Kimmer O’Reilly
Founder of RateThief.com
Mortgage Professional
What RateThief.com is
RateThief.com is built to connect homeowners directly with me and a small group of trusted loan officers — so you can explore options without getting bombarded by spam calls, random texts, and endless “rate quote” follow-ups.
The goal is simple: build a long-term relationship with you as a homeowner and help you make smart mortgage moves over time — refinances, cash-out, debt consolidation, HELOCs, or purchases — when it actually saves you money across your entire home-owning life.
And yeah — the pirate “Rate Thief” theme comes from my love of sailing… and the idea that finding you a great rate should feel like we’re stealing it (the legal kind) from the market.
My story
I had a great life, got cancer, and the mortgage industry helped save me. I got cancer again, and after that I did something wild — I sailed across the Atlantic Ocean solo. Now I’m back on land building a future, trying to start a family, and becoming the best mortgage professional I can be — while still keeping the sea in my blood.
