About Dean Rizzi
**Dean Rizzi** is a top 1% Loan Officer and has closed over $2 Billion in funded loans in the course of his tenured career. He and his team deliver a high-touch, high-consultancy philosophy to service, with the goal of being your lender for life.
Dean and his team are committed to honest service, low interest rates, and a stress-free mortgage experience. Equipped with over 25 years of mortgage lending experience, Dean works closely with real estate agents throughout San Francisco/North Peninsula and the Tahoe/Truckee areas to ensure an efficient process for every client. Dean's business philosophy is simple and straightforward: "I strive to keep my clients for life," he says.
When you work with Dean and his team, you can expect plenty of communication, a timely closure and no surprises. Every day, Dean thoroughly researches and analyzes loan programs offered by lenders across the country to stay well-informed, answer questions and find the best possible interest rates for his clients. From homebuying to refinancing, Dean takes special care to pick the right loan product for his clients' needs.
In his spare time, Dean enjoys the mountains, golf, fishing, mountain biking, and playing guitar. Dean is an avid dog lover and supporter of the Society for the Prevention of Cruelty to Animals (SPCA).
**About Dean's Team:**
**Chance Haynie** (*Associate VP of Mortgage Lending*) has been with Dean Rizzi for over 13 years and is one of the lead drivers of our team's success. He excels at knowing guidelines inside and out to make sure the product selected is the perfect fit for our borrowers. He is there to answer questions for our borrowers and agent partners, keeping them up to date on everything from needed documents to where the loan is in process. Chance is dedicated to making sure loans close accurately and efficiently.
*Applicant subject to credit and underwriting approval. Restrictions apply.*
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.795% | 0.931 ($3258.50) | $2209.94 |
| 15-year fixed | 5.500% | 5.985% | 0.742 ($2597.00) | $2859.79 |
| FHA loan | 6.000% | 7.044% | 0.79 ($2411.48) | $1966.87 |
| VA loans | 5.990% | 6.511% | 0.79 ($3227.94) | $2447.14 |
| Jumbo loans | 6.125% | 6.394% | 0.886 ($7974.00) | $5468.49 |
* Rates current as of 4/6/2025 03:39 am, provided by Dean Rizzi, for San Francisco County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 41 Freelon Street, San Francisco CA, 94107