Based on leadership experience prior to Rate Hero
Not Sure If This Deal Qualifies?
Ask Bolt in 60 Seconds.
Tell Bolt your deal — price, rent, loan amount, and timeline — and it'll tell you what may work. No SSN. No credit pull. No sales pressure.
Available 24/7 · No credit pull · Hands off to a strategist anytime
What Best Describes Your Situation?
Select your situation and we'll match you to the right program instantly.
Not sure? Take the 60-second quiz →
Top markets: Florida · Texas · Georgia · North Carolina · Tennessee
Find Your Perfect Program
Whether you're buying your first home, expanding a rental portfolio, or pulling equity — we have a loan built for your exact situation.
Long-Term Rental Loans
The property pays the mortgage. Qualify on rental cash flow — no W-2s, no tax returns, no income limits.
Non-QM Loans
Bank statements, P&L, or assets instead of W-2s. If the banks said no, this is your path forward.
Conventional / FHA / VA
W-2 income, strong credit, or veteran status? We find the best rate across conventional, FHA, and VA programs for your exact situation — period.
HELOCs
Borrow up to 90% of your home's value as a revolving line. Fund renovations, investments, or anything else.
Foreign National Loans
No US credit history. No SSN. Non-residents can finance US investment properties with alternative documentation.
Short-Term Rental Loans
We use your actual platform income — or AirDNA projections — to qualify. No rental history needed.
Not sure which program?
⚡ Take the 60-Second Quiz →Four Steps.
21 Days.
We've stripped the process down to the bare minimum. No unnecessary paperwork. No back-and-forth for docs you shouldn't need to provide.
No SSN · No credit pull · 2 minutes
We're In Your Corner.
The mortgage industry was built to serve banks, not borrowers. We built Rate Hero to change that — with faster closings, better programs, and advisors who actually pick up the phone.
Swipe for more reasons ›
21-day average close time. We move fast because our process is tight — not because we cut corners.
We leverage our in-house expertise and deep lender relationships to structure your loan for the best rate and terms.
Self-employed, investors, foreign nationals, low credit — we have programs for borrowers the big banks turn away.
No bait-and-switch rates. No hidden fees. You will know exactly what you are getting before you sign anything.
Keep investments off your personal credit. We close loans in LLCs, partnerships, trusts, and other entity structures.
