Kelly Manderscheid at Rate (NMLS #273420) - Temecula, California

Alexandria Cervantes

I cannot say enough amazing things about Kelly. This was my first time buying a home and applying for a loan and the process was very overwhelming. At times I questioned my ability to understand the process and thought to myself how I was going to do any of it. As soon as I met Kelly that completely changed. She explained things to me in a way that I actually understood and answered all of my anxiety driven questions. She put my nerves at ease and is just a wonderful caring person. Thank you SO much Kelly you are the best!!

Chanel Jamora

Working with Kelly at Rate was an incredible experience! From start to finish, she guided us through every step of the loan process with clarity and professionalism. Her team was also amazing—always helpful, responsive, and supportive throughout the entire process. Kelly kept us informed about exactly what would happen, when it would happen, and how to navigate everything smoothly. Thanks to her hard work and efficiency, we were even able to close a day early and get the keys to our new home ahead of schedule! Kelly and her team truly went above and beyond, and we couldn’t recommend them highly enough.

Jeremy Karlovec

Words can not describe how amazing Kelly is! She works tirelessly and gets what seems impossible done with ease and efficiently. She made my dream of becoming a homeowner a realty. We shared many laughs and many moments of educating a first time home buyer. I am so grateful that I had Kelly in my corner during this process. I can’t thank or recommend her enough.

James Bon, MSN, FNP-BC

My husband and I cannot express how grateful we are to have had Kelly as our loan officer during the process of buying our second home! From the very first conversation, Kelly was incredibly friendly, professional, and attentive. She took the time to understand our needs and walked us through every step of the loan process with patience and clarity.

Kelly was always accessible, answering our questions ( day or night; weekend or Holiday) promptly and ensuring we felt confident and informed. Her expertise and guidance made what could be a daunting experience feel smooth and enjoyable. We truly appreciated her proactive approach in keeping us updated and her ability to simplify complex terms.

Thanks to Kelly’s hard work, we were able to close on our new home seamlessly, and we couldn’t have done it without her dedication and support. If you’re looking for a knowledgeable and caring loan officer, look no further than Kelly! We wholeheartedly recommend her to anyone seeking assistance in their home-buying journey. Thank you, Kelly, for making our dreams a reality!

Emily Friefeld

You have EVERY reason to work with Kelly! Kelly will work around the clock for you to get the loan you need and she does it all with a smile and a great personality. She is patient, helpful, professional, organized, and very good at what she does! 😊 I had a great experience getting a loan to buy my first home with Kelly at Rate.com.

prasanth g

Kelly and the team helped us secure the approval in just 12 days!!

A huge shoutout to Kelly for her incredible follow-ups and for being such a wonderful person to work with. Her professionalism, attentiveness, and timely updates were a huge part of what made this process so smooth and stress-free for us.

She spent lot of time going over the numbers and made sure we understood and patiently answered all questions. Cant ask for more. Without Kelly, i would have went in a wrong way. She guided me in right path.

We are beyond grateful!

Jennifer Abrams

Kelly is as best as it gets! She 100% goes above and beyond for her clients! She was able to do a very short escrow and we closed on CHRISTMAS EVE! We wouldn’t have been able to do it without her! She was available for us at all hours and even weekends! I will always highly recommend her!

Sami Bisharat

Kelly was wonderful to work with to help finance my new home purchase. She worked diligently and communicated extensively to insure I was comfortable throughout the entire process especially as we dealt with shifting interest rates impacted by the election, unemployment reports, and Fed meetings. I will gladly work with Kelly again in the future for any refinancing needs.