top of page
.png)
Meet Tim Rhey
Mortgage Advisor | Owner, True Rate
NMLS #883312
1600+
Homeowners Served
15+
Years Licensed
3
Books Published
94%
Repeat Clients
Experience Matters. So Does Perspective.
.png)
After helping more than 1,600 homeowners, I’ve learned that getting a mortgage shouldn’t be about being sold a loan. It should be about understanding your options and making the decision that’s best for you.
That’s the philosophy behind True Rate.
We believe mortgage pricing should be transparent, options should be easy to compare, and borrowers should have more control over the process. Whether you want to work directly with me, use Self Checkout, or Shop Your Quote, the goal is the same: give you the information, pricing and guidance you need to make a confident decision.
Technology can make mortgages faster and simpler. Experience makes sure they’re done right. True Rate brings both together.
Better information. More control. A smarter way to mortgage.
Beyond the Mortgage.
I grew up in Wisconsin, met my wife, Megan, in Arizona, and eventually made Colorado home. Today, we're raising our family here, and when I'm not working on mortgages, you'll usually find me skiing, coaching high school football, traveling with my family, or finding some other reason to be outside.
Those experiences have shaped how I approach this business. A mortgage isn't just a transaction—it's connected to where people live, raise their families, build wealth and plan what's next. That's why I've always believed the advice matters just as much as the loan itself.
I Literally Wrote the Books on Mortgages.
Three published books built around one idea: consumers make better mortgage decisions when they understand how the business actually works.
Follow Tim
Mortgage advice without the mortgage-speak.
Rates. Strategy. Market updates. Real-world examples. And occasionally something completely unrelated.
[ FOLLOW ON INSTAGRAM → ]
bottom of page