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We have taken the amazing concept of banks competing for your business to the next level by obtaining numerous offers for you from a single application while keeping all your personal contact information completely private. We negotiate with lenders on your behalf then present you with all your options to ensure you get the Lowest possible Rates, Fees, and Closing Costs plus the best matched lender.

Our goal here at Rate1st is to help you Save more, Earn more, and Own more. We will help you understand how selecting the right loan or mortgage can help you attain your financial goals beyond simply the lowest monthly payment.

Three generations of our family members working in the lending industry have built Rate1st to help people get the best loans for their unique lending situations. Our proprietary application process provides the best and most options in an unbiased way.

TAX CREDIT OVERVIEW Tax Credit for Homebuyers First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for...
Another housing slump coming? Analysts say 7 million soon-to-be foreclosed properties have yet to hit the market. Any optimists touting a housing recovery might want to pause and think about this: Amherst Securities Group...
Home buyers who act quickly can get $8,000 tax credit. If you've been thinking about buying a home this year, you may want to act soon since the federal First-Time Home Buyer Tax Credit program is set to end Nov. 30. The...

Today's Mortgage Rates

To View our Current Rates please visit -

We offer over 100 different Loan Options including;

  • 30 Yr Fixed
  • 15 Yr Fixed
  • 5/1 Yr ARM
  • FHA 30 Yr Fixed
  • FHA 15 Yr Fixed
  • 20 Yr Fixed
  • 7/1 Yr ARM
  • VA 30 Yr Fixed
  • VA 15 Yr Fixed
  • Jumbo 30 Yr Fixed
  • Jumbo 15 Yr Fixed
  • Jumbo 7/1 Yr ARM
  • FHA Jumbo 30 Yr Fixed
  • VA Jumbo 30 Yr Fixed
  • 10/1 Yr ARM

For full list please visit -


"I wasn't sure I could refinance my adjustable rate mortgage into a fixed rate before my payment took a hit, thanks to an IRS lien on my home and a bankruptcy within the last few years...But my specialist at Rate1st, Brock, really went to bat for me and not only got it done, but saved me $9400 in closing cost by locking the 30 yr fix rate I wanted at the correct time!"

Peter K

Satisfied Customer

"We recently completed our first refinance. Since it was our first, we had a lot of questions. Luckily our representative at Rate1st was both friendly and informative. Due to purchasing our home in an Inclusionary Housing program, it was very difficult to find a lender that could finance our loan. Thanks to, we now have a low 5.75% 30 year fixed loan and we couldn’t be happier."

Julie R

Satisfied Customer

"When I needed to Refinance and pull cash out of Historical Victorian 3 unit in San Francisco, I couldn’t find a Bank or Lender that would help, that is when a family member recommended Your staff helped walk me through the whole process, from application to funding. Now I have a great new loan and I was able to pull out even more cash than I needed!"

Cindy C

Satisfied Customer

"Thank you for getting my clients loan funded.  They were both extremely happy with your staffs personal touch and attention to detail.  That really means a lot in this business."

Sheila B

Real Estate Broker

"Thanks to, I was able to understand the benefit of paying of my old tax lien and consolidate it into a new fixed rate mortgage at 5.875%.  I am saving hundreds on wasted interest penalties, reducing my total monthly expenses and investing the difference to help me save for my long term retirement goals. The process was smooth and simple and my loan professional was great!  Thank you!"

Steven S

Satisfied Customer

"Thanks for your continuing support in my search for a better loan and for keeping me informed of what’s going on with housing and financing markets.  This certainly helps when others may try to sale their rates as being the best.  Your efforts and honesty are truly appreciated, Best Regards."

Jimmy S

Satisfied Customer

"I am proud to say I finally worked with a loan officer that was on my side.  Brock was able to inform me of when the best time to refinance would be, not attempt to push me into a loan right away.  The advice to wait ended up saving me a few thousand dollars!"

Craig H

Satisfied Customer

"I was previously working with a few different loan officers on all my real estate transactions.  Because a few deals went sour, I decided to try someone at      I am pleased to say that they treated my client as they would their own family.  I am committed to only working with them in the future!"

Rick L

Real Estate Broker

"I am in the process of trying to purchase my first home. The representatives at have been so helpful in all aspects this venture and are doing everything in their power to get me approved for my loan. I will definitely recommend your company to all my friends, thanks Rate1st."

Durinda F

Satisfied Customer

"The residential mortgage industry is a very competitive market.  As a commercial banker I know that a residential loan is viewed a commodity in the marketplace.  The only variables are price and service, but at the end of the day a mortgage is just a mortgage.  

Over the years I have worked with many residential brokers that have offered various levels of service.  Their level of professionalism directly reflects on my name.  When my clients are looking for a fast, easy solution to purchase or refinance a home, I send them to  It is the nontraditional approach to the mortgage lending market that makes them the simplest solution.  My borrowers fill out an online application, at their leisure, and then the request is followed up with a phone call from a knowledgeable professional for any other issues.  It is really that easy.  

The service has been outstanding and my clients thank me.  I would tend to think that this level of service comes at a cost, but the rates are extremely competitive and they have been able to find financing for the toughest borrowers.  There proprietary model not only streamlines the application process, but it solves many of the inefficiencies in the marketplace.  There business will be the wave of the future in residential lending and it makes my job easier, knowing that I can make one phone call to fill any of my client’s residential mortgage needs."

Ryan F

VP of Fortune 500 Business Bank

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