First Rate Financial offers you the same service as the larger banks, but with less charge.
You will find a combination of rates and fees much lower than your local or national bank/lender. We want you to receive a great deal with great service so you’ll never need to call another mortgage company again. Our goal is to become your lender for life.
Our Clients Love Us
Check out what our clients are saying about us
Amazing to Work With
First Rate Financial was so amazing to work with! My husband and I just purchased our first home and they were there every step of the way! We worked with Chris Dixon and he made everything so easy. He told us everything we needed upfront and we were actually ready to close early if we wanted to because everything went so smooth. We so appreciate their help and expertise. We will definitely recommend them and use them in the future.
Quick and Professional
I can’t say enough about Sarah Miller & how grateful we are to have worked with her on our home loan! Sarah was so quick to get us pre-approved, and was INCREDIBLY helpful in explaining the process for our home loan. She helped us get our interest rate to the lowest available, which saved us so much money, & worked hard on our behalf. She was quick, professional, and we are so confident in her services as well as pleased with the process! We will recommend Sarah Miller with First Rate Financial, LLC to all of our family & friends!
Professional and Dedicated
My wife and I worked with First Rate Financial to secure a mortgage in June under a very compressed time schedule. We were leaving on vacation overseas and we had to complete our application and all the required supporting documentation in less than 10 days. They were extremely helpful in guiding us through this process and working with both the lender and the title company to make sure we had the correct information in a timely fashion. With their help, we were able to complete the application on time before our trip and by the time we returned the loan was already approved. We are very grateful for their professionalism and dedication and we will certainly refer our friends
Sanaa and Said Azim
Chad Lemons at First Rate Financial helped us refinance our house. The experience was fantastic. Every expectation was exceeded and everything he said would happen, did happen. We got a great rate with no hassle, and the process was much faster than we thought possible.
Friendly and Knowledgeable
Jenny with First rate financial was amazing! I was given her name through a friend after a terrible experience with a large bank. Jenny was friendly and knowledgeable . She had a competitive quote in 2 hours after my initial call. We closed without any hiccups in 3 weeks. Closing was completed at my house and done in 20 minutes. I would highly recommend this company without any reservations and will be a repeat customer the next time I need any finance assistance.
My wife and I purchased our first home with the help of Jason Turner. With it being our first time going through the home-buying process, Jason was extremely helpful getting all of our questions answered, even if some of our questions were basic and obvious. Jason answered texts, emails and calls on Fridays and Saturdays and made sure everything was moving forward swiftly throughout the entire process.
I highly recommend First Rate Financial, and specifically Jason. He was incredibly knowledgeable and my wife and I were very impressed with how everything went.
Thanks, Jason (and the rest of the First Rate Financial team)! I’ll recommend these guys to future home buyers!
Jenny Bray did an outstanding job with my refi! Saved me money with every opportunity and sent people to me to get everything signed and closed. No one likes driving across the metroplex to close on a loan and I got to do it in my office at work
Building a new home presented several challenges, but Chad Lemons at First Rate Financial made the financing aspect of it a cinch. Circumstances caused our loan scenario and needs to change after the pre-qualification stage and after construction had commenced, which gave us great concern. He worked with us diligently until we found the solution that worked best for us. His work ethic, attention to detail, and customer service set him apart from the rest during a process that can be very stressful and confusing to home buyers that have limited experience with it. And when it came to our closing, he had our paperwork done almost a week early and his diligence made the process go as smoothly as possible. In fact, our builder sent us an email commenting on how rare it was for a broker to be so easy to work with and to be so organized with everything. I hope to be in my new home for a while, but when it’s time to move, Chad will be the first person I call!
Most Competitive Rate
I had a not-so-good experience with the company that financed my first house. Jason, at First Rate Financial, came highly recommended from a friend. He was able to get me pre-qualified in no time! He explained everything to me so that I clearly knew the process and had realistic expectations for each phase of the process. Finally, the day came when I found my house. I called Jason and he took the time to walk me through the next steps. When it came time to lock in my rate, Jason got me the most competitive rate at the best price. His work put me in the best possible position to purchase my new home.
My husband and I were completely satisfied with the efficient service we received from Chad. We had been working with another financial institution attempting to refinance our home for 4 months. We found out about Chad, and we had our refinance funded at a lower rate, with proceeds in hand, within 6 weeks!! We would recommend Chad to our friends, family and associates. Thanks so much Chad!
Karen and Mike Maguire
A True Blessing
Chad Lemons was a true blessing when he helped me refinance my mortgage. He was tireless, and even when it didn’t look like the loan would go through, he worked his miracles and not only got my loan approved in a timely manor but saved me several hundred dollars on my mortgage payment. I would highly recommend him to anyone. He is trustworthy, efficient and yes, even brilliant at tying up the loose ends to make a deal happen. In short, Chad Lemons is the man for the job!
Great Help Through the Whole Process
Tawna was great to work with. She explained the whole process very nicely in detail and was available to answer any questions any time. She always responded to queries very quickly and always suggested the best options available keeping the interest of the client in mind. She was a great help through the whole process and we highly recommend her.
Customer For Life
I was referred to First Rate Financial by a buddy that had a phenomenal experience. Chris Dixon was my loan officer. He and my real estate agent Dan make a great team. They are extremely knowledgeable, responsive and set the right expectations for their clients. Not to mention provide the lowest rates without you having to shop lenders. Keep up the great work, I’m your customer for good!
Excellent to Work With
First Rate Financial was excellent to work with. We received a recommendation from a friend after obtaining quotes from two other lenders. Chad Lemons and the team at First Rate Financial were able to get us a better interest rate and lower closing costs that either of the other two lenders – by a lot. At closing, the title company representative said that in all her years in the business, she’d never worked with a lender that was as good as Chad and First Rate Financial. Many thanks to Chad Lemons and the team at First Rate Financial.
So Easy and Convenient
Thank you so much to Jason Turner for helping us with our refinance. We never dreamed this process could be so easy and convenient. We could not have been taken care of better!! He was incredibly accommodating even with all of our silly questions! It was a breath of fresh air to have someone take the time to truly explain each detail! Thank you again Jason.. we will be sending all our family and friends your way!
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|30 Year Fixed
|30 Year Fixed FHA
|20 Year Fixed
|15 Year Fixed
|10 Year Fixed
|7 Year ARM
|5 Year ARM
* Based on loan amounts of $200,000+
* Subject to credit and income requirements
* Restrictions apply
All conventional rates and APRs assume 80% financing on a $200,000 loan value with max loan of $484,00.Offers may terminate at any time without notice. Rate/APR calculated on a 365 day year with typical closing costs. Rates/APRs subject to change in closing costs and properties. All rates as of date posted on this website with 30 day lock period. Signed loan application required to lock rate. Rates may be higher for credit scores below 740 middle score. APR will change with loan amount and percentage of home being financed.