Rate Reset | Loan Acquisition, Reset and Retention Software
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Transforming the Mortgage and Auto Loan Industry with

Rate Reset Technology

Adjust the rate and terms of mortgages and auto loans
with just a few clicks

Financial Institutions
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What is Rate Reset?

  • Technology that Empowers Consumers to Reset Their Existing Loan Electronically
  • Software that Automates Loan Retention
  • Brand that Protects Against Cost and Hassle of Refinancing in the Future
  • Feature of a Loan…Not a New Loan

Loan Acquisition, Retention & Reset Technology

  • Attract and Retain Customers
  • Compete More Effectively
  • Reduce Runoff/Churn
  • Increase Retention & Profitability

Rate Reset for Auto


Enables Consumers to Reduce Monthly Payments by Extending Term

LoanGEN for Auto


Consumers Design Their Custom Auto Payment And Move Their Existing Loan Over To You

Rate Reset for Mortgage


Empowers Consumers to Reset their Existing Mortgage Electronically

Rate Reset

  • Software Platform for Resetting, Reporting & Billing
  • Provide Forms, Addendums & Riders
  • Turnkey Employee Training and Marketing Solutions

Financial Institution

  • Set Rates and Screen Loans for Reset
  • Control All Loan Requirements
  • Review Included Forms, Addendums, and/or Riders


  • Customer Reviews Offer and New Terms
  • Approves and e-Signs Documents in less than 60 seconds

Simple to Join

  • Up and Running in less than 90 days
  • No New Technology Needed
  • No Changes to Processors
  • Minimal Back Office Support

Easy to Use

  • Rate Reset Dashboard Provides Administrative Control over All Loan Requirements
  • Turnkey Marketing Solutions Provided to Train Employees and Market to Customers
  • All Legal Documents Included (riders, addendums, disclosures, etc.)


Benefits for your Institution

Attract & Retain Customers

  • Competitive Differentiator
  • Gives Customers the Convenience & Ease of Resetting Without Cost & Hassle of Refinancing
  • Builds Trust & Peace of Mind with Customers

Compete More Effectively

  • Sets Your Institution Apart from All Competitors in the Marketplace
  • Broadens Product Offering

Increase Profitability

  • Increases Yield and Duration of Auto and Mortgage Portfolios
  • Frees Time to Focus on Generating New Business

Eliminate Back Office Cost

  • Eliminates up to $5,000 per Loan in Back Office Costs

Simple & Easy

  • Up and Running in Less than 90 Days
  • Turns a 60 Day Process into 60 Seconds
  • Turnkey Marketing Solutions to Train Employees and Market to Consumers
  • All Legal Documents Included (riders, addendums, disclosures, etc.)
  • Uses Current e-Signature Technology

Benefits for your Customers

Saves Time & Money

  • No Closing Cost
  • No Credit Checks
  • No Appraisals
  • No Paperwork

Simple and Easy

  • Eliminates Cost / Hassle of Refinance Process
  • Turns 60 Day Process into 60 Seconds

Builds Trust & Equity

  • Rewards Customers for Paying on Time
  • No Change to Amortization Schedule

Low Loan Retention Rates*


Industry Continues to Experience Low Mortgage Retention Rates

* Source: PWC: Mortgage Member Retention Survey (2007)

Cost & Hassle of Refinancing**


Cost to Originate a Loan
Has Increased

** “Origination Report: Loan Processing Times on the Rise, Closing Rates Improve in September” Sawnson, Jann, MortgageNewsDaily.com, 10/17/2012

HELOCs About to Reset***


million HELOCs

to Reset between
2015 – 2017

*** Source: Black Night Financial, September 2, 2014



testimonial_quoteRate Reset’s technology provides the mechanism to put our members in control of their mortgage. The Rate Reset Protection feature is consistent with our long-standing goal to provide products tailored for PenFed’s members and their families. This product empowers our members while also improving the overall member experience.

- J. Schenck, CEO, Pentagon Federal Credit Union

gte financial

testimonial_quoteGiven the challenges of today’s economy, GTE Financial strives to provide greater resources and services that improve our member’s lives and their economic stability. Innovation and technology are giving us more opportunity to make positive changes in the lending process for our credit union members

- J. Brancucci, President and CEO, GTE Financial


testimonial_quoteFSU Credit Union launched the Rate Reset and LoanGEN products in late 2015 in an effort to continue providing the most complete lending experience to our membership. The Rate Reset team provided consistent timely advice and direction which allowed implementation on a tight deadline. The credit union has already served enough members to more than cover the initial outlay after just a few months of being live.

- C. Adcock, EVP, FSU Credit Union


In the News


“Disruptive Innovation: The Harmony Loan…Rate Change at a Click”

Mortgage Banking


“Harmony Mortgage Network Would Bridge CU-Bank Divide”

Credit Union Times


“GTE Financial First CU Outside the D.C. Area to Offer Harmony Loan”

National Mortgage News



Only Company to Receive Straight A’s


Tech All-Star


Top 10 Tech Companies to Watch


TECH 100 Most Innovative Housing Technology Companies