RetroRate

RetroRate, based in San Diego, offers innovative software solutions designed to empower real estate professionals in finding and marketing homes with assumable loans, enhancing user engagement and decision-making for agents and buyers. Founded in 2023, RetroRate operates out of San Diego, US, providing software solutions for the real estate sector. The company has completed one deal to date, securing USD 2. 2 million in Seed funding on June 9, 2025.

Swift Ventures led the latest funding round, with participation from Eniac Ventures, Interlock Equity, Keshif Ventures, Launch Factory, and others. The founder's background in the tech industry includes prior involvement with other startups, enhancing the company's strategic direction and innovation. RetroRate specializes in software solutions that enable real estate professionals and their clients to find, analyze, and market homes with assumable loans, especially those with favorable interest rates. Key offerings include the AI-powered RetroMatch™ loan scoring and side-by-side loan comparison tools, simplifying the decision-making process for agents and buyers.

Additionally, the company provides a Concierge service to facilitate transactions for clients, enabling access to homes that may have previously seemed unaffordable. Their tools integrate seamlessly into agents' websites, improving engagement and driving conversions, primarily within the US real estate market. RetroRate generates revenue through a subscription-based model that offers tools and services tailored for real estate agents. Their business transactions are structured to include partnerships with agents using RetroRate's proprietary technology, such as the RetroMatch™ loan scoring system and the Listing Prospector tool.

These offerings allow agents to leverage assumable loans for better deals, potentially resulting in higher commissions. Although specific pricing plans are not publicly detailed, the diverse integration options suggest multiple revenue streams from both B2B and direct-to-consumer transactions, supporting their competitive position in the real estate technology landscape. In June 2025, RetroRate raised USD 2. 2 million in Seed funding to develop tools for locating and evaluating assumable loans and to streamline the approval process.

The company plans to utilize this funding for expanding its market reach, targeting new geographic regions and enhancing its service offerings. Specific upcoming products are expected to include advanced evaluation tools for assumable loans, though exact release dates have not yet been disclosed.