(15K+ Families Served)
Your life doesn’t fit a mold - your mortgage shouldn’t either.
- Great financing starts with clarity.
Since 2005, First Rate Financial has helped people understand their options so they can move forward with confidence.
We listen first, then build a mortgage plan that fits your life.
No pressure. No jargon. Just guidance you can trust.
- ABOUT US
Welcome to First Rate Financial
Your Trusted Mortgage Partner
At First Rate Financial, we believe getting a mortgage should be easy, fun, and educational. As a mortgage brokerage driven by industry-leading communication, technology, and service, we are committed to making a positive impact on the community and the people we serve. Whether you're a first-time homebuyer or a seasoned real estate investor.
- Expert Mortgage Guidance
- Industry-Leading Technology
- Competitive Interest Rates
- Fast & Hassle-Free Approvals
- Exceptional Customer Service
- Long-Term Financial Benefits
- faq’s
frequently asked questions
We understand that securing a home loan can be a complex process. To make it easier, we’ve compiled answers to some of the most common questions.
We take pride in helping our clients achieve their homeownership dreams with tailored financial solutions.
Customer's No. 1 Choice
How do I qualify for a home loan?
You qualification is broken down into three areas: credit, income, assets. If one area is lacking, it can potentially be made up for in other areas. We will review all of your options with you and explain clearly what you qualify for – and how to get ready if you’re not there yet.
What is the minimum credit score needed?
Many loans require a 580–620 credit score, but we also have programs for borrowers with no credit score. We’ll help you find the best fit.
How much down payment do I need?
We offer zero-down and low down payment options for almost any budget. Talk with one of our friendly mortgage brokers to find the program that best fits your goals.
What loan options are available?
As a wholesale brokerage we offer nearly every kind of mortgage product available. Conventional, FHA, VA, USDA, single-family, condos, multi-family properties, loans for self-employed borrowers without the need for tax returns, Debt-Service-Coverage-Ratio loans for investors, loans for short-term rental properties, loans for those with no credit score, and many more!
- let’s learn
As an education-based mortgage company, we strive to provide helpful information.
Visit our learning center to learn
some great tips about buying a home.
- testimonials
Our Clients Are the Foundation of Our Success.
Our clients share their stories and insights about working with us. Dive into their experiences to understand how we prioritize your legal success.
- blogs
