Rateplicity Mortgage Corporation A new and simpler way to get a mortgage that truly works

Get a home loan in 4 easy steps

Simplifying the mortgage process, because you deserve better!

Rateplicity Mortgage Corporation

A new and simpler way to get a mortgage that truly works. We have over 14 years of experience and three billion in mortgage origination each year. Our mortgage professionals are one simple call away.

Our most popular services

Rateplicity Mortgage Corporation foreign nationals loan program itin

Foreign National Mortgages

Mortgages for Non-Citizens.

Rateplicity Mortgage Corporation

Jumbo Home Loans

Mortgages higher than $647,200.00.

Rateplicity Mortgage Corporation - Cash-Out Refinance

Cash Out Refinance

A way to consolidate your debt or get money for expenses.
Rateplicity Mortgage Corporation

Non-QM Mortgage

Loans for those who don’t qualify the traditional way.

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Customer Satisfaction

Years in the Industry

Happy Customers

Client Reviews

I cannot recommend Cameron enough! As a first-time homebuyer, I was nervous but his team made everything so smooth and stress-free. He patiently walked me through every step, answered all my questions, and secured a great rate for me. Cameronā€™s expertise and professionalism gave me so much confidence, and I truly felt supported from start to finish. Cameron I couldnā€™t have done it without you! Thanks again!
Brandon Nicholas
Brandon Nicholas
2025-01-25
I highly recommend Rateplcity. As a foreigner in the US even if you have perfect credit, itā€™s already very difficult to get financing. My file ended up being way more complex than we would have ever imagined due to issues beyond our control with our HOA but Cameron did not give up and worked really hard to get us what we needed. We highly recommend this company especially if youā€™re a foreigner looking for financing options.
Sabrina Thind
Sabrina Thind
2025-01-24
If you are considering purchasing a property in Florida and are from Canada - look no further than Cameron Mackie from Rateplicity. Cameron is very hands on and helps Canadians navigate a very unique and complicated process. His work ethic is unmatched and he will deliver results. Most importantly, he knows his stuff and will ensure you are connected with the right financing to ensure your purchase goes smoothly.
Matthew Maida
Matthew Maida
2025-01-23
Cameron knows the US market very well. He gave us excellent options to finance a new FL property. As Canadians, having an organization that knows all the ins and outs is priceless. We will definitely be using Rateplicity to finance our next FL property.
Peter Hopper
Peter Hopper
2025-01-14
Three words describe my experience with Cameron and his team: 1: Professional 2) Helpful 3) Experienced Never having a mortgage before, I did not know what to expect. Cameron's immediate response to questions and guidance made this process fast with very positive results. Throw in the complexity of being a foreign national , came with its own challenges that were successfully overcome through his vast years of experience. I would recommend Cameron 100%, He was fair, honest and completed everything he promised! Robert White - Canada
Rob White
Rob White
2024-12-12
We had help from Cameron ,Pat and Allan for loan and they did amazing job to secure our loan. Thank you for your help.
Baba Baba
Baba Baba
2023-12-08
Cameron is very knowledgeable, helpful and patient when it comes to dealing with his clients. Our clients are very important to us so when it comes them needing a mortgage, we do not hesitate in referring them to Cameron and his team. Whether your American or a Foreign National in need of a mortgage option, Cameron's team is committed to success..
Gina Semeniuk
Gina Semeniuk
2023-05-30
I'm a Canadian, and Cameron and his team were extremely helpful in getting my family there. We are so happy we met Cameron! Thank you so much for your direction!!
Alan J. Nicholas
Alan J. Nicholas
2023-05-26
I have known Cameron for a number of years. He is a highly detailed, client caring Mortgage specialist. Our clients are extremely important to us Cameron's teams diversity of products and knowledge is highly appreciated by both our team and clientelle. Whether your American or a Foreign National in need of a mortgage option,Cameron's team is committed to success..
Gary Semeniuk
Gary Semeniuk
2023-05-25
Cameron and his team were able to perform a miracle for me and get me a mortgage despite truly impossible circumstances; his assistant Pat was literally an angel who really cared about me and my situation, and really everyone on the team I worked with were amazing. Iā€™m truly gratefulšŸ™šŸ¼
Julee Bellacicco
Julee Bellacicco
2023-02-01

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Getting approved for a mortgage just got simpler. Click “apply now” and get the mortgage you’ve been looking for.

Calculate Your Monthly Payment

$

5%

1%

5%

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Learn More About Our Loan Options

At Rateplicity, our options are endless. The mortgage process can be confusing, so you may want more details on each loan option. Click Loan Options for more information. Better yet, call us now to chat with a professional.

A quick overview on our mortgage services

Adjustable Rate Mortgage

An adjustable-rate mortgageĀ (ARM) is a loan that bases itsĀ interest rateĀ on an index, the fed funds rate, or theĀ one-year Treasury bill.Ā 

Bank Statement Mortgage

With Bank Statement Loans, borrowers are qualified based upon their ability to repay using 24 month average of deposits.Ā 

Cash Out Refinance

A cash-out refinance can help use the money you have already paid into your mortgage to do things like cover repair bills, or eliminate standing student or medical loans.

Conventional Loan

These are a great choice for homeowners,Ā  since they offer lower costs than many other loans. These loans come in all shapes and sizes.

Debt Consolidation

This is an installment loan with repayment terms usually lasting two and five years. They are used to combine your existing debts into a single debt with one monthly payment.

FHA Loan

This loan is popular among first time home buyers because they allow down payments of 3.5% for credit scores of 580+.

Fixed Rate Loan

This is attractive to borrowers who donā€™t want their interest rates fluctuating over the term of their loans, potentially increasing their interest expenses and mortgage payments.

Foreign National Mortgage

The Foreign National program allows non-citizen borrowers the opportunity to invest in real estate in the United States. It is also a great option for purchasing a vacation home!

Home Purchase Loan

Get a home loan in 4 easy steps. A new and simpler way to get a mortgage that truly works. The most efficient mortgage process youā€™ll ever experience.

Jumbo Loan

This is a great option for affluent clients interested larger houses or properties in high-value areas. If you are in this category, this product is for you.

No Income Verification Loan

This loan is perfect if you have a high DTI or a hard time showing income. The other positive attribute of this type of loan is that Gift Money is allowed.

Rate and Term Refinance

This gives you options to lower your rate, bring in cash to lower your principal loan balance or pay off your loan faster.Ā 

Refinance

Need to secure a better rate or term or get cash out on your home equity? You can consolidate other debts into your mortgage lowering monthly debt obligation.

Reverse Mortgage

If you are over the age of 62, you can eliminate your monthly mortgage payment. This increases your monthly cash-flow so you can enjoy your retirement.

USDA Loan

What makes a USDA desirable is they are ZERO down, LOW interest rate mortgages. They help very low-to-moderate income buyers becomeĀ homeowners.

VA Loan

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA).

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