Chad Lemons

Chad Lemons

Chad lives in Frisco, Texas with his awesome wife, wonderful son, and crazy dog. When he isn’t working or spending time with the family, he likes to mix in sporting events, concerts, theater, and more sporting events.

“My #1 goal is to make sure every borrower KNOWS that I have their best interest in every loan. I am driven to prove this from start to finish throughout the loan process (and even after). With 15+ years of mortgage experience, I am able to educate each borrower on their specific situation, so they know exactly what to expect at each stage of the financing process. When you combine the service with the pricing we offer, it makes choosing us very simple.”

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Chris Dixon

Chris Dixon

Chris lives in Fort Worth with his beautiful wife and 2 boys!  When he isn’t working his tail off, he loves to play golf and enjoy time with the family.

To Chris, it is imperative that his service far exceeds our competitors and that our rates and costs are unmatched.

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Jenny Bray

Jenny Bray

Hi, my name is Jenny, Senior Loan Officer with First Rate Financial. I currently serve in the Dallas/Fort Worth metroplex. I bring more than 11 years of knowledge and background in the mortgage and insurance industry. I was born and raised in Texas. I attended The University of Texas at Austin where I received my degree in Kinesiology and Business Administration. My favorite thing about this industry is that no loan or customer is ever the same. I believe that working with all different types of borrowers and getting to know them through the process of buying/refinancing their home is a rewarding feeling as the process can be a stressful one, especially first time home buying! I enjoy taking as much stress out of the equation for the borrower and making it as painless and exciting as possible.

As a Loan Originator, my first thought is to create a comfortable, trusting relationship with my borrowers. I feel like setting that foundation is the key to a smooth and easy process. Always being accessible to answer questions or walk my borrowers through every step is also very important.

In my free time, I enjoy yoga, good red wine, movies, concerts and traveling! But most of all, I love my family.

I am looking forward to working with you and creating a fun experience!

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Tawna Cox

Tawna Cox

Tawna joined the First Rate Team in 2016 and has feverishly been building her a successful business since.   Her favorite thing about the industry is that no loan or customer is ever the same. Tawna says “Working with all different types of borrowers and getting them through the process of buying/refinancing their homes is a rewarding feeling as the process can be a stressful one, especially first time home buying!  I enjoy taking as much stress out of the equation for the borrower and making it as painless and exciting as possible.”

As a Loan Originator, “My first thought is creating a comfortable, trusting relationship with my borrowers. I feel like setting that foundation is the key to a smooth and easy process. Always being accessible to answer questions or walk my borrowers through every step is also very important.”

Tawna lives in Prosper, Texas with her husband, eight-year-old daughter and four-year-old son – with a son at Texas A&M..Whoop!  She loves Jesus and believes her faith is what fuels her success. In her free time she enjoys reading, shopping, brunch with her girlfriends, movies, concerts and traveling with her family and friends.

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Jason Turner

Jason Turner

Here at First Rate Financial, we take pride in providing the smoothest, most seamless mortgage experience possible at the lowest cost on the market. Give me the chance to roll out the red carpet just for you. I will take the time to provide you with a number of options, and I have the knowledge and experience to help you make the best decision for your particular situation.

I was born and raised in Texas, and have been originating loans here since 2003. With loads of experience in conventional, FHA, VA, and USDA loans, rest assured that you are in good hands regardless of what program you are looking for. Let me compete and show you what we can do. A quick call might save you thousands of dollars!

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Josh Nelson

Josh Nelson

I joined the First Rate Financial team in 2012 and immediately fell in love with the mortgage industry.  To me, it doesn’t matter if it is the joy of helping people get into their new home or refinancing their current home, either way, it is an exhilarating feeling to know that we really did help to make a difference in someone life.

I can tell my new clients with total confidence, that our combination of rates, closing times and availability are the best deal in the industry.  Working in an industry with long-time friends and being able to help people with the biggest purchases they will ever make really does bring satisfaction to me.

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Sarah Miller

Sarah Miller

I started work in this field because of my passion and compassion for people. Homeownership creates stability and joy in people’s lives. My desire is to help people get into the home that is right for them. To assist them in understanding the entire home buying or refinancing process from start to finish. My goal is to be a partner with my clients walking through one of the biggest decisions of their lives. That is why I chose to work for First Rate Financial. First Rate cares about every client and takes the absolute best care of them and make sure they get the best possible deal. It would be my privilege to assist you in one of the biggest decisions of your life. I promise I will make sure you and your family are taken care of the best I possibly can. Call or email me anytime!

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Danny Knight

Danny Knight

Hey you!  My name is Danny, I’m sure you’ve heard of me.  I am a senior loan officer with First Rate Financial, proudly since 2018.  I currently live in Frisco, Texas with my beautiful daughter, Addison.  Fun fact about me:  I was a touring drummer in a rock band all throughout my 20’s.  That experience, along with the 8 years in the insurance industry, has taught me building a strong relationship and foundation of trust is where it begins.  As a father, I understand patience , the importance of family, and education.  I incorporate these values with all my clients day one not only to set myself apart, but to also ensure that First Rate experience from beginning to end.

Love you all,
Danny

 

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Christian Eftimie

Christian Eftimie

Family is one of the most important things to me and I treat all my clients like family. Over the years I’ve worked with hundreds of clients, but the most important lesson I learned is that people don’t care how much you know, but want to know how much you care. I look forward to welcoming you to the First Rate family and helping you with the most important purchase you’ll ever make, your home!

Some facts about me:

-Grew up in Dallas, Tx.
-Studied Business Finance at Baylor University.
-Spent 7+ years in the banking industry before joining First Rate.
-Speaks Romanian and Spanish
-Lives in Frisco with his wife & 2 children.

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Andrea Freeman

Andrea Freeman

Serving other people is a passion of mine, that’s why I chose the field of mortgage lending. Whether it is helping first time homebuyers realize their dream of homeownership or assisting with a refinancing on a dream home.  Helping people achieve their goals is why I come to work every day.

I also feel that a home loan should not be stressful or confusing. My job is to guide you through the process from start to finish. Combining a can-do attitude with a get it done mentality has always been my recipe for success. 

Integrity, professionalism, and an unequalled customer experience is my promise to all my clients.  Be it a borrower, real estate agent or title company; your loan will get the attention that is truly deserved.

I am a native Spanish speaker from Bolivia. I live in Sunnyvale, Texas with my two kids and my husband of 16 years. Being involved in my kid’s school and town is very important to me. I am on the board of the Sunnyvale Education Foundation, the 100 Women of Sunnyvale, and a member of an excellence in government committee.

In my free time, I like to spend time with my family and friends while enjoying a delicious charcuterie board and red wine.

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Ryan Kreps

Ryan Kreps

Ryan Kreps is a Mortgage Loan Officer at First Rate Financial, LLC. He currently resides in McKinney, Texas with his two loving dogs, Kingston and Baxter.

Ryan understands the importance of honesty, hard work and communication. His commitment to his clients and continuous strides to far exceed expectations are one of the many things that sets him apart from others. He gained exceptional knowledge and experience at a large corporate lender, but couldn’t stand behind the way they treated people as numbers. Ryan knew it was time to make a switch to First Rate Financial, where customer service is a priority and has not looked back. He takes great pride in his ability to find the perfect “fit” for each client based on their current goals, and will ensure that you are taken care of from start to finish.

When he is not serving clients, you can find him spending time with his family and friends or exploring the outdoors.

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