Rate One Financial, Inc.
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Aaron Howitt

Loan Officer | NMLS: 2314852

Licensed in: CA

25 South Baldwin Avenue
Sierra Madre, CA 91024

Business Description:
Do you already have a loan but need to consolidate some debt? Do you want to get cash out of the equity in your property? Are you selling an investment property to buy a better investment property in a different area? Are you upgrading your home from a 2 bedroom condo to a 3 bedroom house with a backyard? If you answered yes to any of these questions, or have other questions related to mortgage financing, I may be able to help you.
I handle a wide range of residential mortgage transactions all across California. No transaction is too large or too difficult for me and my team. Similarly, no transaction is too small and no question too insignificant. Some of our popular loan programs include all standard, conventional loans as well as FHA, VA, jumbo, reverse, interest only, adjustable-rate mortgages, bank statement income loans, investor cash flow qualifying loans, and more. If there is a mortgage product on the market, we most likely offer it. We also have access to specialty products that allow us to offer our clients a competitive advantage against other financial institutions.
How Business Creates Value:
Many people get frustrated with the home loan process for a number of reasons. For some, the mortgage process can take a long time and your application can drag on for months. Maybe the customer service representative you are dealing with won't give you a clear answer or communicate with you effectively. Unlike other mortgage lenders, I stay in constant communication with my clients, helping them through the whole mortgage process. This means I take you from the initial loan application and issuing your pre-approval letter to signing the final loan documents and funding your loan. If there is a part of the mortgage process my clients find confusing or are unsure about, I make sure to answer their questions comprehensively and without any ambiguity.
At Rate One Financial, Inc., mortgage broker since 2005, we specialize in finding creative solutions to your mortgage needs. No matter the loan scenario, we likely have experience dealing with it. We use our resources and experience to make sure you are satisfied with your mortgage product and service. I am available all hours of the day and week to answer your mortgage questions and service your mortgage needs. Our office is in Sierra Madre, CA where I meet with clients, but I also meet one on one with people at a place of their choice, sometimes in their own home or at an impromptu coffee shop. I have integrity and a straightforward business practice that allows people to make a decision without feeling pressured. I maintain a personal relationship with all my clients to make sure they don't get lost throughout the mortgage process and are fully satisfied by the time their loan funds.
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