Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
Thank you for visiting our website. Direct Rate Mortgage offers highly competitive rates through our direct to consumer lending channel (no middleman). We do this with transparency, service, speed, and a human touch. To meet these requirements, we offer an engaging, concierge user experience. We have been helping clients with our services since 2002.
We still maintain a local, client-focused business model. Direct Rate Mortgage provides an intuitive borrower portal that offers simple, transparent interaction, the ability to easily, safely, and securely upload and store documents with real-time status updates and the ability to engage with experienced lending professionals at any point in the process. Choosing a mortgage lender is a major decision, and we take our jobs as lending professionals very seriously. Please consider us for an opportunity to earn your business.
I have worked with Jeff Morelock for several years. He has always shown himself to be trustworthy, helpful and he truly cares about his clients. What I appreciate are his communication skills. Jeff always kept me in the loop so…read more →
My experiences with Jeff Morelock have been nothing but informative and motivational. Our conversations always end with me being confident in his plan and what direction we are heading together. As a Realtor, it gives me great comfort when he…read more →
We would like to take a moment to both thank and praise Jeff for his hard work and dedication to seeing my aspirations of becoming a homeowner come to fruition. As a first time buyer, I was unaware and honestly…read more →
Jeff Morelock is a great lending agent to work with. He is always available to answer any questions I may have. He is professional and provides quick turnarounds. My clients have all been really pleased with his service. I highly…read more →
I've been a Realtor for quite some time now, and Jeff is one of the very few people I recommend to my buyers on a consistent basis. He has gone above and beyond to help my clients achieve their homeownership…read more →
Kevin Whatley has more attributes than I was allowed to list in the top attribute description. I know Kevin on a professional level as well as a friend. His principles and integrity do not change from business to friend. He…read more →
Kevin’s knowledge of the mortgage industry and his professionalism make him the premier mortgage banker in our area. Kevin goes out of his way to explain the dynamics surrounding such an important transaction in every homeowner’s life.
I was referred to Direct Rate by my real estate agent. They had a better rate than the other places I discussed a mortgage with, so I went with them for my home purchase. All I can say is these…read more →
Closing delays are one of the many unintended consequences of recent government regulation. Mortgage lenders are required to prepare a "Closing Disclosure" and adhere to the timelines illustrated below. Any…
How does the FED impact interest rates? The Federal Reserve Open Market Committee (FOMC) meets at least eight times per year to discuss and vote on US monetary policy. The…
Some Highlights: The Veterans Administration (VA) Home Loan is a benefit that is available to more than 22 million veterans & 2 million active duty service members which helps them…