About Rate1st.com

Who is Rate1st?

Rate1st, Inc. is a California-based financial and mortgage planning company that operates the website Rate1st.com and the Toll-Free number 1-877-RATE-1ST.  Rate1st.com is America's Largest Online Lending Network. The Company's proprietary Loan File Management™ (LFM) software uses the flexibility of the Internet to quickly match borrowers with attractive loan packages through its network of more than 25,000 Banks, Lenders, and Private Investors.

Rate1st.com's revolutionary application process ensures that customer data is never sold and keeps the personal information of borrowers completely private and secure until they decide to go with a particular bank or lender.  The Company, which is staffed with Certified Mortgage Planners and Financial Planners that uphold the highest ethical standards, offers all types of Residential, Commercial and Investment financing, on any loan amount from $100,000 to $100 million+.

Rate1st.com has an unparalleled network of lenders across the country, creating unsurpassed flexibility in almost any lending scenario and greatly increases the number of competitive approvals for clients, resulting in lower rates & payments than with the traditional loan process. 

Borrowers can begin the process online or over the phone, Rate1st staff obtains all the personal information required to complete a loan package, then after removing the client's name, address, phone, e-mail, social security, and any other confidential information, send it out to a nationwide network of banks, lenders and investors which enables the client to compare rate & payment options without compromising their credit.

On Home Mortgage Loans, once a bank or lender is chosen and the loan package has been approved, one of Rate1st.com's Financial Planners will call the client to discuss the proposed benefits & savings and present a Customized Mortgage Plan.  If followed, a Mortgage Plan can benefit a borrower by saving them 100's of thousands of dollars over the full term of their loan.

What does Rate1st do?

All Types of Loans from $100k to $100 million+ and we also offer Financial Planning Services.

Although Home Loans are our specialty, we provide more than just residential mortgages. Our experienced team of financial planners can handle all types of loans, including business and commercial real estate financing.

Unlike traditional loan officers our role here at Rate1st.com is to integrate your Loan/Mortgage decisions into long and short-term financial plan structured to increase your net worth.

We are also proud to offer the market's most competitive pricing on all forms of conventional and non-conventional financing. This includes FHA and many other products.

Our commitment is to maintain a safe, trusted, professional lending environment and provide you with the information and resources necessary to make well informed decisions.

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.

Our goal here at Rate1st is to help you Save more, Earn more, and Own more and to translate your life goals into an achievable Financial Planning strategy.

All of our Financial Planners are trained to specialize in Lending, Cash Flow, and Real Estate Equity management!

At Rate1st we have a Network of over 25,000 Banks, Lenders, and Private Investors.

Plus, a hot list of the top 100 lending sources in the United States, including Bank of America/Countrywide, Wells Fargo/Wachovia, ING direct, Provident Bank, Flagstar, Am Trust, Freedom Mortgage, SunTrust, EquiFirst, US Bank, etc. many names you may or may not be familiar with.

At Rate1st.com, we plan to help every client as if they were a family member.