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.