They helped make the whole process go as smoothly as possible! Very caring and efficient!

Location & hours
Nick Lynch at Rate (NMLS #632963)
Today · 9 AM – 5 PM
Office hours
- Monday
- 9 AM – 5 PM
- Tuesday
- 9 AM – 5 PM
- Wednesday
- 9 AM – 5 PM
- Thursday
- 9 AM – 5 PM
- Friday
- 9 AM – 5 PM
- Saturday
- Closed
- Sunday
- Closed
Reviews
Write a reviewExceptional rating
Based on 23 star reviews
Loved by clients
Based on 25 reviews
Ratings include all 25 reviews. Reviews collected directly from clients are shown only with their permission.
Nick was amazing, supportive, and kind throughout the entire process.
The assistant and follow up by Nick.
Nick Lynch
No written review
Nick is phenomenal and trustworthy. He provides excellent customer service, prompt response time, and professionalism. I wouldn’t want to use anyone else
Nick Lynch helped us through the entire process, and made it very easy for us to know what documents he needed as well in assisted us with multiple ways to return the documents to him.
Nick Lynch has been very helpful through the entire refinancing process.
Nick Lynch was most patient and kind. He worked incredibly hard to find the loan that would best fit our needs. He was absolutely outstanding. OUTSTANDING representative for Rate!

Nick has helped me through the purchase of 2 homes in Carlsbad and Encinitas. He is a family man, honest, exceptional customer service, reliable and responsive. He is patient and is great at handling of stressful, fire drill situations when I wasn’t so much. He has a calming effective. He is someone to trust. He has my highest review and recommendation! Thanks, Nick!

Nick was very helpful in getting our mortgage serviced. Stay in contact throughout the entire process and let us know if there was anything we needed to provide or take care of. I would recommend Nick and his team for your mortgage needs.
I have worked with Nick Lynch on many loans and he has always been very responsive and helpful.
Nick was the absolute best to work with. Very organized, very thoughtful, incredibly easy to work with.
Thanks to Nick's professionalism, he made the entire transaction look so smooth. Normally, lending is a hectic process, but Nick made everything so easy.
Excellent service, knowledge by staff
Easy and fast
Nick has always been the best, most responsive an easiest to work with.
