Silicon Valley based · Built for equity-weighted borrowers
Most of your net worth isn’t on a W‑2.
At RateSecure, we ask a different question: not whether your income fits a form written for a salaried borrower, but what your balance sheet actually supports.
We serve the innovation economy. Wealth here is created faster than lending guidelines can describe it, so we structure every loan individually — for today’s buyers, and for what comes next. Financing a home should never cost you the upside you took the risk to build.
Execution
Speed is a structural advantage, not a slogan.
The numbers above are operating results, not promises. Loans slow down for predictable reasons, so we work the hard part first and prepare everything up front — backed by more than twenty years originating in this market.
Our structured approach
Every loan runs the same disciplined process. What varies is the structure we build around your circumstances.
We front-load the hard part
The difficult document gets examined at intake, not in week three when there is no room left to structure around it.
Exceptions surface early
If a date comes under pressure you hear it while there is still time to act.
The problem
Agency guidelines were never written for equity.
Standard underwriting assumes a salaried borrower with two years of near-identical pay stubs. That assumption describes a shrinking share of the people buying homes in this market — and it fails them in four specific, predictable ways.
Compensation isn’t salary
A modest draw against a meaningful cap table position. RSUs vesting unevenly. Options not yet exercised. Standard underwriting reads the W-2 and stops.
The equity is illiquid
No ticker, no daily mark, no valuation input. Given nothing to reference, underwriting defaults your holdings to zero.
Selling costs you twice
Liquidating for a down payment triggers a tax bill today and forfeits the growth you took years of risk to earn.
Timelines are leverage
In a competitive offer a 45-day close loses to a 10-day close. Slow underwriting is the reason the offer was rejected.
What we take on
Hand us the complexity. Take back an approval.
Unexercised options. Uneven vesting. Income across three entities. A K-1 that raises more questions than it answers.
Those are the parts other lenders flag and send back to you. Here they move to our side of the table. We do the structuring, carry the documentation, and return a fully underwritten approval. We turn that into homeownership.
- You send what you already have — returns, statements, grant documents, cap table detail.
- We determine which qualification path your assets actually support, and what each one costs.
- We structure and prepare everything up front, so questions get resolved rather than queued.
- You receive a clean approval, a closing date that holds, and a path to homeownership — with your position intact.
Referral partners
Why other professionals send us their clients.
Advisors, accountants, agents, and builders each have a different thing at stake in a mortgage. What they have in common is that a badly structured loan creates a problem they have to clean up.
Wealth & investment advisors
The fastest way to lose assets under management is a client liquidating a portfolio for a down payment. We qualify against the balance sheet rather than consuming it.
CPAs & tax advisors
An unplanned liquidation is a capital gains event you did not model and have to explain in April. We structure around the position instead of through it.
Real estate agents
A pre-approval is only useful if it survives review. We work the difficult part through before your client writes an offer.
Builders
Long delivery timelines expose you to rate moves, expired approvals, and buyers whose income changed mid-build. We tell you early — not at the walkthrough.
Common questions
What buyers actually ask us.
Do you only work with founders and tech equity?
No. Complex files are what we are known for, but we are a full agency shop — conventional, FHA, VA, USDA, and down payment assistance. A straightforward loan gets the same underwriting attention and the same timeline.
Do I have to sell stock for the down payment?
Usually no. There are several ways to document a down payment and qualify without unwinding a position — which one applies depends on how your assets are held.
My equity is in a private company. Does it count?
It depends on its form, whether it is vested, and what documentation exists around valuation. Illiquid private equity is treated differently from vested public shares. Worth a conversation early, because the answer shapes the whole structure.
My income does not look like a pay stub.
Common here, and it is the specific problem we built around — whether that is a below-market salary against real ownership, a business with aggressive write-offs, or income that arrives in irregular pieces. Income and wealth are not the same thing, and a lender that only reads pay stubs will decline someone who is, in reality, very strong.
I own a business — or a few. Does that complicate things?
It means more documents, not a harder answer. Multiple entities, partnership and S-corp returns, K-1s, and ownership split across several businesses take reading rather than a formula, and a lender who sees one of these a year will get it wrong. Where returns understate what a business actually earns, alternative documentation can qualify you on deposits or a balance sheet instead. Send the whole picture early and we will tell you which route is cleanest.
I am buying my first home. Am I too small a client?
No. First-time buyers get the same underwriting and the same speed, and there is more help available than most people expect — including down payment assistance. The questions are simply different ones.
How much do I actually need for a down payment?
Usually less than people assume. Plenty of loans go well below 20%, and in some cases putting less down and leaving cash invested is the better trade. The right number depends on the price, the property, and what you would give up to raise the money — which is a conversation, not a formula.
Why are there no rates posted on this site?
Because a posted rate is almost always wrong for the person reading it. Real pricing depends on credit, loan-to-value, occupancy, property type, loan amount, and the market at the moment you lock. We would rather quote you once, accurately.
1 Close rate and average clear-to-close reflect RateSecure's internal production records and are not a guarantee of any individual result. Clear to close means the loan has been cleared for closing documents; the full transaction timeline depends on appraisal, title, and contract terms. 2 Career volume and years of experience represent the cumulative production and tenure of RateSecure loan officers and leadership, earned prior to and during their time with RateSecure Financial, Inc. They do not represent the company’s own funded volume or its years in operation. Individual results vary. All loans subject to credit approval.
Get in touch
Bring us the situation everyone else called complicated.
A short conversation, no credit pull, and a straight answer about how your equity can be structured into a closing — with your position intact.