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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
How to Enhance Your Financial Freedom
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
Tip #1

On January 1st, 2007, a new law went into effect making Private Mortgage Insurance (PMI) tax-deductible for new borrowers whose personal adjusted gross income is $100,000 or less. Designed to protect the lender from default and foreclosure, PMI was viewed as a double-edged sword by consumers for many years. On the one hand, PMI was a requirement for loans exceeding 80% of a home's value or sales price. On the other hand, many borrowers could not afford or even qualify to purchase a home without PMI. The new law makes PMI more beneficial, creating an opportunity to finance a more expensive home or to potentially obtain lower payments for the same-priced home, while reducing income taxes.

While those who financed their home prior to 2007 cannot take the deduction, more options are available under the new law when it comes to buying or upgrading to a new home with a minimal down payment, or refinancing and pulling cash out for other investments. Either way, talk to your Mortgage Professional to learn more about this incredible gift from Congress.

Tip #2

Clutter is a drain on productivity. One report estimates that, as a group, Americans waste an average of nine million hours each year simply looking for misplaced items. Disorganization is the result of an internal phenomenon called "incompletes" or "open loops", referring to the big and small commitments we can't help but feel responsible to "change, finish, handle, or do something about." Experts suggest that organization is a matter of time and commitment management, which can be achieved through the implementation of three basic steps:
    1. Ideas, tasks, and commitments must be "captured", on a notepad, in a handheld device, or by some other means.

    2. A decision must be made regarding the next steps required to complete each item.

    3. Reminders of each action must be maintained in a system for regular review.

Tip #3

How to Enhance Your Financial Freedom? The deadline to contribute to IRA accounts for your 2006 tax return is April 16, 2007. For traditional IRAs, qualified contributions are typically tax deductible, which can help lower your gross income and save on your overall tax bill. For Roth IRAs, contributions are not deductible but can lead to significant tax savings down the road, when distributions begin.

Tip #4

According to the IRS, the largest itemized deduction claimed by most Americans is their mortgage interest. Talk to your Tax Professional to learn more about this and other potential deductions which may help to lower your overall tax bill. Examples include medical and dental care, charitable contributions, business expenses, tax preparation services, and casualty losses as a result of property theft or destruction. Certain tax expenses may also be deductible, including personal property, real estate, local, and state income or sales taxes.

     If you would like to learn more about reaching financial freedom, please call Jeff Kutnick
     President First Rate Lending

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