Ratechek

RATECHEK Expert Mortgage Review and Certification

Our Mortgage expert will review and Certify your loan resulting in hidden savings for you.

RATECHEk Certification

Our Mortgage expert will review and Certify your loan resulting in hidden savings for you.

How to get your Loan Certified
Step 1:  Enter your Loan Info

There are 3 ways you can enter your information as follows:

Quick Entry

Quick Entry only takes a minute or 2, our experts will then take a high level look at your entry and see if there is anything obvious that could be out of line with your loan.  For a more detailed certification use one of the other entry methods.

Take pictures or load documents

This is a relatively quick process, just take a picture of any documents that you have that show all of the costs and terms associated with your loan offer.  If you don't currently have something you can ask for an LE (Loan Estimate) or Fee Worksheet from the loan company.  Once you have the documents this process should only take a few minutes.

Item by Item Entry

This is the most comprehensive way to get your loan evaluation.  Although you will enter all your numbers by hand, our experts will have a very detailed picture of your loan which will result in the most accurate evaluation and report.

Get your Loan Certified
Step 1:  Enter your Loan Info

There are 3 ways you can enter your information as follows:

Method 1 - Quick Entry
Quick Entry

Quick Entry only takes a minute or 2, our experts will then take a high level look at your entry and see if there is anything obvious that could be out of line with your loan.  For a more detailed review use one of the other entry methods.

Method 2 - Take Pictures/Load Documents
Take Pictures/Load Documents

This is a relatively quick process, just take a picture of any documents that you have that show all of the costs and terms associated with your loan offer.  If you don't currently have something you can ask for an LE (Loan Estimate) or Fee Worksheet from the loan company.  Once you have the documents this process should only take a few minutes.

Method 3 - Item by Item Entry
Item by Item Entry

This is the most comprehensive way to get your loan evaluation.  Although you will enter all your numbers by hand, our experts will have a very detailed picture of your loan which will result in the most accurate evaluation and report.

Step 2: Expert Review

Once you submit your information our team of experts will go to work examining your loan fees and terms to find any mistakes or hidden savings.  They will review your interest rate, loan fees, title fees, points, origination fees and program choice.  Any of these items could cost you thousands of dollars over 30 years if they are not correct.  These experts will provide a Certification that your interest rate, fees and program are within industry standards and you are not being charged a rate or fees that exceed what you should be paying.

Step 3: Fee/Rate/Program Report and Certification

Once your loan is Certified our experts will provide you with a comprehensive report that will clearly outline any potential savings that they uncovered.  This will arm you with the information you need to save you thousands and get the best possible loan for your situation.

Get My Loan Certified

What Makes us Different

No One Will Call You

There are "other" services that promise you great rates that just end up selling your name to countless mortgage companies who repeatedly call you. Ratechek is different, experts analyze your current loan for hidden savings.

It's a Free Service

Our Experts will review your current loan rate/fees/program at no charge to you, ever. You will not be asked for your credit card, you will not be charged, you will receive our comprehensive Expert review report and Certification without any charge.

Just Great Advice

No Calls, no marketing emails, just great advice from a experts who will make sure you are not making a mistake that could cost you thousands over the next 30 years. Access fantastic information about your loan and more.

Just Get me a Great Lender with Great Rates and Fees

We only provide 1 lender at a time

We do not market your name to the highest bidder or to multiple lenders who will ALL call you.  We provide 1 lender that we think will fit your needs best.  If you want us to send a 2nd lender, we will only do so if you specifically request it.

Best Fees, Best Rates, Best Programs

Ratechek.com experts will evaluate your needs and match you with a lender who has programs, rates and fees that are best suited to your specific situation and pre Certified by RateChek.com.

Continued Expert Monitor/Supervision

Even though we have helped you identify a lender who will meet your needs, we will continue to monitor the transaction with you to make sure that you end up with the rate/fees and program that best fits you.

Get Lender Now

When should I use RateChek ?

Whenever you are considering a home related loan of any kind.  A refinance, purchase, Equity Loan or Construction loan of any kind would qualify for our experts to review and advise you of any hidden savings or overcharges.  If your just getting started or any time before you close on a mortgage of any type, RateChek.com experts are ready to find you savings and Certify your loan.

Experts search for savings

Our Professionals will review your rate and fees at no obligation and provide a comprehensive report for your review. If your rate and fees are comparable to current market rates, for your unique situation, the report will give you peace of mind. If your rate and fees are not competitive and your loan cannot be Certified, the report will give you the information you need to discuss and find a way to acquire the rate and fees you deserve.

60 seconds is all it takes

Use our website or download our app, fill in the information from the LE (Loan Estimate) and RateChek™ will take it from there.  Once you have entered the information and submitted it to RateChek™, our experts will search for savings and provide you with your loan Certification and provide a comprehensive report.

Certify My Loan
Upgrade to RateChek+™

Upgrade to Ratechek+™ and get access to our advanced calculator tools, dedicated, property search tools, account representative, mortgage calculators, daily market updates and more.

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Testimonials

What customers are saying about Ratechek

This service saves me time and money in my search for the best qualified mortgage.
Tom Powell
Facebook
Thank you, Ratechek's Experts gave me an opportunity to evaluate my mortgage and determine if there are better options for me.
Maria Parker
Email
They have eased my worries about the process of getting a loan, and ensure that I am able to get the best rate for me.
Theresa Mason
Experience.com
It is nice to find a tool that helps me choose the best loan for my situation.
Andrew Collins
Facebook
Find Hidden Savings

Sometimes a loan is just right for the borrower, sometimes it is not.  In the case where loans are incorrect a mistake could cause thousands of dollars of extra cost over 30 years.  These are just some of the lenders who we have reviewed.