Lane Sears brings more than 20 years of mortgage industry experience to his role as branch manager at Rate in Houston. His background spans joint ventures with builders and real estate agents in Chicago, along with private banking experience in Houston — giving him a well-rounded perspective on strategic deal structuring and high-level client service.

A former college football player, Sears applies the discipline and teamwork he learned on the field to his leadership style, having earned a reputation for speed, precision and responsiveness. He strives to be a partner to real estate agents, often working closely with them to prepare offers. By leveraging Rate’s Same Day Mortgage process, he helps buyers get clear-to-close approvals during the contingency period — allowing agents to write cleaner, more competitive offers with fewer contingencies. This speed and certainty make his clients’ offers more appealing to sellers and listing agents, often giving them an edge over cash buyers.

“Same Day Mortgage has changed the game,” Sears says. “We’re getting clear to close in 24 hours and closing deals in under 10 days. That kind of speed gives our clients unmatched negotiating power.”

Sears leads a high-performing team focused on delivering an exceptional experience to both clients and agents, all while growing the Rate brand across the Houston market.

Rate, Inc. is a private corporation organized under the laws of the state of Delaware. It has no affiliation with the U.S. Department of Housing and Urban Development, the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture or any other government agency.