About Chris Planto
I have been helping families get loans to purchase their dream homes since 2002. I am experienced in all loan types, including FHA, Conventional, Home Equity, Construction and Renovation, Texas Veterans Loan Programs, Jumbo, and VA Loans. I always find it a rewarding experience helping a veteran with a loan program, serving the men and women who have served or currently serve our great nation. As the mortgage industry constantly evolves, I make it a priority to stay abreast of the changes so I can competently serve my customers. Purchasing a home should be a wonderful experience. My goal is to guide you through this experience with the right answers and guidance along the way. Every day, I help my clients get approved to purchase their new homes; for some it is their dream home, for others it’s their first home, or maybe an investment property. My experience has taught me the importance of being thorough when handcrafting mortgages that truly are unique. Regardless of where you are in your homebuying journey, my team will take the time to understand your goals and get you to the closing table on time. I am committed to the satisfaction of each customer; after all, I rely on you for my future business. My success is solely credited to my customers who have placed their trust in me. I have been honored to be named one of the Top 1% of Loan Originators in America since 2015*, the top loan officer in my branch, and a member of Presidents Club for Guaranteed Rate. In my spare time, I spend as much time as possible with my incredible wife, Amanda and our three kids – Bryce, Brynn, and Breah. Continuing to have a balance between work and family is important to my goals as a Loan Officer and as a dad and husband. Our family enjoys traveling and being active in our children’s school, sports, and other extra-curricular activities. If you or someone you know would like to discover your happiest way home, please give me a call. *Mortgage Executive Magazine
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 2603 Augusta Drive, Suite 420 Houston TX, 77057
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.