Being a hometown lender means we have a stake in our community. We care about what happens to our schools, our neighborhoods and our future. We also expect to see you again as your home financing needs change and grow. Because of that, we'll take a few extra minutes to make sure you understand and are completely comfortable with your mortgage transaction. Thousands of families come to us for home financing. Since our beginning in July, 1997, we've closed billions of dollars in mortgage loans throughout the Northwest. Today, we're large enough to provide the most advanced products and service technologies available, and the right size to make home loans one customer at a time. 1st Rate Mortgage, Inc. utilizes several automated underwriting systems which allows us to give our customers an immediate credit decision.