About RateSale
A San Diego broker that works for you, not one bank.
Jeff Nett has worked in mortgage lending for 25 years. As a broker, RateSale compares loans from multiple lenders, so your options are not limited to one bank’s menu.
We work with borrowers across California, Texas, Idaho and Montana by phone, video and e-sign. When you call, you talk to a licensed loan officer.
5.0 from 54 Google reviews

How it works
Step 1: Answer 5 quick questions
Your goal, timeline, price range and area. No Social Security number, income or credit check.
Step 2: Talk to a licensed loan officer
A real person calls to understand your plans.
Step 3: Compare and close remotely
Side-by-side options from multiple lenders, secure uploads and e-sign.

Licensed and easy to verify
You can check our licenses any time on NMLS Consumer Access. Full details are on our licensing page.
Jeff also answers common questions on RateSale’s YouTube channel.
- Company
- NGG Financial Inc dba RateSale
- Company NMLS
- #1034679
- Jeff Nett NMLS
- #1094308
- California DFPI
- #603K402
- Texas license
- #1034679
- Idaho license
- #MBL-2081034679
- Montana license
- #1034679
- Office
- 2116 Montgomery Ave, Cardiff by the Sea, CA 92007
What borrowers say
5.0 from 54 Google reviews
“Jeff gave us several loan options and explained the pros and cons of each. It felt like working with a close friend who had our best interests in mind.”