Safe Rate

Safe Rate is a direct mortgage lender founded on the principle of empowering homeowners to achieve the lowest possible mortgage rates. Established by Dylan Hall and Shima Rayej, whose backgrounds include addressing the impact of poor lending practices and researching financial crises, the company aims to simplify the mortgage shopping experience.

Distinguishing itself from traditional lenders, Safe Rate encourages rate comparison, even offering to beat competitors' loan estimates through its unique "Beat This Rate" chat feature. They also provide a "Refinance Me" chat feature that informs homeowners when interest rates are favorable for refinancing. The company prides itself on offering its best rate upfront, avoiding hidden fees or points, and maintaining strict transparency, including acknowledging when they cannot offer the most competitive rate.

Safe Rate's core mission is to save homeowners significant money annually by prioritizing customer savings over traditional sales pitches. With a reported 85% success rate in winning loans, they are committed to making mortgage acquisition easy, transparent, and user-centric, ensuring clients keep more of their hard-earned money.