#1 Loan Officer Nationwide · 6 Years Running
The most trusted name in mortgage, working for you.
Over 40,000 closed loans and $10 billion funded across a 20-year career. Whether you're buying your first home, refinancing, or financing an investment property, Shant Banosian and his team deliver private-bank service nationwide — in all 50 states.
no-obligation consultation · No obligation · Takes 2 minutes
$10B+
Funded in Loans
40,000+
Closed Units
20
Years Experience
50
States Served
About Shant Banosian
A career built on production and trust.
Shant Banosian is Rate's #1 Loan Officer for 9 consecutive years and the #1 Loan Officer nationwide for 6 years running. Over a 20-year career he has closed more than 40,000 units and funded over $10 billion in loans for families and investors across the country.
That production isn't an accident — it's the result of relentless attention to detail, deep product knowledge, and a service standard that treats every borrower like the most important client in the room. From first-time buyers to high-net-worth jumbo financing, Shant and his team have seen it all and closed it all.
Shant Banosian
President, Rate · NMLS# 7206
Loan Options
Every mortgage product, under one expert.
No matter how simple or complex your situation, there's a financing path built for you. Explore the products below — then start a conversation and we'll match you to the right one.
Conventional Loans
Competitive fixed and adjustable-rate options for buyers with strong credit. Down payments as low as 3% for qualified first-time buyers.
FHA Loans
Flexible credit requirements and low down payments designed to make homeownership accessible. A strong fit for first-time and credit-rebuilding buyers.
VA Loans
For veterans, active-duty service members, and eligible spouses — zero down payment, no PMI, and competitive rates. You've earned it.
Jumbo Loans
Financing above conforming limits for luxury and high-value properties, with tailored structures for high-net-worth borrowers.
Investor & DSCR Loans
DSCR, LLC, and portfolio financing that qualifies on property cash flow — built for real estate investors scaling their portfolios.
Self-Employed & Complex Income
Bank-statement, asset-depletion, and alternative-documentation programs for business owners and borrowers with non-traditional income.
No commitment required. Just answers from a true expert.
Buying a Home
Make your strongest offer with confidence.
Whether it's your first home or your fifth, a pre-approval from Shant's team gives you a real advantage. Sellers take fully-underwritten buyers seriously — and you'll know exactly what you can afford before you fall in love with a listing.
- First-time buyers — low down payment programs and step-by-step guidance.
- Move-up buyers — coordinated buy-and-sell strategies so you're never stranded.
- Second & vacation homes — financing for that getaway property.
- Foreign national & ITIN — specialized programs for non-traditional borrowers.
Most pre-approvals start in under 2 minutes. No credit surprises.
Refinance & Equity
Put your home equity to work.
Lower your payment, shorten your term, or tap into the equity you've built. We'll run the real numbers and tell you honestly whether a refinance makes sense for you — no pressure, no spin.
Rate & Term Refinance
Reduce your interest rate or pay off your home faster with a shorter term.
Cash-Out Refinance
Access your equity for renovations, debt consolidation, or major expenses.
Debt Consolidation
Roll high-interest debt into one manageable mortgage payment.
Honest answers in minutes. No obligation to proceed.
The Process
A clear path from hello to keys.
Mortgages don't have to be confusing. Here's exactly how we'll work together.
Consultation
We learn your goals, review your situation, and map out your best options — completely free.
Pre-Approval
Get fully underwritten so you can shop and make offers with the confidence of a cash-strong buyer.
Processing
Our team handles the paperwork and keeps everything moving — with proactive updates at every step.
Closing
Sign, fund, and get your keys. Then we stay in touch for every future refinance or purchase.
Step 1 takes just 2 minutes — and there's no obligation.
What Clients Say
Trusted by thousands of families and investors.
"Shant's team closed our home purchase in 19 days when two other lenders said it couldn't be done. As first-time buyers we were nervous, and they walked us through every single step."
Melissa & Dan R.
First-time buyers · Boston, MA
"As a self-employed business owner, I'd been turned down twice before. Shant's team found a bank-statement program that fit perfectly. I finally own my dream home."
Andre T.
Self-employed buyer · Austin, TX
"I've financed six investment properties with Shant's team using DSCR loans. They understand investors and move fast — exactly what you need in a competitive market."
Priya K.
Real estate investor · Phoenix, AZ
Common Questions
Answers before you start.
Does Shant's team work in my state?
Yes. Shant Banosian and his team are licensed to serve borrowers in all 50 states, whether you're buying, refinancing, or financing an investment property.
How much do I need for a down payment?
It depends on your loan type. Conventional loans can go as low as 3% down for qualified first-time buyers, FHA as low as 3.5%, and VA loans require zero down for eligible service members. We'll find the best fit for your goals during your consultation.
I'm self-employed. Can I still qualify?
Absolutely. We offer bank-statement, asset-depletion, and alternative-documentation programs designed specifically for business owners and borrowers with complex or non-traditional income. Being self-employed shouldn't keep you from owning.
How fast can you close?
Timelines vary by loan type, but our team is known for speed. Many purchase loans close in as little as two to three weeks when files come together quickly. We'll give you a realistic timeline up front and keep things moving.
Is the consultation really free with no obligation?
Yes. The initial conversation is completely free and carries no obligation. You'll get honest answers about your options and a clear sense of next steps — whether or not you decide to move forward with us.
You're closer than you think.
Most borrowers are surprised by what they qualify for. Start a conversation with the #1 loan officer in the country — purchase, refinance, or just questions. No pressure, just clarity.
No commitment · No credit impact · Just answers
Shant Banosian · President, Rate · NMLS# 7206 · shant@rate.com
