What Our Customers Say About Us

Kait was absolutely extraordinary. Getting a mortgage as two self-employed business owners was never going to be straightforward, but she handled every complication with remarkable knowledge, patience and determination. She went far beyond what we ever expected, did an enormous amount on our behalf and secured us the best possible rate.

Kait anticipated issues before they became problems and always seemed to be three steps ahead. She even tracked down everything she needed from our accountant, patiently walked us through every stage and made sure we always understood what was happening and why. She helped us evaluate our options with excellent business sense, always keeping our best interests at the center of every decision. And she made it happen. Always. I can’t tell you the amount of times we were running scenarios on a Saturday night or rushing to pull an offer together on a Sunday!

Throughout the process, Kait became our mortgage broker, advisor, therapist and sounding board. Her calm, collected energy was incredibly reassuring, but behind that calm was someone advocating tirelessly on our behalf. And kicking butt! We trusted her completely.

Kait made sure we bought the right home with the right lender, and somehow turned what should have been the most stressful part of buying a house into a piece of cake. Even made it fun. She is incredibly smart, proactive and hardworking, as well as a truly amazing human being. We loved working with her and could not recommend her more highly.

Kaitlin was amazing and helpful every step of the way. She took on what can be an incredibly stressful situation and helped make it understandable. She answered all our questions, and ran different scenarios to help us find the best deal. She was also responsive any time we had questions. I highly recommend her to anyone who is in the process of buying a home!

I’ve known Kait for over 15 years and have referred clients to her in the past. However, I recently used her to buy a home and was very impressed. She went above and beyond and kept us in the loop every step of the way. I highly recommend Kait!

Kait was great. She worked fast and got us a great rate.

Kait is such a great mortgage lender. I went to Kait after working with two other lenders with inconsistent or dishonest communications. Kait helped me through the process with clear communication, got me a better rate and made sure it went super smooth!

Kait is amazing to work with! We worked with her for 2 home purchases and 1 refinance. She was super helpful and responsive, got us amazing rates every time! When we were first time home buyers she was very patient and walked us through every step along the way, made us super comfortable with what can otherwise be a stressful process. Highly recommend and will definitely be working with her again!

Kait saved me money and my sanity, which honestly feels priceless in the homebuying process. There isn’t a single person I’d rather have in my corner. She’s incredibly sharp, totally transparent, and somehow also one of the easiest people to talk to. She’s insanely responsive (like… how are you answering this fast?) and flexible, but what really sets her apart is how much she actually cares. She doesn’t just push you through the process, she walks you through every option, talks through pros and cons, and makes sure you feel confident in every decision. I never once felt like I was being “sold” anything. It always felt like she was genuinely working toward the best possible outcome for me. And she will absolutely hustle for you. Kait literally went door-to-door with my realtor handing out flyers to help me get into the exact neighborhood I wanted. Who does that?! Beyond all of that, she’s just someone you want to talk to. The kind of person who gives thoughtful, grounded advice but is never rigid or one-size-fits-all. Stop shopping around and call Kait. You will be so happy you did.

So easy to work with. Very personable. We had a ton of questions, lots of of maneuvering and she held our hand throughout the entire process. 10/10. Highly recommend.

Kait was wonderful to work with! If you are looking for a loan officer I highly recommend her. As a first time home buyer she explained everything in a way that helped me understand the process and put me at ease.

Kait was an excellent resource, and a joy to work with. She was easy to communicate with, was available to answer any questions I had, and secured me the best rate possible. This was not my first mortgage, but my first in CA, and she was very patient explaining things that were different from my previous experiences. She's been proactive in following up now that six months have past and I'm looking forward to working with her again when rates drop.

Kait worked alongside our realtor every step of the way to make sure our home buying process was seamless. She was very responsive and communicative through every step, taking the time to walk us through documents line by line. She gave us estimates for homes we were seriously considering and ran multiple scenarios for down payments and rates to give us a clear idea if something was in budget. She was able to work within a tight closing timeline and found us a competitive rate. Her transparency and communication made us feel confident in our purchase and we will definitely use her again for future financing.

Kaitlin is easy to work with! Helpful and gets deals closed!

I’ve been working with Kaitlin for over 10 years, and she is hands-down one of the best mortgage lenders in the business! We call her “Great Rate Kait” for a reason, she consistently delivers competitive interest rates, fast closings, and exceptional communication every step of the way. As a Realtor, I trust her completely with my clients because I know they’ll be in great hands from start to finish. Kaitlin is incredibly knowledgeable with first-time homebuyers, VA loans, refinances, and investment property financing. Her quick turn times, professionalism, and personal touch make her stand out from other lenders. I never have to worry about the ball being dropped when she’s on a file. If you’re looking for a trusted loan officer in San Diego who truly cares about her clients and goes above and beyond to get the job done, Kait is the one to call!

We're SO glad our realtor recommended Kaitlin to us. She was nothing but nice, happy, patient and helpful throughout the homebuying process. She was quick to return calls/texts and pretty much held our hand while we signed our lives away. Very thankful she was our loan officer. Highly recommend her and will be recommending her to friends in the future.

Kaitlin Sten is an amazing mortgage lender! She navigates the complexity of the mortgage world with an immense wealth of knowledge. I've worked with Kaitlin three times now, twice for purchasing processes, and once for a refinance, and each time she's been in constant communication and updates. She kept us informed throughout the entire process, and was able to gracefully navigate through different hiccups along the way. Mortgage brokers take so much sensitive information from you, that you absolutely need to trust them to protect your personal information. Katilin Sten operates in the most ethical way possible, and aspires to help you make the best choice for your circumstances.

Kaitlin was absolutely wonderful to work with. She’s kind, responsive, and always provided accurate information. She was reliable, easy to communicate with, and very flexible in helping us explore different options. I truly appreciated her dedication and would highly recommend her to anyone looking for a professional and caring broker.

Working with Kait was such a great experience! She made the whole process way less stressful than I expected. Kait is knowledgeable, always quick to respond, and genuinely cared about helping me make the best decisions. She was able to save me money on the home appraisal and credit score report fees! I recommend using Kait as your mortgage lender!!

Kait is the absolute best. Beyond helpful. Lightning fast with answers to all of our questions and concerns. Could not have been a better experience.

Kait is absolutely the best person to work with! She’s incredibly kind, and genuinely caring. If you’re looking for someone honest, transparent, and dedicated to helping you every step of the way, I highly recommend her.

Kait was incredible for us as we went through our first home purchase process. She was very helpful and patient as we had a ton of questions to ask and needed a lot of clarifications. She is extremely knowledgeable and was always available to help us whether it was late or early in the day. And we can’t forget, she got us a great rate as well!! She is great and I will be recommending her to everyone who needs her services!

I had an amazing experience working with Kaitlin! She was incredibly organized, always on top of every step, and kept me informed throughout the entire mortgage process. Her communication was clear, timely, and super reassuring. What really impressed me was how she went out of her way to secure a lower rate for me—she truly had my best interests at heart. It made a big difference knowing I had someone so trustworthy and dedicated in my corner. Highly recommend!

For over 15 years, we’ve trusted Kate with our loan needs, and she has consistently exceeded our expectations. Kate is incredibly professional, always willing to put in extra hours to get things done. Her timely responses, creative solutions, and support have made every step of the process smooth and stress-free. Working with Kaitlin feels like working with a close family member. We couldn’t ask for a better loan officer!

Kaitlin is amazing! She is very responsive, friendly and works to get you the best rates. I am glad we chose Great Rate Kate! I would definitely recommend Kaitlin for any mortgage needs!

Kait is a person you can trust with making one of the biggest decisions a person can make. Home buying. She worked incredibly hard to make the home loan process easy and understandable for us. She was always reachable when we had questions. She gave us great advice on locking in rates and getting a loan we could afford. She gets my highest recommendation.

Kaitlen Sten was an amazing help for me during a Refinance. She was exceptionally helpful and willing to guide me through the process. I would most definitely recommend her services. And want to say Thank you Kaitlin for everything you did to make it go smoothly.

Working with Kaitlin Sten was an incredible experience! She helped us buy our first home in San Diego and made the entire process smooth and stress-free. From the start, Kaitlin explained everything clearly and gave us options tailored to our needs. She was present every step of the way, especially during the closing process, and always made us feel confident in our decisions. Even a year later, she remains in contact with us, always offering valuable advice. We couldn't have asked for a better loan officer—highly recommend Kaitlin to anyone looking for a reliable, knowledgeable, and caring professional!

Kaitlin recently helped us purchase our first home and our experience with Kaitlin was absolutely AMAZING! As home buying rookies we were apprehensive to take the leap into home ownership in the current market, but Kaitlin helped us every step of the way. She even knocked on doors with our realtor in the neighborhood we wanted to live to try and find inventory for us! Kaitlin was always available to answer any of our questions, and was kind and honest throughout the process. She went well above and beyond what I would ever expect from a broker. We absolutely recommend Kaitlin and look forward to being her clients for life!

I have worked with Kait on a few deals and she is nothing short of phenomenal. She is tenacious, thorough and has excellent communication. She has consistently gone above and beyond for my clients and I couldn't happier as a realtor, and as a person to have her in my corner! I would HIGHLY recommend using Kait as your lender, your expectations will be exceeded!

Kait was incredible to work with. She basically took all of the headache in this process off my plate, communicated with insurance agents, my agent, etc and just gave me updates as needed as well as kept me in the loop with challenges. My loan was not an easy one but she made it happen. She also got me a great rate!

Kaitlin is simply amazing! She’s always available, communicates well and super knowledgeable. Great Rate Kait is my go to lender.

Kaitlin was absolutely amazing! We needed to be pre-approved quickly for a loan and from the moment we first talked to her she was extremely helpful and a tremendous resource. She responded to all of our questions at all hours to be able to offer a very quick close. She gave us numerous options and helped guide us to an option that worked perfectly and helped us get the home of our dreams. We could not have done it without her and could not recommend her more. Thank you for everything Kaitlin!

Kaitlin was a great help on both my home mortgagees. She guided me though all the steps and options to lock in the best rate and get my dream home.

Kaitlin is extremely professional and knowledgeable. She was instrumental in us bring able to purchase our first home. Always ready to go the extra mile, tirelessly offering different solutions and available 24/7 it seems, in a way that our traditional bank never would have been able to. We couldnt have done it without her and would recommend her to anyone looking to buy or refinance a home.

Had the pleasure with working with Kaitlin recently. Definitely made my experience as first time home buyer a very positive one. I would definitely recommend Kaitlin and her team to anyone. With all the stress home buying can be they made it manageable.

I recently had the pleasure of working with Kait to buy my first home. Kait was amazing every step of the way from sitting down day one to discuss a budget/loan options to closing escrow. She made sure I understood every step of the process and was able to accommodate my challenging work schedule. I would highly recommend Kait for your home financing needs. Thank you so much for all of your time and dedication that went into helping me finance my first home!

My experience was very fruitful and rewarding. Kaitlin is highly professional. We had set goals that were addressed in a timely and successful way. Any issue that surfaced throughout the process was systematically addressed and minimized. The goals were successfully completed a head of schedule which made the outcome so much more pleasant and rewarding. Without question I would pick Kaitlin and her team the next time I am ready to purchase.

If you are looking for a hard working, honest, reliable lender, then this is the right partnership for you! Without her even saying it, you can naturally tell that her relationships with her clients is most important. Kait goes over and beyond to help. One night my printer wouldn’t work which of course was the day the documents were due, Kait personally printed and hand delivered these documents for me to sign. That is top notch service! Thank you again Kait

Kaitlin took care of my refi a few months back. She took the time to listen my needs and concerns and understood what it was I wanted to accomplish. Kaitlin then provided several options, gave me the pluses and minuses of each, and then guided me through the process step by step. She worked hard to keep everything moving quickly and communicated daily, sometimes more, throughout the entire process. This was essential to completing the process efficiently and quickly. She was kind and thoughtful throughout the process. I will definitely go back to Kaitlin for future needs and recommend her to anyone. Thank you!

Without a doubt, the best! Kait is so knowledgeable and if a question arises that she can’t immediately answer Kait is very quick to find it. Such a joy working with her.

I recently had the pleasure of working with Kaitlin for my home purchase in San Diego, and I couldn't be more pleased with the experience. As a veteran navigating the high-cost housing market, Kaitlin's expertise was invaluable. She made the entire process feel secure and manageable, demonstrating a deep understanding of the unique needs of veterans, and just my own personal needs. Her knowledge of the local market is unmatched, and her responsiveness to my inquiries was both swift and thorough—no matter the complexity of my questions. Kaitlin's ability to provide clear, understandable answers was particularly impressive. I wholeheartedly recommend her to anyone looking to buy a home in the San Diego area. Her professionalism and dedication truly set her apart.

My husband and I had a fantastic experience working with our loan officer Kaitlin Sten . Kaitlin guided us through the whole buying process, and provided loan information to help us secure a suitable loan. She was attentive and explained the process throughly . She provided information on rate buy down and that really helped to decrease our overall mortgage payment. We put our trust in Kaitlin and she did not disappoint. Overall her responsiveness and expertise helped us so much in buying our first home. Thank you so much Kaitlin!

Kaitlin is a Rockstar!!! So unbelievably fun to work with. Such positive energy. Her personalized videos were very helpful in helping me understand the process for various stages of my purchases. She felt more like a long time friend who just so happens to kick ass at her job. You won't be dissatisfied working with Kaitlin!

I can't say enough good things about Kaitlin Sten. I wanted to refinance my existing home mortgage and kept feeling like most of the lenders I spoke with only cared about closing a loan. Then I spoke with Kait Sten. I was upfront about what I was looking for. Kait was great. She listened and understood my situation and found the best product at the best rate for my needs. The whole process was easy, Kaitlin was always available to answer questions, and had a very approachable, relaxed, no pressure attitude. In other words everything I was looking for in a lender. What I loved most was the knowledge that she wanted what was best for me. I can confidently recommend Kaitlin for any of the mortgage products she offers.

Kaitlin is so great to work with. She is very knowledgeable and always communicated with us to make sure we understood where we were in the loan process. We have returned to Kaitlin multiple times to help us with our purchases and refinancing. I wouldn’t use any other loan officer - she’s the best!

I bought my first house through Kaitlin and she was SO helpful walking me through the process and explaining everything I had questions about. I enjoyed working with her and she made the process manageable for a first time homebuyer who didn't know anything about the process!!!

Kaitlin is the best at what she does! She helped me navigate the loan process every step of the way. She made sure I understood the process and what everything meant. She really did a great job and took care of me!

Kaitlin Sten is an amazing mortgage lender! She navigates the complexity of the mortgage world with an immense wealth of knowledge. I've worked with Kaitlin three times now, twice for a purchasing processes, and once for a refinance, and each time she's been in constant communication and updates. She kept us informed throughout the entire process, and was able to gracefully navigate through different hiccups along the way. Mortgage brokers take so much sensitive information from you, that you absolutely need to trust them to protect your personal information. Katilin Sten operates in the most ethical way possible, and aspires to help you make the best choice for your circumstances.

Thank you, Kaitlin from the bottom of my heart, for all of your help funding my first home loan and for navigating me through the jungle of documents and papers. Kaitlin will always explain the full process and make sure you feel comfortable with everything included in the documents prior to signing. She also answered any questions that I had in a timely manner. She will always be my go-to mortgage lender for any future home purchases or refinancing. I highly recommend using her!