RateTrac Mortgage
Financing that moves as fast as your plans
RateTrac Mortgage is Menke Real Estate's sister company — same ownership, same commitment to honest, fast, client-first lending across the Inland Empire.
One ownership, seamless experience
Same team. Same standards. One less thing to worry about.
RateTrac Mortgage and Menke Real Estate are both owned by John Menke. That means when you're buying or refinancing, you have one person managing both sides of the transaction — not a referral chain where your lender and your agent are pointing fingers at each other when something slows down.
John is a licensed mortgage broker AND a real estate broker. That dual expertise means he sees the whole picture — pricing strategy, financing terms, offer strength — and can advise you accordingly before you even make an offer.
24hr
Pre-approval turnaround
All types
Conventional, FHA, VA, USDA, Jumbo
One person
You work with John directly
Local
Inland Empire and Southern California
Why RateTrac
Lending built around your transaction, not around a product
Speed matters at every step
Pre-approvals in 24 hours. Loans that move at the same pace as the real estate transaction — not a week behind it.
Clear communication, no runaround
You'll always know where your loan stands. No disappearing acts, no 'the processor will call you.' I handle this personally.
All loan types, including VA
Conventional, FHA, VA, USDA, jumbo — and the experience to know which structure actually fits your situation.
Part of your whole real estate plan
Menke Real Estate and Mortgage are sister companies under the same ownership. That means the financing and the transaction move together — one conversation, one person accountable for both.
Loan products
Every financing path, covered
Whether you're a first-time buyer with limited down payment, a veteran using your hard-earned benefits, or a seller reinvesting proceeds into a higher-value property — there's a loan structure that fits.
Conventional
Standard loan products for qualified buyers
FHA
Lower down payment, accessible to more buyers
VA
Veterans deserve a lender who knows VA loans cold
USDA
Rural and semi-rural properties in qualifying areas
Jumbo
High-value properties above conforming limits
Refinance
Rate and term refinances, cash-out options
How it works
From application to closing, one person
Pre-approval first
Before you shop, get pre-approved so you know exactly what you can afford. This step takes the guesswork out and strengthens your offer.
Match the loan to your goals
Not every loan is right for every buyer. John walks you through the trade-offs so you choose a structure that makes sense for your long-term plans.
Tracking all the way to close
You'll get automated updates from application through underwriting to funding. No wondering what's happening next — you'll know.
Visit RateTrac.com for the full lending experience
RateTrac Mortgage operates as a separate website with more detail on products, rates, and online applications. Start there or call us directly — we'll help you figure out the best first step.