804-784-4364

About RatePro Mortgage

RatePro Team

At RatePro Mortgage, helping people achieve homeownership is not just business. It is personal. Since 1994, we have built a reputation for exceptional service, clear communication, and local market expertise that clients, agents, and referral partners trust.

Our team takes pride in guiding you through the mortgage process with patience and professionalism, from your first conversation to the day you close on your home. Whether you are buying, refinancing, or exploring mortgage options, we work with you to find the loan that fits your goals and your life.

We believe communication matters. Clients consistently tell us they felt informed, supported, and confident throughout the process. Our approach is straightforward, personal, and responsive, so you always know what to expect and never feel alone in your financing journey.

At RatePro Mortgage, we are not here for just one transaction. We are here for a lifetime of homeownership needs. Many of our clients return for future loans and refer their family, friends, and real estate partners because they know we will treat them with the same care and commitment every time.

Your goals are our priority. Take advantage of our experience in residential lending and enjoy a mortgage experience that is efficient, clear, and tailored to you.

Ready for a free personalized consultation? Want to see how much you qualify for? Looking for a trusted partner to guide you through your loan options?

Call us today or apply online. It is fast, secure, and easy.

Visit my Website

Jesse Gilbert

Title: Loan Officer

NMLS #1969877

Email: jesse@ratepromortgage.com Email Me

Jill Dennis

Title: Loan Processor

Email: jill@ratepromortgage.com Email Me

Visit my Website

Rick Gilbert

Title: President

NMLS #245444

Email: rick@ratepromortgage.com Email Me

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

4.9

111 reviews

I highly recommend my loan officer for anyone navigating a home purchase—especially from out of state. Even though I wasn’t physically present, he kept us consistently informed at every step without hesitation, making the entire process feel seamless and ...

I highly recommend my loan officer for anyone navigating a home purchase—especially from out of state. Even though I wasn’t physically present, he kept us consistently informed at every step without hesitation, making the entire process feel seamless and stress-free. His communication was clear, timely, and proactive, which gave us great confidence throughout the transaction. He was also incredibly friendly and approachable, and by the end of the process, I genuinely felt like we were friends—even though we’ve never met in person. His professionalism and warmth truly made a difference in our home-buying experience. - Gloria Vanderneut

Gloria Vanderneut

1 month ago

Posted on Google

Rick and his team at RatePro are the best in the business. I have refinanced with Rick a couple of times, and each time the process has been smooth and easy. Rick always does what he says he will, and I appreciate that there are never any surprises at clo ...

Rick and his team at RatePro are the best in the business. I have refinanced with Rick a couple of times, and each time the process has been smooth and easy. Rick always does what he says he will, and I appreciate that there are never any surprises at closing. Highly recommend!

2 months ago

Posted on Google

RatePro Mortgage was referred to my husband and me by our realtor as we began the house-buying process. From start to finish, Jesse was very straightforward, clear, and concise with the process and what to expect overall. Jesse listened to our concerns fr ...

RatePro Mortgage was referred to my husband and me by our realtor as we began the house-buying process. From start to finish, Jesse was very straightforward, clear, and concise with the process and what to expect overall. Jesse listened to our concerns from start to finish and remained consistent with communication from start to finish as well. Jesse overall made this house-buying process and experience overall so easy and smooth. We’re so thankful for Jesse’s expertise and would recommend him to anyone who’s looking to buy a house.

3 months ago

Posted on Google

Jesse from Ratepro Mortgage is professional, patient and knowledgeable. He is always willing to listen, to talk and to help on all any home buying and financial issues that a client meets.

Jesse from Ratepro Mortgage is professional, patient and knowledgeable. He is always willing to listen, to talk and to help on all any home buying and financial issues that a client meets.

3 months ago

Posted on Google

Rick is the best by far!!! I don't know if anyone hasn't had a great experience with lenders, but for my first time buying a home, he made everything easy to understand, answered all my questions promptly and listened to my concerns and helped me get the ...

Rick is the best by far!!! I don't know if anyone hasn't had a great experience with lenders, but for my first time buying a home, he made everything easy to understand, answered all my questions promptly and listened to my concerns and helped me get the best rate possible. I will be sending anyone that needs a home loan to Rick. He cares so much!

3 months ago

Posted on Google

I recently was in the market for a mortgage on a house I was purchasing. I worked with Rick Gilbert of RatePro Mortgage. Rick was excellent to work with. He was very knowledgeable and courteous. I was working on an aggressive schedule and Rick did wha ...

I recently was in the market for a mortgage on a house I was purchasing. I worked with Rick Gilbert of RatePro Mortgage. Rick was excellent to work with. He was very knowledgeable and courteous. I was working on an aggressive schedule and Rick did whatever it took to enable me to meet my target date. I'd definitely recommend him to a friend.

5 months ago

Posted on Google

Applying for a mortgage can be quite daunting even if you’ve done this many times before so, if this is you, consider using Jesse at RatePro for peace of mind as he and his team run for you from the beginning to the close.

Applying for a mortgage can be quite daunting even if you’ve done this many times before so, if this is you, consider using Jesse at RatePro for peace of mind as he and his team run for you from the beginning to the close.

5 months ago

Posted on Google

Rick Gilbert is a true professional in his field. He has the unique ability to make you feel like you've known him for years, and although he has many years of experience in the lending industry, he's still able to see the borrowers' perspective. Don't h ...

Rick Gilbert is a true professional in his field. He has the unique ability to make you feel like you've known him for years, and although he has many years of experience in the lending industry, he's still able to see the borrowers' perspective. Don't hesitate to give Rick a call for all your mortgage needs! Thanks, Rick! William

6 months ago

Posted on Google

The staff at RatePro exceeded all expectations. As a first time home buyer they walked me through my options and guided me through the process. I am so grateful that I connected with Rick. He is a joy and absolute treasure! I was so honored and blessed to ...

The staff at RatePro exceeded all expectations. As a first time home buyer they walked me through my options and guided me through the process. I am so grateful that I connected with Rick. He is a joy and absolute treasure! I was so honored and blessed to have him in my corner during this process.

6 months ago

Posted on Google

Amazing! Always supportive and ready to answer my questions.

Amazing! Always supportive and ready to answer my questions.

7 months ago

Posted on Google

My team was amazing and worked with us every step of the way. They put my mind to ease anytime I had a question or was unsure of something. I would highly recommend them when looking for a lender.

My team was amazing and worked with us every step of the way. They put my mind to ease anytime I had a question or was unsure of something. I would highly recommend them when looking for a lender.

stephan charlesworth

8 months ago

Posted on Google

Jesse helped us buy our first home. We could not be happier with the level of service. When we had questions, we got thoughtful, comprehensive and professional answers. The next time I need mortgage services I am coming straight here

Jesse helped us buy our first home. We could not be happier with the level of service. When we had questions, we got thoughtful, comprehensive and professional answers. The next time I need mortgage services I am coming straight here

10 months ago

Posted on Google

Rick just helped my fiancé and I buy our first home. He was always an absolute pleasure to speak/work with. Very professional, knowledgeable, and encouraging with his words and actions. We throughly enjoyed working with him and would highly recommend!

Rick just helped my fiancé and I buy our first home. He was always an absolute pleasure to speak/work with. Very professional, knowledgeable, and encouraging with his words and actions. We throughly enjoyed working with him and would highly recommend!

11 months ago

Posted on Google

Rick was the best. He helped us every step of the way, he's very responsive and always available to answer a question. I love my new house!!

Rick was the best. He helped us every step of the way, he's very responsive and always available to answer a question. I love my new house!!

1 year ago

Posted on Google

Rick was awesome. Always got back to us promptly. Really enjoyed working with him.

Rick was awesome. Always got back to us promptly. Really enjoyed working with him.

Thomas Blackwell

1 year ago

Posted on Google

Rick was great to work with. He is very professional and keeps you in the loop of the process at every turn. No matter how many questions you have he is always great at taking your call and answering them. Rick is very knowledgeable in his field and I wou ...

Rick was great to work with. He is very professional and keeps you in the loop of the process at every turn. No matter how many questions you have he is always great at taking your call and answering them. Rick is very knowledgeable in his field and I would use him again in the future and would recommend others to do the same.

1 year ago

Posted on Google

Rick Gilbert is a rockstar. He gave us the best rate by a mile. Our realtor and title company were unfamiliar with Ratepro, but after working with Rick they were blown away with his quick, professional communication and ability to meet a tight closing dat ...

Rick Gilbert is a rockstar. He gave us the best rate by a mile. Our realtor and title company were unfamiliar with Ratepro, but after working with Rick they were blown away with his quick, professional communication and ability to meet a tight closing date. He patiently and knowledgeably walked us (first time homebuyers) through every question we had about the loan and home buying process. We can’t recommend him enough!

1 year ago

Posted on Google

Rick was great, was able to get us a good rate and close really quick.

Rick was great, was able to get us a good rate and close really quick.

1 year ago

Posted on Google

My wife and I would like to personally thank Rick Gilbert and his team for making our home buying experience very pleasurable . Rick to the time and effort to help us navigate the information we needed to make our home buying process successful .

My wife and I would like to personally thank Rick Gilbert and his team for making our home buying experience very pleasurable . Rick to the time and effort to help us navigate the information we needed to make our home buying process successful .

1 year ago

Posted on Google

I highly recommend Rate Pro Mortgage!! Rick went above and beyond to help us and by the end of the process we moved into our dream home and he was like family! Don’t deal with anyone else Rate Pro is the way to go!!!!!

I highly recommend Rate Pro Mortgage!! Rick went above and beyond to help us and by the end of the process we moved into our dream home and he was like family! Don’t deal with anyone else Rate Pro is the way to go!!!!!

1 year ago

Posted on Google

Deidra Griffin-Harry

1 year ago

Posted on Google

I can’t recommend RatePro enough. We worked with Jesse and he is truly the best. He worked hard to find us the best financing options as first time homebuyers. He always responds immediately when you have questions and even helped me learn how to budget. ...

I can’t recommend RatePro enough. We worked with Jesse and he is truly the best. He worked hard to find us the best financing options as first time homebuyers. He always responds immediately when you have questions and even helped me learn how to budget. 😊 Jesse was the best professional we worked with out of everyone through this home buying process! Thank you for making everything so smooth and helping us get our house!

1 year ago

Posted on Google

Jesse is the man! Was immensely helpful through the entire process of buying a home. Please consider RatePro Mortgage when buying a home!

Jesse is the man! Was immensely helpful through the entire process of buying a home. Please consider RatePro Mortgage when buying a home!

William Reithmeyer

1 year ago

Posted on Google

Rick Gilbert at RatePro Mortgage was a tremendous help. He found the right funding for me, and made a very stressful situation tolerable. He talked me through everything.

Rick Gilbert at RatePro Mortgage was a tremendous help. He found the right funding for me, and made a very stressful situation tolerable. He talked me through everything.

Judy Klingenhofer

2 years ago

Posted on Google

We worked with Jesse from RatePro for our 10/2023 home purchase. We really enjoyed working with him. He is very responsive to any and all questions. He really took the time to find a product that would suit our needs even though he did not have the pro ...

We worked with Jesse from RatePro for our 10/2023 home purchase. We really enjoyed working with him. He is very responsive to any and all questions. He really took the time to find a product that would suit our needs even though he did not have the product that we were originally searching for. We got a better outcome with the product that he devised and selected for us than we would have had we went elsewhere to find what we were originally searching for. He is well versed in his field. He was there for us at every step. I look forward to working with RatePro again!

2 years ago

Posted on Google

Jesse was awesome! I would recommend to anyone to go through here for their mortgage!!! They work with you and take you step by step through every part making things very clear and understandable.

Jesse was awesome! I would recommend to anyone to go through here for their mortgage!!! They work with you and take you step by step through every part making things very clear and understandable.

2 years ago

Posted on Google

2 years ago

Posted on Google

Rick kept us informed with every step of mortgsge process. He is always available to answer questions you may have. Excellent experience!!!

Rick kept us informed with every step of mortgsge process. He is always available to answer questions you may have. Excellent experience!!!

2 years ago

Posted on Google

2 years ago

Posted on Google

We had a great experience with RatePro Mortgage and really appreciated the quick responses and answering questions at any time even outside of business times. They were patient with us and took extra time to explain things clearly to us to make sure every ...

We had a great experience with RatePro Mortgage and really appreciated the quick responses and answering questions at any time even outside of business times. They were patient with us and took extra time to explain things clearly to us to make sure everything was understood clearly.

2 years ago

Posted on Google

The whole lending process from start to finish was GREAT! Jesse is very friendly and knowledgeable. He took the time to explain my options, such as interest rate lock-in and go over the Closure Disclosure statement in detail and what he thought worked b ...

The whole lending process from start to finish was GREAT! Jesse is very friendly and knowledgeable. He took the time to explain my options, such as interest rate lock-in and go over the Closure Disclosure statement in detail and what he thought worked best for me. I could call Jesse anytime with concerns/questions and was always followed up with a quick response from him. I would recommend Jesse Gilbert to anyone looking for a mortgage.

2 years ago

Posted on Google

2 years ago

Posted on Google

Very satisfied with the service I received. Jesse was quick to respond to any questions I had and explained everything in a very simple and easy to understand way. I got a very good rate through them for the market conditions. 10/10 would recommend.

Very satisfied with the service I received. Jesse was quick to respond to any questions I had and explained everything in a very simple and easy to understand way. I got a very good rate through them for the market conditions. 10/10 would recommend.

2 years ago

Posted on Google

Rick at ratepro mortgage was great to work with. Would highly recommend for anyone looking to by a home. Thanks rick

Rick at ratepro mortgage was great to work with. Would highly recommend for anyone looking to by a home. Thanks rick

2 years ago

Posted on Google

Jesse was professional, knowledgeable, and very patient with us during the entire process of purchasing our house. We were in NY when we looked for a place in VA for my upcoming job position. We almost purchased one then decided to buy another instead. Je ...

Jesse was professional, knowledgeable, and very patient with us during the entire process of purchasing our house. We were in NY when we looked for a place in VA for my upcoming job position. We almost purchased one then decided to buy another instead. Jesse was great with both, thorough and helpful in answering all our questions and making all necessary updates. We are very thankful for his assistance and recommend him and his company to all potential clients.

2 years ago

Posted on Google

2 years ago

Posted on Google

Richard Gilbert was an amazing business partner! This is one of Richards first loans closing with Oaktree Funding and it has become apparent that he has great communication between us and his borrowers. There was never any confusion about what was going o ...

Richard Gilbert was an amazing business partner! This is one of Richards first loans closing with Oaktree Funding and it has become apparent that he has great communication between us and his borrowers. There was never any confusion about what was going on in the loan. No question Richard is able to close your loans on time for he is very task oriented. 5 star rating, I highly recommend using Richard, one of my favorites to work with!

2 years ago

Posted on Google

Rick was a joy to work with! Very timely in his responses, warm in his interactions, and thorough in his communication.

Rick was a joy to work with! Very timely in his responses, warm in his interactions, and thorough in his communication.

Shannon Berryman

3 years ago

Posted on Google

Jesse Gilbert was awesome to work with and made the process incredibly simple!

Jesse Gilbert was awesome to work with and made the process incredibly simple!

3 years ago

Posted on Google

I highly recommend working with RatePro, Jesse and his team made this process a breeze. They helped us to understand the more complicated details and they were extremely easy to contact for all questions. Thanks so much RatePro! 10 out of 10 experience!

I highly recommend working with RatePro, Jesse and his team made this process a breeze. They helped us to understand the more complicated details and they were extremely easy to contact for all questions. Thanks so much RatePro! 10 out of 10 experience!

3 years ago

Posted on Google

Jesse was an amazing person to work with. He was knowledgeable and help me understand every step of the process. He also was very available for calls and texts whenever I needed him. I highly recommend working with him if you're in the market for a mortga ...

Jesse was an amazing person to work with. He was knowledgeable and help me understand every step of the process. He also was very available for calls and texts whenever I needed him. I highly recommend working with him if you're in the market for a mortgage.

3 years ago

Posted on Google

3 years ago

Posted on Google

Get Jesse Gilbert. Jesse is easy to get in contact with, polite, and very knowledgeable. He beat other loan officers rates and no one could beat the monthly PITI he was offering. The mortgage attorney even commented on my rate being so low. Jesse is an ab ...

Get Jesse Gilbert. Jesse is easy to get in contact with, polite, and very knowledgeable. He beat other loan officers rates and no one could beat the monthly PITI he was offering. The mortgage attorney even commented on my rate being so low. Jesse is an absolute unit and I recommend anyone needing a loan officer to do there self a favor and get Jesse on your team.

3 years ago

Posted on Google

3 years ago

Posted on Google

I was a first time homebuyer and the awesome people at RatePro Mortgage made sure to walk me through and explain everything. They were always on top of things during the whole process.

I was a first time homebuyer and the awesome people at RatePro Mortgage made sure to walk me through and explain everything. They were always on top of things during the whole process.

3 years ago

Posted on Google

If you looking for a loan officer that provides amazing service, great numbers, and all around support Jesse Gilbert is going to be your guy. Ratepro is lucky to have a hard working individual like yourself.

If you looking for a loan officer that provides amazing service, great numbers, and all around support Jesse Gilbert is going to be your guy. Ratepro is lucky to have a hard working individual like yourself.

3 years ago

Posted on Google

Jesse is great to work with! He moves the home buying process along and doesn’t procrastinate. It made things quick and easy! Would definitely recommend RatePro

Jesse is great to work with! He moves the home buying process along and doesn’t procrastinate. It made things quick and easy! Would definitely recommend RatePro

Caroline Powers

3 years ago

Posted on Google

Rick and everyone at RatePro Mortgage are wonderful. They are not only very thorough but very personable too. RatePro makes the home buying process seamless. Thank you so much!

Rick and everyone at RatePro Mortgage are wonderful. They are not only very thorough but very personable too. RatePro makes the home buying process seamless. Thank you so much!

3 years ago

Posted on Google

I worked with Jesse at RatePro for the purchase of my first home. I was so impressed by his responsiveness to all my questions (and I had a lot as a first time home buyer). He got me a grate rate, and the entire process was seamless and stress free! I hig ...

I worked with Jesse at RatePro for the purchase of my first home. I was so impressed by his responsiveness to all my questions (and I had a lot as a first time home buyer). He got me a grate rate, and the entire process was seamless and stress free! I highly recommend the team at RatePro for any home financing needs. The customer service they provide is fantastic!

Farley Sanderford

3 years ago

Posted on Google

It was such a pleasure working with RatePro Mortgage. Jesse made it so easy by keeping me always informed on what was happening next. Purchasing a home out of state requires great communication and RatePro Mortgage provided just that. They responded to ...

It was such a pleasure working with RatePro Mortgage. Jesse made it so easy by keeping me always informed on what was happening next. Purchasing a home out of state requires great communication and RatePro Mortgage provided just that. They responded to my emails and phone calls very quickly and were always there to answer any questions that I had.

3 years ago

Posted on Google