Rates & Realty was built for borrowers who expect more — faster approvals, smarter tools, and loan officers who treat you like a person, not a file number.
We started Rates & Realty after experiencing firsthand how broken the mortgage process could be — slow response times, mountains of paperwork, and loan officers who disappeared after the application was submitted.
Our mission is simple: use technology to make homebuying faster and less stressful, while keeping the human expertise that matters most when you're making the biggest financial decision of your life.
We saw borrowers getting lost in the conventional mortgage process. We built a platform combining AI-powered tools with experienced loan officers.
We now offer 8 loan programs — from FHA for first-time buyers to DSCR and bank statement for investors and self-employed borrowers.
500+ closed loans and counting. Our team is licensed, experienced, and committed to getting your deal done right.
Licensed, experienced, and personally invested in your success.
Rene Duarte is an Orange County-based Mortgage Loan Originator specializing in residential and investment property financing. With deep expertise in FHA, Conventional, VA, DSCR, and down payment assistance programs, Rene helps first-time buyers, move-up buyers, and real estate investors across California navigate the mortgage process with confidence.
Get pre-approved in 24 hours. No credit pull at this stage.