US BankRate.com is a leading online marketplace that
provides consumers with the ability to search through
thousands of loan programs, lenders and rates. By simply
completing a short online form, consumers are immediately
connected to the best mortgage lender and program in
minutes. Our completely automated system analyzes the
data submitted on the short form and immediately selects
the best loan program and rate for the consumer. Once
our automated engine completes its analysis, the findings
are directed to the best investor/program and in turn,
the consumer is then contacted by up to 5 lenders within
4 hours (for inquiries submitted before 1PM EST).
Expertise and Relationships
USBankrate.com has developed direct relationships with
over 30 of the nations leading mortgage investors. Our
company has succeeded on the strength of its expertise,
its relationships, and its competitiveness. Our management
team leverages these assets to attract corporate clients,
and through our network of relationships we can connect
consumers with reduced-rate mortgages and fees. This
practice has paid dividends in the number and quality
mortgage programs that we can offer to consumers.
USBankRate.com believes in the intelligent application
of technology to streamline every aspect of the lending
process and connect all the parties associated with
the lending transaction. The company has built a Web-enabled
infrastructure employing the industry's most advanced
technology to improve back-office efficiency and connect
consumers with the best program for each individual’s
credit and income history.
We have harnessed Web-based links to Fannie Mae, Freddie
Mac, and other lending engines to produce one of the
fastest turnaround times in the industry. These capabilities
allow us to empower consumers by not only directing
them to the best loan program, but to the lender with
the lowest rate and fees. Our Web-based system automatically
directs consumer requests to the best mortgage investor.
The company is completely automated enabling us to keep
our expenses low and thus, pass along these savings
in the form of exceptional service to the consumer.
Moreover, we continually evaluate the industry's changing
needs and emerging technologies to find the appropriate
balance of service and profitability.
In addition to judiciously applying technology, we have
also organized and trained our people to work with intelligence
and efficiency. The company staffs a full-time web-development
team and a full time client relations team that works
in conjunction with our in-house underwriting consultants.
This system makes for fast, seamless connections between
lenders and consumers.
USBankRate.com connects consumers with the widest array
of mortgage products designed to address market competition
and meet the needs of increasingly market-savvy consumers.
We offer 1157 loan programs for credit ratings ranging
from A to D. In addition, we connect consumers to investors
that provide Conventional and FHA loans, 95 percent
NINAs, 107 percent financing for first mortgages, COFI
and MTA loans, and a variety of other niche products.
Most importantly, the company maintains very close relationships
with our investors, which gives us flexibility in underwriting
and allows us to connect consumers to the very best
pricing available on all loans.