WE PROVIDE FINANCIAL SOLUTIONS INSTEAD OF LOANS YOU DON'T NEED
TWO STEP QUICK APPLICATION FORM
    
  First name *
  Last name *
  E-mail address *
  Work phone *
  New loan amout * $
  Loan purpose
  Loan program
  Property state
  Property use
  Property type
  Property value $
*Required
 
 
   
KNOWLEDGE, EXPERIENCE,
ADVICE YOU CAN TRUST
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
REFINANCE
When you need a quick and easy refinance of your home or investment property, try FirstRateLending.com.
Our customers have said that our speed of processing, knowledgeable staff and aggressive programs set us apart from our competition

# Why refinance?
# Refinance Issues to Review
# Evaluate Your Assets
# Deciding to Refinance
# Cash Out Refinance
# Will Paying Points Affect My Rate?
# Refinance Expenses
# Your Second Refinance
# Converting Your ARM to a Fixed Rate
# Refinance and Taxes


These are just a few benefits of refinancing and taking advantage of the record breaking low interest rates.
  • Save money?
  • Lower your payment
  • Get cash out
  • Lower your rate
When you need a quick and easy refinance of your home or investment property, try FirstRateLending.com
LOAN COMPARISON CALCULATOR
Compare multiple loans quickly seeing the impact on interest rates and points on their monthly payments and total paid.

DISCLAIMER:
There is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation.  Please consult your own financial advisor.
OTHER FINANCIAL CALCULATORS
Provided below is a list of calculators to assist you with your financial matters:

# Loan Calculator
Quickly calculate the monthly payment, total amount of interest paid, total paid and cost of points for a fixed rate mortgage loan.

# Refinancing CalculatorFinancial loan calculators
Helps you determine if you will benefit by refinancing.

# APR Calculator
Find out how much your mortgage loan is really costing you.

# Closing Costs Calculator
Simultaneously compare four different loans and compute the closing costs required at closing for each of the mortgage loans.

# Rent versus Buy Calculator
Allows you to compare the costs of renting a residence versus buying a home.

# Seller's Proceeds Calculator
Calculate your new gain after your current mortgage(s) have been repayed and taxes, sales commissions and other closing costs.

# Loan Spread Calculator
Find out everything about your loan with this calculator.

# Cashflows Calculator
Determine the present value of an investment property's cash flows and sale proceeds for periods of up to 20 years.

# Future Values of Savings
Annuity calculator which determines future values.

# Pay off or Invest
Calculate the expected annual return on an investment to see if it is better to pay off or invest.

# Loan Comparison
Compare multiple loans quickly seeing the impact on interest rates and points on their monthly payments and total paid.
CHOOSE THE BEST PROGRAM 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.

Refinance
Purchase
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

First Rate Lending - Laguna Niguel
WE PROVIDE FINANCIAL SOLUTIONS INSTEAD OF LOANS YOU DON'T NEED
23161 Lake Center Drive, Suite 201 - Lake Forest, CA 92630 - Toll Free number 866-LOAN-838
DRE License # 01445232
NMLS License # 365033