Welcome to a mortgage experience built around you.

At Rate Lock Mortgage, we believe getting a home loan should feel personal, not transactional. As a locally focused mortgage team, we take the time to understand your goals, your finances, and your timeline so we can guide you to the right solution with confidence.

Whether you’re buying your first home, upgrading to your next one, refinancing, or exploring investment opportunities, we offer a full range of mortgage options to fit your needs. But what truly sets us apart is how we deliver them — with personal guidance, clear communication, and real local expertise every step of the way.

We combine the flexibility and variety of a large lender with the hands-on service of a trusted local partner. That means competitive loan programs, efficient processes, and a team that’s always available to answer questions and help you move forward.

Because to us, a mortgage isn’t just a loan — it’s part of building your future, and we’re here to help you do it the right way.

I’ve always believed that business is personal.

For more than 25 years, I’ve built my career in the mortgage industry by focusing on
relationships first — because behind every loan is a family, a dream, and a future. Over the
years, I’ve had the privilege of growing and leading teams across Kansas, Missouri, Oklahoma, and New Mexico, serving in roles from Loan Officer to Regional Vice President.

Each step of the journey has strengthened my belief that lasting success comes from trust, leadership, and doing the right thing — every time

Recently, I took a leap that reflects both my experience and my heart for this business: I opened Rate Lock Mortgage. Building something of my own has allowed me to bring together everything I’ve learned over the past two decades — empowering loan officers, serving clients with excellence, and creating a culture rooted in integrity and long-term relationships.

Leawood, Kansas is home today, where I live with my wife, Cory, and our two kids, Brooks and Anna. My journey has taken me through different communities and markets, each shaping both my career and my perspective. Those experiences have given me a deep appreciation for the people and relationships that truly matter. No matter where life or business has taken me, my foundation has always been the same: faith, family, hard work, and showing up for the people who count on me. Cory and our kids are my greatest motivation and my proudest accomplishment, and they are the reason I work to build something lasting — not just professionally, but personally.

When I’m not working, you’ll usually find me spending time with family and friends, on the golf course, adding to my sports card collection, or cheering on the Kansas City Royals.

At the end of the day, whether in business or in life, I care about people. I care about building
something meaningful. And I care about leaving things better than I found them.

I’m grateful you’re here — and I look forward to connecting.

Ben Porras has been helping people with home financing for over 15 years and currently works
with Rate Lock Mortgage, serving clients across Kansas and Missouri. He focuses on making the
mortgage process simple and stress-free, whether someone is buying their first home,
refinancing, or investing.

Throughout his career, Ben has developed deep expertise in purchase and refinance transactions, guiding clients through every step of the lending process with clarity and confidence.

His background includes leadership roles, where he successfully led high-performing teams,
improved branch production, and consistently exceeded performance goals.
Known for his strong referral networks and commitment to compliance, Ben works closely with
realtors, builders, and financial advisors to deliver seamless lending experiences. He is
passionate about helping clients—from first-time homebuyers to seasoned investors—find the
right financing solutions to achieve their homeownership goals.

A lifelong Kansas Citian, Ben loves working in the same community he grew up in. When he’s
not helping clients, you’ll usually find him spending time with his family or cheering on the
Chiefs and Royals.