1st Rate Home Mortgage, Inc. is a multi-state residential mortgage banker. Founded in 2007 and focused on client experience. Our dedication to superior service is second to none.

We are not a huge corporate giant and nor do we want to be one. Instead, we focus our efforts on always putting our clients and staff before the bottom line.

Unlike much of our competition, we do not have a branch on every corner in America. Nor do we employ 40,948 people. We rely on technology, well thought out training, and common sense to keep our margins extremely low.

This approach allows us to beat out the competition on price every time. One of our biggest challenges continues to be that our prospective clients find it hard to believe how much better our price is compared to what they received from the “other” guy.  

Our staff is considerate of your time and we strive to return all emails, calls, and messages within minutes – not days.

If you decide to use our services, we will keep you in the loop as your file moves through the process. Not only do we use technology automation to keep you updated, our staff is expected to make routine calls to ensure you are aware of how your file is progressing.