Home Loans by
SARAH RILEY
& THE RILEY
HOME TEAM
The Riley Home Team’s mission is to make real estate accessible and inclusive, empowering clients through clear and credible education. We are committed to integrity, excellence, and innovation; delivering creative solutions that build lasting wealth and lifelong partnerships.
Above all, we want each client to feel comfortable and confident in the people they work with, and the process they go through.
Your New Home Awaits
Find out what you may qualify for!
Meet
THE SARAH'S—
Sarah Riley & Sarah Langrock
The Sarahs believe that helping people comes first. It’s more than a motto — it’s how they do business. Together, Sarah Riley and Sarah Langrock bring years of experience, heart, and a genuine commitment to putting their clients’ needs above all else.
There are plenty of lenders who can do a loan, but what makes The Sarahs different is the care and connection they bring to every relationship. They take the time to understand each client’s story, goals, and financial picture — ensuring the loan is perfectly tailored to fit their life, not just the paperwork.
With deep knowledge, exceptional communication, and a powerhouse team behind them, The Sarahs deliver a lending experience that’s personal, seamless, and focused on creating lasting success for their clients and partners alike.
SARAH
Riley
Producing Branch Manager
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Over 15 years of experience as a trusted mortgage professional, delivering expert guidance and personalized solutions.
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People-first approach — believes that relationships matter more than transactions, and success is built on trust and service.
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Proud to have guided over 2,500 families since 2008, turning homeownership dreams into reality.
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Consistently ranked in the Top 1% of Mortgage Originators nationwide by volume, a reflection of commitment and performance.
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Recognized as a 5-Star Professional, known for exceptional service and client satisfaction.
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Dedicated to helping clients grow long-term wealth through real estate, with a focus on financial literacy and smart planning.
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Actively involved in numerous charitable organizations, giving back to the communities served and supporting causes that matter.
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Co-founder of Moxie and Momentum Syndicate, a marketing and systems company providing innovative solutions for lenders and real estate agents.
SARAH
Langrock
AVP, Mortgage Lending
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Focused on financial wellness and guiding first-time homebuyers, helping clients build strong foundations for long-term success.
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Committed to credit education and improvement, empowering individuals to take control of their financial future.*
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Over 15 years of experience in banking and lending, offering trusted expertise and personalized support.
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Driven by a belief in transparency and empowerment, creating a client experience that is honest, clear, and confidence-building.
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Collaborates closely with real estate professionals, community leaders to increase access to homeownership and promote financial inclusion.
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Leads RHT’s Credit Readiness Program, helping nearly 100 families repair credit and achieve first-time homeownership.*
*Rate does not provide credit counseling or credit repair services.
AWARDS
2021
Diamond Club
2018 - 2020
Chairman's Club
2013 - 2025
President's Club
Top 1%
Mortgage Originator
by Volume
Circle of
Excellence
About
RATE
Your financial well-being matters
When we began our journey 25 years ago, we were on a mission to deliver more value to customers than any other bank or mortgage company.
Rate was built on the principles of low rates, groundbreaking technology, complete transparency, excellent customer service and a quick, easy mortgage experience. We knew that to achieve the mission of being the best mortgage company for customers, we also needed to be the best mortgage company for employees and referral partners. We achieved that by innovating superior systems and technology to make the mortgage process easier and more transparent for everyone, and by creating a culture of positivity in which people have the opportunities to improve their lives and achieve their dreams.
This mission has led Rate through an impressive journey of growth. Within the first three years, the company became Chicago’s largest independent mortgage lender. The next twenty years have seen significant growth, and in 2023 funded over $35 billion across all Rate Companies.
What Our Clients Are
SAYING ABOUT US
LOAN PROGRAMS
available but not limited to...
Rate's conventional loans come in a variety of options and with excellent advantages for qualified borrowers. While FHA and other government loans can have certain property restrictions, a conventional loan can be used on nearly all property types.
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Down Payment Assistance
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HELOC/HELOAN [1]
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Bridge [2]
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Bank Statement for Self Employed
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Asset Utilization [3]
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Renovation/Rehab, Construction to Perm [4]
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Land/Lot
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Hobby Farm
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Interest Only [5]
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Manufactured Homes
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Investor DSCR [6]
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ITIN
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Foreign Nationals
& More
[1] Rate's HELOC is a fixed-rate open-end product using your home as collateral. Not available in all states. Go to Rate.com/HELOC for information including important property and borrower requirements and restrictions which impact rate and max available loan amount. Subject to approval.
Available as closed end, fixed rate, second lien. Restrictions regarding debt to income, loan amount and total number and/or value of liens and financed properties applies. Minimum equity and FICO score requirements apply. Existing first lien must be fully amortizing fixed rate or adjustable rate mortgage. Not available in all states. Not all applicants will be approved. Applicant subject to credit and underwriting approval. Not a commitment to lend. Contact Rate for more information.
[2] This product is only available with a new primary residence purchase transaction completed by Rate. Eligible borrower's departing residence must be listed for sale at the time of application or borrower must obtain a listing agreement prior to clear to close. Loan amounts range from $85,000 to $1 million. Not all applicants or properties will be approved. Minimum FICO score, debt to income, loan type, and other requirements and restrictions apply. Not available in all states. Please visit rate.com/lp/rate-bridge for full terms and conditions around this offer. Restrictions apply.
[3] No liquidation is required to determine eligibility. Purchase as well as Rate and Term refinances are allowed on primary residences, second homes, and investment properties. Multiple qualifying income options are available for eligible borrowers. Applicant subject to credit and underwriting approval. Additional Restrictions apply.
[4] Financing available as 15 and 30 year fixed rate loans for purchase and rate/term refinance transactions. Loan amounts available from $270,000 to $806,500. Private Mortgage Insurance required. Minimum Fico score, debt to income, and loan type restrictions apply. Private Mortgage Insurance required. Not available in all states. Applicant subject to credit and underwriting approval. Restrictions apply.
[5] Interest only payments apply for the first 10 years of the loan after which time payments will increase to include both principle and interest.
[6] Eligible borrowers must have a minimum DSCR of .75. Property type restrictions apply. Eligible for fixed and adjustable rate mortgages. Interest only payment options are available. Gift funds may be used for down payment and closing costs after the borrower has documented the minimum required borrower contribution. Applicant subject to credit and underwriting approval. Additional restrictions apply.
