RateNinja.com - Mortgage Rates Today - Sacramento
Mortgage Broker serving Sacramento, CA
About RateNinja.com - Mortgage Rates Today - Sacramento
Rate Ninja is a dedicated mortgage broker based in San Jose, California, specializing in connecting borrowers with competitive home loan solutions. Founded by Alex Tonkovich, a licensed Mortgage and Real Estate Broker, the company leverages an extensive network of over 200 lending partners to provide a wide array of options for clients across California. Their primary mission is to save borrowers time and money by efficiently navigating the complex mortgage market on their behalf.
The firm offers a comprehensive suite of residential loan products designed to meet diverse financial needs, including Conventional, FHA, VA, Jumbo, DSCR, Stated Income, Bridge, and HELOC options. Rate Ninja prioritizes a streamlined, technology-driven experience, featuring instant rate personalization, online applications, digital document upload, and e-signing capabilities. This digital-first approach ensures efficiency while maintaining personalized support throughout the loan process.
Rate Ninja is committed to delivering exceptional customer service, as reflected by its consistent 5-star ratings across various platforms, including Google and Yelp, from hundreds of satisfied clients. Their dedication to transparency, competitive pricing, and client education positions them as a trusted partner for first-time homebuyers, self-employed individuals, and real estate investors alike, helping them achieve their homeownership and investment goals.
The firm offers a comprehensive suite of residential loan products designed to meet diverse financial needs, including Conventional, FHA, VA, Jumbo, DSCR, Stated Income, Bridge, and HELOC options. Rate Ninja prioritizes a streamlined, technology-driven experience, featuring instant rate personalization, online applications, digital document upload, and e-signing capabilities. This digital-first approach ensures efficiency while maintaining personalized support throughout the loan process.
Rate Ninja is committed to delivering exceptional customer service, as reflected by its consistent 5-star ratings across various platforms, including Google and Yelp, from hundreds of satisfied clients. Their dedication to transparency, competitive pricing, and client education positions them as a trusted partner for first-time homebuyers, self-employed individuals, and real estate investors alike, helping them achieve their homeownership and investment goals.
Company Information
Lender Type: Mortgage Broker
Headquarters: San Jose, CA
Licensed In
CA
Certifications & Credentials
FHA ApprovedVA ApprovedNMLS Approved
Digital Capabilities
Online Application
Digital Document Upload
Rate Calculator
Pre-Qualification Tool
E-Signature
Real-Time Status Updates
Home Loan Products
Conventional Loans
Loan Types:
ConventionalRefinanceCash-Out RefinanceBank Statement
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-OnlyHybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full DocumentationBank Statement
Special Programs:
Low Down Payment ProgramSelf-Employed ProgramBank Statement Program
Available Terms:
10 years15 years20 years25 years30 years
Jumbo Loans
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedInvestor
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
FHA Loans
Loan Types:
FHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
3.5%
Min Down Payment
VA Loans
Loan Types:
VA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramLow Down Payment ProgramNo PMI Program
0
100%
Max LTV
DSCR Loans
Loan Types:
DSCRNon-QMCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Investment PropertySingle-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Investment Property
Employment Types:
Investor
Income Verification:
No Income Verification
Stated Income Loans
Loan Types:
Non-QMBank StatementAsset DepletionRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Investment Property
Occupancy Types:
Investment Property
Employment Types:
Self-EmployedBusiness OwnerInvestor
Income Verification:
Stated IncomeAsset Depletion
Special Programs:
Self-Employed ProgramAsset Depletion Program
Bridge Loans
Loan Types:
Bridge
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
HELOC
Loan Types:
HELOCHome Equity Loan
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Contact Information
530 La Sierra Dr
Sacramento, CA 95864
US
Mailing Address:
3570 Fruitdale Ave, San Jose, CA 95118
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Business Information
Category: Mortgage Broker
Location: Sacramento, CA
Status: Standard
Type: Mortgage Broker
NMLS ID: 2017260
Profile Views: 0
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