Kyun Choe
Get to know me
With 15 years in corporate finance, I experienced firsthand how broken the retail mortgage industry was when I relocated my family to Maryland. Left in the dark by processors, I founded 1RATE to fix it. We use rigorous, upfront underwriting—doing the heavy lifting before you even make an offer. This eliminates 11th-hour panic and allows us to close your DMV home in 15 days. We’ve helped over 540 families secure wholesale rates and beat out cash buyers without the sleepless nights.
My experience
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What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
Retail banks hide thousands in "Box A" junk fees like administration and commitment. At 1RATE, we charge $0 for these. You get direct wholesale pricing, saving you cash to close in the DMV.
Expect rigorous upfront underwriting. We do the heavy lifting before you offer, eliminating the 11th-hour panic common with retail banks. This allows us to execute a fast 15-day close.
We specialize in DMV homebuyers and complex Jumbo loans. By fully approving your financial profile upfront, we turn your financed offer into an all-cash equivalent to win bidding wars.
Online calculators lie. We provide transparent wholesale rate quotes based on your scenario without an immediate hard credit pull. You see the exact math and $0 junk fees before committing.
It is critical. To beat cash buyers in Bethesda and NoVA, we must run your upfront underwriting weeks before you bid. Getting approved early ensures your loan never collapses at the end.