Nicole Santizo at Rate (NMLS #582907)

I had an outstanding experience working with Nicole. From start to finish, she made the entire lending process clear, smooth, and stress-free. Nicole is incredibly knowledgeable and took the time to explain every step, answer all my questions, and ensure I felt confident in each decision. Her communication was exceptional—quick, thorough, and always proactive. I never had to wonder about the status of my loan because she kept me updated the whole way through. Nicole’s professionalism, attention to detail, and genuine care for her clients truly set her apart. If you’re looking for a lender who is dedicated, reliable, and a pleasure to work with, I highly recommend Nicole. She made a complex process feel easy, and I couldn’t be happier with the outcome.

Nicole and her team were absolutely incredible to work with on our home purchase in San Jose. I didn’t realize it was even possible to close on a home within 2 weeks. She and her team were super responsive, thoughtful, and professional in helping me and my wife close on a home. We put in an initial offer on a home on which we got outbid but then she and her team were able to quickly help us pivot and put in offer on another home which was successful. Both these offers were put together within a matter of 24 hours and she was absolutely amazing in working with us to coordinate all the logistics needed for an initial pre-approval all the way to the final close. She was also able to quickly identify the best mortgage program for us which by far had the best rate. My wife and I are incredibly

Nicole and her team were absolutely phenomenal! From day one, they were approachable, patient, and easy to talk to—making what’s usually a stressful home buying process feel seamless. Their communication was top-notch: every question was answered clearly, and they kept me informed every step of the way. They walked me through all the loan options in a way that made everything easy to understand, and their attention to detail and efficiency meant we were able to close incredibly quickly. I felt completely confident and supported throughout. I’m so grateful for Nicole and her team’s professionalism, speed, and warmth—thank you all so much for making this experience smooth, pleasant, and even exciting! Highly recommend them to anyone looking for a stellar lending team.

Nicole is a committed, reliable and thorough professional, who works hard for her clients and ensures they get the best deal to cement a long-term personal relationship. She came in during stressful time, helped to save & secure a wonderful outcome. She & her team are fast, responsive and supportive during the whole process. It's rare to find such committed & trust-worthy individuals. I have two today - my agent & Nicole. Wholeheartedly recommend for any mortgage lending and financing needs. Definitely looking forward to working with her in the future.

I had a fantastic experience working with Nicole. Nicole and her team were always available throughout the closing process (and also after) in answering my questions, guiding me through every stage of the closing and also accommodating a very short and tight closing window. Her team was quite creative in finding avenues that lowered my interest rate by a few basis points and the rates she offered were quite competitive to the larger banks. I'd recommend Nicole and her team for anyone's lending needs and would definitely like to work with her again in the future.