidance and personalized financing solutions for homebuyers and homeowners. I got into the mortgage business because I was drawn to its dynamic nature and the opportunity to help people achieve homeownership—something many don't realize is within their reach. Buying a home is one of the most significant financial decisions a person can make, and I take pride in helping my clients navigate the process with confidence. My background in Economics from Lynchburg College has equipped me with the ability to analyze global and local economic trends and their impact on interest rates. This allows me to provide strategic advice on when to lock in the best rates for home purchases and refinances. I currently live in Severna Park, MD, with my wife Erin, our son Ashby, and our Yellow Lab, Shep. Outside of work, I enjoy boating,golfing, fishing, and spending quality time with family and friends.
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.
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The Rate App allows you to:
Monitor your loan status
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Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 10320 Little Patuxent Pkwy, Suite 1140 Columbia MD, 21044
*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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