WE PROVIDE FINANCIAL SOLUTIONS INSTEAD OF LOANS YOU DON'T NEED
Loan Application Loans - Mortgages
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
NEWS & ARCHIVES
APPLICATIONS

PURCHASE APPLICATION

One of the most exciting adventures you will ever encounter is purchasing a home. If you are a first time buyer or an experienced investor we will make the process quick and easy. Purchasing a home is a goal shared by many people but it can be difficult for some to collect the funds needed for a down payment. Fortunately, there are many programs to assist those who need help with down payments.

Purchase application, click here

REFINANCE AND CASH OUT

Many mortgage lenders will offer a refinance package where you refinance for more than the balance remaining on your old home loan. In the mortgage world this is called "cashing out". The economy has also caused interest rates to drop recently which may allow you to refinance your home without increasing your monthly payments. The extra cash that results from refinancing can be used for many purposes; one of the smartest ways to use these funds is to pay off any loans with higher interest rates. If you are in a positive position regarding debt you may be interested in using the money for a more enjoyable purpose, such as building an addition on to your home. How ever you decide to spend the money, your mortgage broker can help you through the process.

Refinance and cash-out application, click here

REFINANCE RATE AND TERM

The purpose of a rate/term refinance is to change to a lower interest rate or change the term of a loan without advancing new money on the loan. Closing costs can be rolled in.

Refinance and rate term application, click here

REFINANCE FOR DEBT CONSOLIDATION

Consolidating your debt in a single low-interest loan can save you on interest payments and speed the process of paying off debts. We will help you determine how much you can save by consolidating.

Refinance for debt consolidation application, click here

REFINANCE FOR HOME IMPROVEMENT

Home improvement loans are home loans used to finance improvements on your house or property. These loans are used to maintain or increase the value of your home. This can include repairs, a new kitchen, a new bathroom, an extension or general property improvements. Landscape improvements and swimming pools can also in many cases be considered home improvement. Generally, all actions that can be considered to increase the value of the property in such a way that it increases the expected sales value of the home or the property are to be considered home improvements.

Refinance for home improvement application, click here

REFINANCE FOR HOME EQUITY LINE

There are many options for home owners who wish to meet growing financial demands; one way to improve your financial situation is to borrow money through a home equity line of credit. This source of credit can provide certain tax advantages and generally allows you to borrow large sums of money at affordable rates. This line of credit uses your house as collateral though, which means such a credit line can be risky if you default on the monthly mortgage payments. The funds that you receive from a home equity credit line can be used to fund anything from home improvements to a child's school tuition.

Refinance for Home Equity Line application, click here

REFINANCE FOR OTHER REASONS

There are countless other reasons to refinance.

Refinance for other reasons application, click here

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