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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!

Kaitlin was super instrumental in securing us our new home! Buying a new home can be stressful, but she made sure things went smoothly from start to finish! She was always ready to answer any concerns/questions we had. She definitely was on top of things, and as a result, we were able to close on our home purchase in a timely manner! Thank you, Kaitlin, for all your hard work. It was definitely a pleasure working with you as our lender! Highly recommended!

She is the best you are out of your mind if you don't hire here. She help us with closing of our 1st home buy and now that we decided to refinance she help us with all that she guide us and gave us all the information we need it to get things done. She is super reliable, flexible and great to talk if you need further information in any question you might have. We highly recons her and will be definitely be using her in the future. Thank you Kaitlin your the best.

I'm not sure we would've bought our house if it wasn't for Kaitlin. We were nervous about buying our first home but having Kaitlin engaged throughout the process helped soothe our anxiety. She responded with thoughtfulness and patience to our many inquiries and helped us model a variety of down payment and mortgage options to find the best fit. We had no idea buying could be as affordable as renting until she showed us! Almost all documents were conveniently emailed for electronic signature and the notary was coordinated for us when needed. In the middle of a pandemic we closed on our home in 30 days … Twice (original purchase and refinance) thanks to Kaitlin! Even after our purchase was complete Kaitlin contacted us about refinancing and saved us even more money. I honestly can't recommend Kaitlin enough … We'll be asking for her help during our next purchase or refinancing.

Kaitlin was an absolute life saver for our home loan experience! Being new to San Diego and first time home buyers, we were really struggling to find a lender we felt comfortable with at first. Thankfully I heard about Kaitlin through a friend at work! She is both experienced and personable, and she was happy to hold our hands throughout the process and give us all the guidance we needed at every step. Kaitlin is a great communicator and was very responsive to all of our questions. She was organized and got things done quickly, which we appreciated because we came to her a little late in the process and were on a tight schedule. I would recommend Kait to anyone, especially if you are a first time home buyer!

Kait was so valuable to us throughout the entire home buying process, from preapproval through loan funding. When we needed our preapproval and offer letter quicker than expected, she was able to get us what we needed immediately so that we could get the home we wanted. Throughout the escrow process, she proactively communicated what needed to be done and personally communicated with the seller to address any issues that came up on their side. Her responsiveness and open communication made the process very easy for us and she would be a tremendous resource for anyone looking for a new mortgage.

When you apply for a home loan for the first time, especially when you have moved to the US from another country like we did, things can get pretty overwhelming. Having said that, thanks to Kaitlin, that didn't happen! She did an amazing job helping us get our first home loan. She made it a great experience for us and with her help we found our dream home in San Diego! Kaitlin is very experienced and knowledgeable, but in addition to that she has really great customer service and is really on top of things. She helped us expedite the process and managed to get us a really attractive interest rate. She explains the steps of the process really well and is always available to answer your questions. We would definitely recommend working with Kaitlin!

Amazing experience working with Kaitlin! She was extremely knowledgeable, honest, hardworking and truly there for us every step of the way. We shopped around a bit for different mortgage lenders, but when Kaitlin was referred to us and we connected for the first time, we knew we were in good hands! She was so available and responsive each and every day (and night) through the escrow process, we literally couldn't have done it without her. She worked around our busy work schedule and supported con-calls and emails whenever we had questions. The home-buying experience can be stressful, but she worked her magic and made it the most fun and exciting process for my husband and I!