Advertiser Disclosure
Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs.
Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly.
Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.
Customer ratings and reviews are individual, subjective opinions of reviewers, and not those of Bankrate. We do not endorse the accuracy or relevancy of the information and opinions expressed by any reviewers or any responses to user reviews.
Drop Rate Customer Reviews
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .
The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.
Our mortgage reporters and editors focus on the points consumers care about most — the latest rates, the best lenders, navigating the homebuying process, refinancing your mortgage and more — so you can feel confident when you make decisions as a homebuyer and a homeowner.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Drop Rate customer ratings and reviews

5.0
6 ratings
This lender has 6 recent reviews.
100% of customers would recommend this lender.
6 of 6 reviews
The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.
In addition to collecting reviews on-site, Bankrate collaborated with third-party Slice MR to survey 750 homeowners nationwide in July 2024. Bankrate and Slice MR collected, averaged and presented responses to nine questions. Users received an incentive for their feedback. Responses are based on individual experiences, and therefore cannot be verified for accuracy. Submissions with user ratings that are materially inconsistent with written sentiment have been removed. User ratings are unedited and have not been reviewed or approved by lenders, nor do these ratings reflect Bankrate’s own reviews of these lenders.
To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Excellent customer service
I had worked with Adam for my home mortgage refinance, he provided me all the options with complete information and it was easy for to choose and move forward. I appreciate all his inputs during this process. I will recommend his services to my friends.
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Bhaskar
Mountain House (March 4, 2025)
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Perfect place for house mortgage
Drop rates, perfect place for house mortgage. Go with Adam and forget all the mortgage hustle during tough time. Adam is always making sure his customers are getting low rates as compre to other lenders. He is giving you right suggestions related to mortgage, you should try drop rate and feel relax during tough market. Just give him a chance and see the difference. I bet
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Hemant K.
Mountain House, CA (Feb. 25, 2025)
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Outstanding Experience with Adam – A True Professional!
Working with Adam as our mortgage broker was an absolute game-changer. From the moment we started the process, we knew we were in good hands. My wife and I were on a tight timeline — with our baby on the way, we needed to secure a home a month before the birth to get everything set up. Adam went above and beyond to make sure everything went smoothly and on time. What really set Adam apart was his communication. Whether it was a quick question or something more in-depth, Adam was always quick to respond to texts and emails, providing clear, thoughtful answers every time. In such a stressful situation, this level of communication made all the difference and gave us peace of mind. We never had to chase him down for updates – he was proactive and always kept us in the loop. Not only is Adam extremely knowledgeable in his field, but he’s also incredibly trustworthy. Every promise he made, he kept. Whether it was getting documents to us on time, providing expert advice, or guiding us through complex decisions, Adam was there every step of the way. He really made the whole process feel effortless. His professionalism was top-notch. Adam treated us with the utmost respect, and it was clear he genuinely cared about helping us get into our new home. Thanks to him, we were able to settle in right before our little one arrived, making the transition so much smoother. If you're looking for someone who is reliable, knowledgeable, and truly dedicated to getting the job done, I cannot recommend Adam enough. He made what could have been an overwhelming process feel seamless and stress-free. Thank you, Adam, for everything — we couldn’t have done it without you! -Jorge M
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Jorge M.
Denver, CO (Feb. 24, 2025)
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Attentive, informed, competent.
Adam with Drop Rate got us a mortgage for a second home, and did a solid job. He jumped right on initially and was available day and night. His lender fee is lower than most, but the service is higher. Highly recommend.
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Ben S.
Moorpark, CA (Feb. 20, 2025)
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Communication and Responsiveness
Adam was highly professional and knowledgeable. He provided clear guidance throughout the loan process, promptly answered all my questions, and ensured a seamless approval. I highly recommend his services!
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
REDDY
Tx (Feb. 17, 2025)
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Happy with lender services
I am Manikandan, recently I had done my refinance with Adam. Adam really helped me a lot in guiding and finding all the possibilities to help me getting better rates with patience. I am really happy with his service and recommend to my friends.
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Manikandan J.
CA (Feb. 12, 2025)
Response from Drop Rate:
Thanks Manikandan, it was a pleasure, we look forward to working with you again.
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes