ABOUT MOHAMED
I graduated from UC Santa Barbara with a degree in Accounting. My early experiences in Accounting and Finance honed my expertise in analyzing client assets and liabilities – including complex borrower profiles, complicated tax returns, and sophisticated estate planning structures – and matching clients with ideal loan options. I joined Rate because the range of product options gives me the most flexibility in meeting a broader variety of borrower needs. Relationships matter to me, and I care deeply about finding an ideal solution and providing direct and timely communication about the options and process. I choose partners that I trust to provide an equally solution-minded experience to buying a home and refinancing. I have been trusted as the go-to mortgage officer for some of the top Realtors in the country because I find the right options, provide clear communication, and get things done. I handpicked my team, who have extensive experience in underwriting and processing, and have worked with me for many years. As a top 1% originator for over 10 years with over $1B in closed loans, including purchases, refinances, and HELOCs, I am well versed in working with borrowers to provide a successful experience. While I am based in San Diego, CA, I am licensed and work regularly in over 30 states. Please reach out to me any time.
Our Team
With more than 60 years of combined experience in the mortgage industry, our team brings a wealth of knowledge, insight, and dedication to every client we serve. We've worked through changing markets, evolving regulations, and shifting borrower needs — and through it all, we've stayed committed to one thing: helping people make smart, confident decisions about home financing.
​
Our strength lies in our deep understanding of mortgage products, lender guidelines, and the broader lending landscape. Whether it’s a first-time homebuyer, a seasoned investor, or someone navigating a complex financial situation, we know how to structure the right solution — because we’ve done it all. We stay up to date on new programs, regulatory changes, and lender offerings so our clients and partners don’t have to.
​
But knowledge alone isn’t what sets us apart. We believe how we work is as important as what we know. Clear, open communication is at the heart of ours relationship. We take the time to listen, understand our client and partner goals, and keep everyone informed from start to finish. No surprises — just straightforward guidance and responsive support.
​
Collaboration is a core part of our process — not only within our team, but with our clients, real estate partners, underwriters, and everyone involved in the transaction. We thrive on creative thinking and positive problem-solving. We believe great results come from working with people who value professionalism, responsibility, and transparency.
​
Ultimately, our goal is simple: to make the mortgage process smoother, smarter, and more successful for everyone. Whether you’re buying your first home, refinancing, or building your real estate portfolio, we’re here to guide you with clarity, confidence, and care.
