About Us
We exist to simplify the home financing process, combining modern technology with expert human guidance.
Our Mission
At Wonder Rates, we believe that getting a mortgage shouldn't be the hardest part of buying a home. For too long, borrowers have navigated a maze of confusing terms, slow processes, and opaque pricing.
By leveraging AI-powered tools and partnering directly with wholesale lenders, we bring transparency and efficiency back to the borrower. We don't just find you a loan—we find you the right loan for your long-term goals.
Duc Pham
- Recognized by Scotsman Guide as one of the top mortgage brokers in the U.S.
- Top mortgage broker in California
- Leading mortgage broker serving the Vietnamese community in the U.S.
Duc leads a team that guides homebuyers and homeowners in both English and Vietnamese, helping Vietnamese American families across our licensed states navigate U.S. home financing with advice in the language they're most comfortable in.
Licensed in 17 states — and growing.
Hover or tap a state to check availability. If we're not in your state yet, we're on the way.
- Alabama
- Arizona
- California
- Colorado
- Florida
- Georgia
- Louisiana
- Michigan
- North Carolina
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- Texas
- Virginia
- Washington
Don't see your state? New licenses are in progress — check back soon or give us a call.
Meet the Team
The dedicated loan experts and industry leaders making your home financing experience completely seamless.
Ready to get started?
Our experts are ready to help you find the best rate.