Joel Panduro, NMLS 832928

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United States
Las Vegas, NV
Joel Panduro, NMLS 832928

I am a VP of Mortgage Lending at Rate. Personal NMLS #832928. Rate #2611.
(1)

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.

10/15/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/ceY0tWVDnPe/JLGF6

NMLS # 832928

10/14/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/ceY0tWVDnPe/SafwK

NMLS # 832928

10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/ceY0tWVDnPe/Tofgo

NMLS # 832928

10/08/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/ceY0tWVDnPe/GOzDl

NMLS # 832928

10/07/2026

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.
https://myoc.io/ceY0tWVDnPe/ef3xh

NMLS # 832928

10/05/2026

Instead of waiting for the market to give you a sign, find what makes sense for you. Remember, there’s no universal green light signaling it’s time to buy your home. I can help you evaluate your finances, goals and timeline alongside your market’s activity to see when your best moment is.
https://myoc.io/ceY0tWVDnPe/7Tpwt

NMLS # 832928

10/01/2026

Plot twist: Your emoji may have opened a new door you hadn’t considered.

All fun and games aside, there are more options out there than the traditional single-family home. Different property types come with different financing considerations. When you’re ready to explore, I’m here to help find what works for you.

Share this with a friend and comment your emoji below!
https://myoc.io/ceY0tWVDnPe/IWg1C

NMLS # 832928

09/30/2026

You don’t always need to put 20% down. While PMI (Private Mortgage Insurance) is often required on certain loans, it’s also a powerful tool that can help qualified buyers purchase their home sooner, without having to wait and save up for a larger down payment. The more you know, the more options you have.

Ready to expand your homebuying vocabulary?
https://myoc.io/ceY0tWVDnPe/8cvmI

NMLS # 832928

09/29/2026

Buying a home may be a long-term investment, but it could pay you back over time through equity. While renting may seem like the “easy route,” it may be preventing you from achieving financial goals down the line.

Thinking about putting your money toward something you’ll actually own? Let’s talk about your options.
https://myoc.io/ceY0tWVDnPe/aJMnW

NMLS # 832928

09/24/2026

Buying a home is a team effort. Behind every successful closing is a dedicated group collaborating to achieve the same goal. From you (the buyer) to me (the Loan Officer) and everyone in between, each player takes care of an important role. If you have questions about the homebuying process, I’m happy to discuss them further.

Let’s kick this off together.
https://myoc.io/ceY0tWVDnPe

NMLS # 832928

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.

Address

9275 W Russell Road Suite 275
Las Vegas, NV
89148

Website

https://www.rate.com/loan-officers/joel-panduro-832928

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