1st Rate Home Mortgage Inc

1st Rate Home Mortgage positions itself as a leader in residential mortgage lending, emphasizing a commitment to great rates, an easy process, and friendly service. Their core philosophy revolves around prioritizing customer satisfaction, offering individual care, and providing access to dedicated loan specialists who are available to personally answer questions throughout the entire loan process. This personalized approach is highlighted as a key differentiator, contributing to their high ratings and customer recommendations.

The lender provides a diverse range of home loan solutions designed to meet various borrower needs. This includes specialized offerings like Graduated Payment Mortgages (GPM) for those seeking alternative payment structures with fixed note rates, and the FHA Single Family Rehab Mortgage Program (Section 203k) which allows for financing both home purchase and rehabilitation costs. Additionally, they are active in the HUD Reverse Mortgage Program, enabling homeowners aged 62 and older to leverage their home equity without monthly repayments.

Beyond these niche products, 1st Rate Home Mortgage also facilitates standard purchase and refinance transactions, including options for cash-out refinancing and various fixed and adjustable rate terms. While providing online tools for quotes and scheduling calls, their focus remains on delivering a supportive and accessible lending experience, guiding clients through complex decisions with expert advice.