Home Buyers: whether or not you have a house in mind, it’s smart to be prepared. Check rates, apply on-line or receive a quick pre-qualification letter, with no commitment. Learn about the loan process and tips for buying a home through us. Understand why 1st Rate Mortgage, Inc. offers the best service for local financing, with unique programs for every situation and credit history.

Home Owners: refinancing often makes sense if rates have dropped roughly one percent or more. Simply check our rates, run your numbers through our financial calculators, then apply online. Also, many home owners are eligible to receive money whenever they need it, for whatever they need, through our Home Equity Line of Credit (HELOC).