First Rate Lending Taking your financial future seriously Residential and Commercial loans
We believe that everyone deserves to own a home. We can help you get there A loan made just for you
First Rate Lending knows what it takes to be a successful lender. Since the start of our operation, our dedication to exceed your expectations and guarantee your satisfaction has made us what we are today.

From start to finish in the loan process, we provide no less than exceptional service to our most prized possessions: our customers.

As a leader in the mortgage industry, we aim to deliver excellence in every area. Based on client feedback, we constantly strive to improve our systems and technology to improve our efficiency and success ratio.

Because market conditions are constantly in flux, we keep our fingers on the pulse of mortgage backed securities to ensure that you get the best interest rate possible.
First Rate Lending, deal with loans experts
Quickly calculates the monthly payment, total amount of interest paid, total paid and cost of points for a fixed rate mortgage loan.:
Many home loan programs have been specifically created for first time home buyers. These loans feature low down payments and approval guidelines that make it easier to qualify. Some of the more popular first time homebuyer programs are listed hereafter:

# What is a First Time Buyer Loan?
# FHA and VA Loans for First Time Buyers
# Who is Eligible for a 1st Time Buyer Loan?
# Community Home Buyer Programs
# What is Escrow?
# Mortgage Credit Certificates

Getting your first home is easy.
Call us today about:

  • 100% Financing
  • No Down Payment Loans
  • Low Closing Costs
  • Flexible programs
First time buyers
Financial calculators
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Jeff Kutnick, President of First Rate Lending in Orange County Thank you for visiting our site. I will personally give you the most honest and knowledgeable advice in the lending industry. This service is FREE.
Why am I willing to spend my time with you? Because I know you will appreciate sound advice and some of you will probably close loans with us.  I invite you to fill out the two step quick application, or call now toll free 866.562.6838 I will respond and help you immediately.

Jeff Kutnick
President First Rate Lending
The Sub-prime Default Crisis

national rise in sub-prime loan defaultsI am faced with a tough challenge: To inform you about how the national rise in sub-prime loan defaults is going to affect you locally. I've worked in the mortgage industry for several years, and I've funded many loans.

I've seen this market hit highs and survive lows. Let me be your resource as you want to know about this rapidly changing market. I'm here to help.

Read the article
FirstRateLending is a company that prides itself in providing high quality mortgage products to the public.
Your Trusted Advisor
Funding your loan is just the beginning of our relationship with you. We want you as a lifetime customer, not just a one-time deal. We will continue to monitor interest rates and let you know when opportunities arise to improve your current situation. We will also stay in touch and continue to educate you so that we can be your ultimate resource for mortgage financing information - your Trusted Advisor - today, tomorrow, and beyond!
Home Sweet Home
We believe everyone deserves to own their home. We can help you get there. Choosing the right lender is a key element to managing your mortgage. As a mortgage professional, our goal is not only to provide you with a loan, but also to help you select the one most beneficial to you and your long-term goals. After that, we will help you manage that debt over time. Few lenders provide this type of ongoing, personalized service.
Competition is Fierce
We understand the loan business to be a fiercely competitive market. But we also believe that there is more to home financing than simply securing the lowest interest rate. That’s why we ask a lot of questions and take the time to listen to your answers concerning your overall financial picture. We want to offer you the best option to achieve your financial goals, whether it’s buying your first home, consolidating debt, or preparing for retirement.
A Loan Made Just for You
Knowledge, Experience, Advice you can trust, Get your loan fast with First Rate Lending Because mortgage loans are uniquely individual, we offer a wide range of residential loan programs tailored to your specific needs, including:
  • Fixed and Adjustable Rate Mortgages
  • First Time Home Buyer
  • Debt Consolidation
  • Investment Properties
  • 100% Financing
  • Construction & Home Improvement
  • Bad or no Credit, OK
Kiss your debt goodbye
One of the greatest services we are privileged to offer our clients is debt consolidation. Why spend a significant portion of your monthly income on high interest loans that are not tax deductible? We will help you save hundreds of dollars a month and increase your tax deductions so that you can be debt-free and live the lifestyle you desire.

We will be your trusted loan advisors
Your Credit Score
Credit challenges in the past? We can help get you back on track. Did you know that in some cases, improving your credit score by less than 10 points can save you thousands of dollars in interest over the life of your loan? Let us show you how!

To contact one of our mortgage professionals please
fill out our Simple Application to find a loan program that fits your particular need.

We will help determine which one is best for you.

Finding your way through all of the options, payment plans, applications and paperwork can be confusing. Learn about some of the options available by clicking below or let a professional listen to your needs and assist you in getting started.

First Time Buyers

Second Mortgages
Debt Consolidation
Construction Loans
Zero Rate Mortgages
FHA & VA Loans
100% Financing
Full Doc and Stated Income
Fixed Rate Mortgages
Adjustable Rate Mortgages (ARM)
Types of Standard ARM's
Introductary ARM's
Reverse Mortgages
Balloon Mortgages

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First Rate Lending - Laguna Niguel
23161 Lake Center Drive, Suite 201 - Lake Forest, CA 92630 - Toll Free number 866-LOAN-838
DRE License # 01445232
NMLS License # 365033