Jeff Richards at Guaranteed Rate

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

05/21/2025

Self-employed, small business owners, independent contractors, freelancers, consultant and gig workers who need a home loan – Rate Portfolio has your back. We focus on your full financial picture to give you more ways to qualify. And that means an easier path to homeownership. Reach out today!

http://rate.com/lp/rate-portfolio?LOID=17485

05/14/2025

Real estate investors have more ways to qualify for a home loan with Rate Portfolio. At Rate, a variety of property types qualify, with no income needed. Use rental income or cashflow to apply. Discover an easier way to get approved for your next property. Reach out today!

http://rate.com/lp/rate-portfolio?LOID=17485

05/02/2025

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfolio – our suite of Non-QM loans for self-employed individuals, investors and borrower who have assets or non-traditional income streams. Offer the loan options that fit their unique income – and grow your business.

http://rate.com/lp/rate-portfolio?LOID=17485

02/18/2025

With Rate’s asset utilization loans, high-net-worth buyers could qualify for mortgages using sources like bonds, savings and retirement accounts — no income or employment verification required. Options include loan amounts up to $3.5M, flexible terms and the ability to buy or refinance. Learn more today.

http://Rate.com/jeffrichards

11/06/2024

Huge congrats to team member, David Black, on achieving the prestigious President’s Club! 🎉 We are so proud of your hard work and dedication.
To the entire David Black team - your passion inspires us every day. Cheers to many more triumphs ahead.

11/01/2024

Active and Veteran service members, your savings start here. Rate was recently named “Best for Low Lender Fees” on VA loans by Forbes Advisor. Find out how much you can save on a mortgage or refinance with a lender that supports your financial goals – get started now.

http://Rate.com/jeffrichards

10/02/2024

Big news! We’re increasing our conforming loan limits to $792,000 ahead of the official FHFA announcement! This means more financing options for your clients as they pursue their dream homes. Let’s take advantage of this opportunity together!

http://Rate.com/jeffrichards

09/25/2024

With conforming loan limits increasing to $792,000, you’re more empowered than ever to buy the home you’ve always wanted. Whether you’re looking to purchase or refinance, now’s the time to take advantage of these expanded limits. Rate is one of the few lenders providing this opportunity, so contact me to help unlock your potential.

http://Rate.com/jeffrichards

07/12/2024

We’re rebranding as Rate. Just like our streamlined name, we’re committed to making the mortgage process smoother, faster and smarter. It’s more than a new name. It’s a new era. Welcome to the future of mortgage lending.

http://Rate.com/jeffrichards

06/05/2024