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
FINANCIAL CALCULATORS
Financial calculators
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
When you need a quick and easy refinance of your home or investment property, try FirstRateLending. Our customers have said that our speed of processing, knowledgeable staff and aggressive programs set us apart from our competition.
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100% FINANCING
The 100% financing loan is designed to offer home ownership opportunities to borrowers with good credit but who lack the ability or desire to make a down payment on a home. It provides an option for those who wish to invest their savings in assets other than their home.
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PURCHASE
One of the most exciting adventures you will ever encounter is purchasing a home. If your a first time buyer or an experienced investor we will make the process quick and easy. Below is some helpful information to get you started.
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FULL DOC AND STATED INCOME
A full doc loan is one that requires that the borrower present all necessary documents, including inc me verification to be considered for the home loan. Stated income home loans allow those who are self employed or do not have documentation of earned wages to state a wage on the mortgage application and qualify for a mortgage based on that stated income.
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FIRST TIME BUYER 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 below.
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FIXED RATE MORTGAGES
One of the many types of home loans offered to borrowers is called a fixed rate mortgage.
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SECOND MORTGAGES
Our second mortgage programs can be tailored to your specific needs. Below is some information to help get you started.
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ADJUSTABLE RATE MORTGAGES (ARM)
Adjustable rate mortgages allow the interest rate on your home loan to fluctuate during its life.
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INTRODUCTARY ARM'S
Several adjustable rate mortgages are available to homeowners and they include 6-Month Certificate of Deposit ARM, 1-Year Treasury Spot ARM, 6-Month Treasury Average ARM, and the 12-Month Treasury Average ARM.
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TYPES OF STANDARD ARM'S
Several adjustable rate mortgages, ARMs, are available to homeowners and they include 6-Month Certificate of Deposit ARM, 1-Year Treasury Spot ARM, 6-Month Treasury Average ARM, and the 12-Month Treasury Average ARM.
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DEBT CONSOLIDATION
Our debt consolidation home loan programs can be tailored to your specific needs. Below is some information to help get you started.
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CONSTRUCTION LOANS
Our construction loan programs can be tailored to your specific needs. Below is some information to help get you started.
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ZERO RATE MORTGAGES
Zero down payment loans are designed to offer home ownership opportunities to borrowers with good credit but who lack the ability or desire to make a down payment on a home.
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REVERSE MORTGAGES
A reverse mortgage is a unique type of loan used by older Americans to convert the equity in their homes into cash. The money from a reverse mortgage can provide seniors with the financial security they need to fully enjoy their retirement years.
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FHA & VA LOANS
There are many factors to consider when applying for a government loan. We will be by your side every step of the way. Below is some helpful information to help get you started.
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BALLOON MORTGAGES
Balloon mortgages are home loans that typically last for shorter periods of time, most are between 3 and 10 years, and these types of loans allow the borrower to pay lower monthly payments and interest rates.
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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