“Indu, Trisha, and Reema stepped in with experience, urgency, and a clear plan. ( ... ) In just 12 days, Rate Mortgage turned months of uncertainty into a clear to close.”
I wholeheartedly recommend Rate Mortgage—and specifically Indu Kapoor, Trisha Thomas, and Reema Sagar.
After more than four months with a previous lender, I was still waiting without a dependable closing timeline. The future of my purchase had become unclear, and changing lenders at that stage felt both necessary and daunting.
Indu, Trisha, and Reema stepped in with experience, urgency, and a clear plan. Indu provided knowledgeable leadership and understood the specialized renovation-loan process. Trisha managed the details, communicated exactly what was needed, coordinated with the other parties, and kept conditions moving toward completion. Reema helped organize the team, establish clear roles, and support the process from beginning to end.
They worked directly with my realtor, Kyra Tabor, Stewart Title Texas City, the contractor, the HUD consultant, the insurance team, and everyone else involved. They reused the work that could be carried forward, identified what still needed attention, and actively drove each item to resolution.
In just 12 days, Rate Mortgage turned months of uncertainty into a clear to close.
If you are looking for a mortgage team that is experienced, responsive, organized, kind, and willing to take ownership, Indu Kapoor, Trisha Thomas, Reema Sagar, and the Rate Mortgage team are the people you want handling your purchase.
“She is the definition of a true professional—efficient, reliable, and incredibly responsive. Indu consistently goes above and beyond to ensure every transaction gets to the finish line.”
I was introduced to Indu Kapoor by my real estate mentor back in the spring of 2015, and I’ve worked with her on 10+ closings since then. She is the definition of a true professional—efficient, reliable, and incredibly responsive. Her turnaround time is unmatched; she’ll even reply during family dinner time.
Indu consistently goes above and beyond to ensure every transaction gets to the finish line smoothly. I’ve yet to meet her in person, but I’m hoping to finally make that happen this year.
Thank you again, Indu, for all your help with our latest transaction and for being such a valuable part of my team
“She made a potentially overwhelming experience feel smooth, transparent, and completely manageable. From our very first conversation, she was incredibly responsive and patient.”
Working with Indu Kapoor was hands down one of the best experiences we’ve had during the home financing process. She made a potentially overwhelming experience feel smooth, transparent, and completely manageable.
From our very first conversation, Indu was incredibly responsive, patient, and thorough. She took the time to explain every step, answered every question and made sure we always felt informed and supported.
If you’re buying a home and want someone trustworthy, experienced, and truly exceptional on your side, Indu Kapoor is the one. We can’t recommend her highly enough!
Muhammad Siddiqui
“She never overpromises, but always under promises and overdelivers. She is a woman of her word and always does her job in a way that puts my clients at ease.”
Indu is the consummate professional. She never overpromises, but on the contrary always under promises and overdelivers. She is a woman of her word and always does her job in a way that puts my clients at ease. No small feat for home buying, which is likely the largest purchase a person will ever make. The fact that she oversees the loans for my personal properties says a lot about her abilities and work ethic. I trust her with my own real estate. No one else. Thank you for being so great to my clients and to me!!!
“Her swift work greatly helped us close the deal or else we would have lost the house. If you need Customer Delight, now you know whom to reach out to!”
Indu's name was recommended by our realtor and I am greatly pleased with her service and professionalism.
She always thinks many steps ahead of us and she knows exactly what point the Mrtg will need additional documents or at what point we should lock the rates
Her communications have been too notch and she is always reachable via phone, msgs or emails. Her response times are in minutes !! Her swift work greatly helped us close the deal or else we would have lost the house.
For rest of my life, no matter what I buy, where I buy, I am going back to Indu n her team for sure.
There is something called Customer Satisfaction and then there is something called Customer Delight!. If you need the later, now you know whom to reach out to !
PS: This is NOT a paid review, This is NOT because of any discounts, This is purely based on my personal experience and how I felt like expressing my thoughts on a genuine mortgage experience
“We have used Indu and her team 3 times. ... She really cares about her clients and we really love working with her!!”
I would HIGHLY recommend Indu and her team to anyone looking for a mortgage lender!! We have used Indu and her team 3 times. The first time we used her was about 7 years ago and we were having a horrible experience with another lender and she came through for us with a quick closing in less than 3 weeks. When buying our second home, she fought with our builder to get them to pay more closing costs because they kept delaying our close date. She is truly AWESOME!! We just used her again for buying our third home and again, very smooth process and not stressful in any way. She really cares about her clients and we really love working with her!!
“Indu was professional, knowledgeable, and compassionate. Her VA construction loan expertise helped guide and patiently reassure our family during the process”
Exceptional! Indu was professional, knowledgeable, and compassionate. Her VA construction loan expertise helped guide and patiently reassure our family during the process the contractor process. Thank you!
Response from Owner
Thank you Eduardo for your kind words. It has been our honor to work with you and get you closed on time.
“In just 12 days, Rate Mortgage turned months of uncertainty into a clear to close.”
I wholeheartedly recommend Rate Mortgage—and specifically Indu Kapoor, Trisha Thomas, and Reema Sagar. After more than four months with a previous lender, I was still waiting without a dependable closing timeline. The future of my purchase had become unclear, and changing lenders at that stage felt both necessary and daunting. Indu, Trisha, and Reema stepped in with experience, urgency, and a clear plan. Indu provided knowledgeable leadership and understood the specialized renovation-loan process. Trisha managed the details, communicated exactly what was needed, coordinated with the other parties, and kept conditions moving toward completion. Reema helped organize the team, establish clear roles, and support the process from beginning to end. They worked directly with my realtor, Kyra Tabor, Stewart Title Texas City, the contractor, the HUD consultant, the insurance team, and everyone else involved. They reused the work that could be carried forward, identified what still needed attention, and actively drove each item to resolution. In just 12 days, Rate Mortgage turned months of uncertainty into a clear to close. If you are looking for a mortgage team that is experienced, responsive, organized, kind, and willing to take ownership, Indu Kapoor, Trisha Thomas, Reema Sagar, and the Rate Mortgage team are the people you want handling your purchase.
JJonathan D.
“Indu and her team were really helpful and took a hands on approach that helped us close on time! We valued the time they took to make sure everything we needed was explained.”
We had a phenomenal experience working with Rate! Indu and her team were really helpful and took a hands on approach that helped us close on time! We valued the time they took to make sure everything we needed was there and explained why. The customer service was amazing. Thank you Indu, Reema, Michelle, Kelly and anyone else that helped in the process. You guys are amazing!
“Indu Kapoor is the wizard of finance. So thorough and accurate, she creates the best deal.”
Indu Kapoor is the wizard of finance. So thorough and accurate, she creates the best deal. Indu is a pleasure to work with. I appreciate how she frequently kept me informed to move the process along quickly. Whether she is helping me or serving the clients of my real estate agent wife, her work is superb. Reservations? None!
MMichael P.
“Your clarity, responsiveness, and confidence made a significant difference, and I truly appreciate the trust you placed in helping move my application forward.”
I just want to sincerely thank you for leadership and guidance throughout my loan process. Your clarity, responsiveness, and confidence made a significant difference, and I truly appreciate the trust you placed in helping move my application forward. I am grateful for your support and for making what could have been a stressful process feel manageable and straightforward. Thank you again for everything.
VVanessa M.
“They were transparent, responsive, and moved very quickly... with no delays in Closing. Would highly recommend her to anyone looking for no nonsense, white glove service.”
Indu and her team at Guaranteed Rate were amazing to work with. They were transparent, responsive, and moved very quickly. I got a competitive rate off the bat, and in the moments before closing, was able to lower my rate even further. Despite the moving pieces, they were able to lock it in on less than a day’s notice, with no delays in Closing. Would highly recommend her to anyone looking for no nonsense, white glove service. Thanks Indu!
“My experience with Indu and her team at Rate was outstanding from start to finish. The team was professional, responsive, and proactive in guiding me through every step.”
My experience with Indu and her team at Rate was outstanding from start to finish. The team was professional, responsive, and proactive in guiding me through every step of the mortgage process. Communication was clear, timelines were met, and I always felt confident that I was in good hands. I highly recommend Rate to anyone seeking a smooth, stress-free mortgage experience.
“She was absolutely wonderful! She explained everything clearly, kept us updated throughout the process, and made sure we got the best terms possible. Highly recommend her!”
We worked with Indu on our mortgage, and she was absolutely wonderful! She explained everything clearly, kept us updated throughout the process, and made sure we got the best terms possible. Indu is professional, knowledgeable, and genuinely cares about her clients. Highly recommend her!
“The customer service provided by Indu and her team was exceptional! They carefully walked me through the process which made it a seamless effort to get to the finish line.”
The customer service provided by Indu and her team was exceptional! They carefully walked me through the process which made it a seamless effort to get to the finish line. I am truly thankful for the opportunity to have her as the overseer of my loan.
Give her a call If you are in the market for a home loan. You won’t regret it!
“Indu Kapoor and her team were phenomenal! She is so knowledgeable and responsive, she answered all of our questions”
Indu Kapoor and her team were phenomenal! She is so knowledgeable and responsive, she answered all of our questions and gave us all the resources we needed to feel informed. I will recommend her to everyone! I look forward to working with her and her team in the future.
JJames J.
“Indu is THE BEST lender I know. She is my go to for my clients. Indu is available 7 days a week and responsive, fast and gets the deal done. Highly recommend.”
Indu is THE BEST lender I know. She is my go to for my clients. Indu is available 7 days a week and responsive, fast and gets the deal done. Highly recommend.
“Always providing exceptional service! Her professionalism, expertise, and dedication to finding the best mortgage solution for my clients is truly impressive.”
I am writing this review for Indu Kapoor for always providing exceptional service to my clients!! I have worked with Indu multiple times towards a very smooth and seamless transaction till closing every time! Her professionalism, expertise, and dedication to finding the best mortgage solution my clients is truly impressive. She takes the time to understand the unique situation for each client and guides them through the entire process with clarity and transparency.
Her communication is top-notch, keeping me and my clients informed every step of the way. I highly recommend Indu Kapoor to anyone looking for a reliable and trustworthy lender. Five stars isn't enough - she deserves ten!"
“Extremely professional and always on top of things. Very responsive and never misses a beat. If she says she can do it, she will do it. Truly appreciate all of her efforts.”
Indu Kapoor is one of the best lenders I have worked with . Extremely professional and always on top of things . Very responsive and never misses a beat . If she says she can do it , she will do it . Truly appreciate all of the efforts you have put in to help my buyers close . Thank you Indu .
“Indu is amazing! Her and her team work to get the job done on time or early! As a realtor, to be able to have this consistency and support for my clients means everything!”
Indu is amazing! Here and her team work to get the job done and on time or early! As a realtor to be able to have this consistency and support for my clients means everything! If you are buying a home or refinancing CALL INDU!
“[T]hey follow the ethos of 'client first' and thorough with every detail. As a first home buyer... they were available to answer any and every question. The whole process was so smooth”
Indu Kapoor and her team at Guaranteed Rate are personification of client centricity… they follow the ethos of 'client first' and thorough with every detail. With so many lenders available today and ready to sell anything, there are hardly a few who believe as though they are buying a loan for themselves. Indu's team was one such who always put client in the front and worked for the client. As a first home buyer, when economic condition is worrisome and interest rates are daunting, they were available to answer any and every question. The whole process was so smooth and easy, the closing was so quick and we were on continuous communication all the time. I would highly recommend them and would definitely refer them to family and friends
“I was impressed with her professionalism and attention to detail. She went above and beyond to ensure my client received the best possible loan terms and rates.”
I recently had the pleasure of working with Indu Kapoor as a realtor for one of my clients. From the very beginning, I was impressed with her professionalism and attention to detail. Indu was always available to answer questions and provide updates throughout the loan process, which made the entire experience seamless and stress-free for both me and my client.
She went above and beyond to ensure that my client received the best possible loan terms and rates, and even helped them to navigate some unexpected hurdles along the way.
Overall, I would highly recommend Indu Kapoor to anyone looking for a knowledgeable and reliable lender.
“Indu and her team are AMAZING. I worked with her as a first time home buyer with a complicated renovation loan and she was so responsive, knowledgeable, and caring.”
Indu and her team are AMAZING. I worked with her as a first time home buyer with a complicated renovation loan and she was so responsive, knowledgeable, and caring through the whole process. Best of all, she gets things done, and fast! I also worked with her on a refinance and plan to continue working with her in the (hopefully) near future.
Response from Owner
Thank you so much Connor! It was our honor to work with you again!
“I refer Indu to my real estate clients all the time. She is always on top of things, responsive almost 24/7 and is able to get loans for people when other lenders have not been able to.”
I refer Indu to my real estate clients all the time. She is always on top of things, responsive almost 24/7 and is knowledgeable and able to get loans for people when other lenders have not been able to. I highly recommend her and she is my go to lender. Indu is amazing.
Response from Owner
Thank you so much! It is my honor to work with you and your clients.
“She's an absolute thorough professional!! She knows what she's talking about, is very responsive and is there to help you. I recently closed a property with her and highly recommend her.”
Indu is amazing, she's an absolute thorough professional!! She knows what she's talking about, is very responsive and is there to help you with all your questions. I recently closed a property with her and would highly recommend others to use her services.
“Indu and her team of professionals were extremely helpful, courteous and prompt. [T]he entire exercise was initiated, compiled, executed and finished within the specified time.”
Indu and her team of professionals were extremely helpful, courteous and prompt. I had given them a time frame to finish the mortgage process and to my surprise the entire exercise was initiated, compiled, executed and finished within the specified time. I wish there were 7 stars for Indu here, I would have given her and team 8 😊 Thumbs up and excellent work Indu. You have a client now who turned into a fan 😘
“She was always helpful, responsive, gracious and considerate of all my requests. ... She knows exactly what she is doing and helped me to always understand and be completely comfortable.”
I am so happy to have met and done business with Indu and her team. She was always helpful, responsive, gracious and considerate of all my requests. She knows exactly what she is doing and helped me to always understand and be completely comfortable with current and next steps.
You deal with a lot of parties in these transactions and anytime one was not meeting expectations, she went to war for me, advocating on my behalf. I can’t imagine having to go through this process without her.
I would not hesitate to recommend Indu and her team to anyone and everyone.
“She has saved several loans for me personally and for my clients! She sticks to her word... She is honest, very dependable, and always closes on time if not earlier!”
I cannot say enough about Indu Kapoor and her team! She has saved several loans for me personally and for my clients! She sticks to her word and has the client’s best interest in mind! She is honest and very dependable! She does what she says and always closes on time if not earlier! She has tons of experience and it clearly can be seen in her work! Highly recommend her!
“The best lending experience one can expect; Indu and team are awesome. [A] perfect blend of great customer service and technology adaption to present an extremely prompt... experience”
The best lending experience one can expect ; Indu and team are awesome. What a perfect blend of great customer service and technology adaption to present an extremely prompt and communicative "WOW" experience
“[S]he gave us step by step advice and focused on what is right... She educated us and smoothly finish[ed] the whole process. This is a great professional customer care service.”
Recently I purchased my first home in Texas. This market is growing very fast. One year ago I read the “D” magazine top mortgage professional list and read details about mortgage professional who has best knowledge, reputation, performance and experience. I found five award winner, best mortgage professional and one of the best executive in the business of mortgage arena as Indu Kapoor Branch Manager/Regional Renovation Manager of Guaranteed Rate.
I didn’t have any plan in my mind to buy any home now. In my 20 years married life never gave any present to my wife in our anniversary.
In month of October 2018 , I gave to my wife the name and contact information of Indu Kapoor and told her to give a call and ask Indu Kapoor that, you want to buy your first home. Let’s see how she could help you to achieve a gift of our 20th marriage anniversary?
My wife was communicated A-Z with Indu Kapoor to finish whole procedures to buy our new home. Since then Indu Kapoor gave us step by step advice and focused on what is right and what will be wrong for our future. She educated us and smoothly finish the whole process. She never felt bad us asking so many questions. This is a great professional customer care service for any kind of business.
We felt very comfortable and proud to work with Indu Kapoor, the best knowledgeable executive professional. Her honesty and commitment is unbelievable. She is high end negotiator for financing the loan. I recommend who are planning to buy or refinance their home to just give a call or email say hello to Indu Kapoor, and she will take over as role of executive personal and will be committed up to finalizing your closing. Wishing all best to Indu Kapoor.
Biswajit and Sumi Chowdhury
A recent first-time home buyer.
“When no other lender could handle our complicated situation with multiple investment loans, Indu & team came forward and made it happen for us. All transactions went smoothly.”
I highly recommend Indu Kapoor for any home loan needs: first time home loan, Refi, or investment property loans. When no other lender could handle our complicated situation with multiple investment loans, Indu & team came forward and made it happen for us. Not one time, two times, but many times. All transactions went smoothly and we always closed on time. Very hardworking, smart, and dependable team. Stop your search, and call Indu!
“I am a realtor in the DFW and we had somewhat of a complicated transaction on our hands but Indu was amazing and professional to work with through it all. Very positive experience.”
All great things to say about Indu and her team at Guaranteed Rate! I am a realtor in the DFW and we had somewhat of a complicated transaction on our hands but Indu was amazing and professional to work with through it all. Very positive experience. Thank you Indu!
“As a realtor, I have recommended Indu Kapoor to several of my clients and every time we closed successfully with complete customer care satisfaction!”
As a realtor, I have recommended Indu Kapoor from guaranteed rate to several of my clients and every time we closed successfully with complete customer care satisfaction!
“Indu and her team are extremely good and get the job done with amazing customer satisfaction and unbelievable knowledge on what needs to be done end to end. Highly recommend”
Indu and her team are extremely good and get the job done with amazing customer satisfaction and unbelievable knowledge on what needs to be done end to end
Highly recommend
“Got my personal home loan from her and she provides excellent customer service. Many of my clients have gotten their home loans from her. She is awesome and always gets it done.”
I have known Indu for several years. Got my personal home loan from her and she provides excellent customer service. Many of my clients have gotten their home loans from her. She is awesome and always gets it done.....
Did I mention she provides excellent customer service.
Kishore Chukkala
“When it comes to attention to detail industry expertise and clean paperwork Indu delivers... Our loan successfully completed and we are now in our own home”
When it comes to attention to detail industry expertise and clean paperwork Indu delivers I purchased my home after my friend suggested her and she worked with full honesty and integrity. Our loan successfully completed and we are now in our own home
Thank you Indu and Rate Team
“Indu and her team are amazing. She walked me through my whole process and made it so simple. She took the time to explain everything and answer any questions I had.”
Indu and her team are amazing. She walked me through my whole process and made it so simple. She took the time to explain everything and answer any questions I had. She literally walked me through the whole process and made it painless. Indu and her team are just wonderful!
“They are fast, efficient, and overall just the best group of people! I would refer her to anyone across the country that needs help with their mortgage!”
Indu and her team are the best! They are fast, efficient, and overall just the best group of people! I would refer her to anyone across the country that needs help with their mortgage! Thanks Indu for being great!
“Ms Indu is the best. She and her team worked tirelessly for us. If you're a first time home buyer, she's the best there is. Look no further.”
Ms Indu is the best. She and her team worked tirelessly for us. If you're a first time home buyer, she's the best there is. Look no further. I can't even thank her enough for all that she did for me and my family.
Response from Owner
Thank you so much for your kind words. It was our honor to be part of your home buying journey!
“Indu is a professional that gets the job done. She stays on top of the loan from start to finish. If she can't do the deal it cannot be done. Thanks for all your help!”
Indu is a professional that gets the job done. She stays on top of the loan from start to finish. She kept my buyer in the loop through the whole transaction. If she can't do the deal it cannot be done. Thanks for all your help!
Shunda Lacy
Dreambox Realty
“Ms. Kapoor's expertise and dedication made the loan approval process remarkably smooth.”
I am giving this rating because they have loan officer like Indu Kapoor.
I wanted to share my experience with Ms. Indu Kapoor who provided exceptional service during my recent home purchase. Ms. Kapoor's expertise and dedication made the loan approval process remarkably smooth. Thanks to her assistance, I was able to close on my home in just ten days.
SSachin G.
“Incredible knowledge, attention to detail, overly communicative, and all with a client-first approach.”
Simple: Indu Kapoor. Incredible knowledge, attention to detail, overly communicative, and all with a client-first approach. I’ve purchased 2 homes with her partnership…thankful for her and the team.
MMilton N.
“I have enjoyed working with Indu and her team. They have explained everything to me from day one and walk me through the steps.”
I have enjoyed working with Indu and her team. They have explained everything to me from day one and walk me through the steps. Indu was always available for all my questions, even on weekends.
MMichael A.
“It was such a pleasure working with Indu Kapoor and her team. Everyone was always available and happy to answer any questions we had during our home buying process.”
It was such a pleasure working with Indu Kapoor and her team. Everyone was always available and happy to answer any questions we had during our home buying process.
JJames O.
“Love Love working with Indu Kapoor and her team! I am a realtor and I refer her to all my clients. I only use her for my personal transactions as well. Quick and reliable!”
Love Love working with Indu Kapoor and her team! I am a realtor and I refer her to all my clients. I only use her for my personal transactions as well. Quick and reliable!
MMy N.
“Amazing experience and smooth processing of the Loan, Indu has been fantastic. She guided us in the entire process from end-to-end.”
Amazing experience and smooth processing of the Loan, Indu has been fantastic. She guided us in the entire process from end-to-end.
RRanjit G.
“My transaction was made simple because of the knowledge and expertise of each one of your team member and your leadership. Appreciate it very much, in building my legacy...”
Thank you for you and your team, my transaction was made simple because of the knowledge and expertise of each one of your team member and your leadership. Appreciate it very much, in building my legacy to my family and a partner in my business and investments.
