Loan Programs

1st Rate Mortgage, Inc. offers a wide variety of loan programs and lending options to fit the specific needs of our borrowers. Our loan officers are trained to tailor your loan program to offer you the best rate and loan term for your lifestyle and future. Most of our loan programs allow for loan terms from 10 to 30 years. We also offer many niche products such as low or no documentation programs to make your loan approval process quick and easy. Some of our popular loan programs and lending options include:

  • Conventional Fixed Rate Loans
  • FHA Fixed and Adjustable Rate Loans
  • VA Fixed & Adjustable Rate Loans
  • 1 Year ARM Loans
  • 3/1 Year ARM Loans
  • 5/1 Year ARM Loans
  • 7/1 Year ARM Loans
  • 10/1 Year ARM Loans
  • 7 and 15 Year Balloon Loans
  • No Doc and Low Doc Programs
  • Interest Only Payment Options
  • Loans to $2,000,000
  • Loans for Investment Property
  • Loans for Second Homes
  • Construction/Perm Loans
  • 100% Financing with Guaranteed Rural Housing “Farmer’s Home”
  • “Cash Out” Mortgages