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30 Yr Fixed N/A
15 Yr Fixed N/A
5/1 ARM N/A
FHA - 30 Yr Fixed N/A
 
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Home : How Rate1st Works

How Rate1st Works

  1. You apply Online, by Phone, or via E-Conversation
  2. We complete Quality Control and verify all your information 
  3. We schedule a time for one of our Financial Planners to call you and review your   goals for the new loan
  4. Your loan scenario is completed and your credit is pulled once
  5. Your loan scenario is compared amongst the top lenders in the country
  6. We present you with the best Rate, Term and Payment options available; your best options are constantly updating in real-time as market conditions change
  7. We lock your rate at the appropriate time to ensure maximum possible benefit
  8. After all your underwriting conditions are met, your loan is funded
  9. Then You Celebrate!

Our Rate1st Financial Planners are here to Help you Find your Best Matched Bank, Lender, and/or Private Investor Based on Factors Such as:
  • Your Geographic Location - (City, State, Zip)
  • The Type of Loan you are looking for - (Narrow to Specialist Lenders)
  • Your Credit History
  • Your LTV - Loan to Value ratio
  • Your DTI - Debt to Income ratio
  • Your Real Estate Equity Owned
  • Your Assets - (Any assets you can document may strengthen your approval)
Once our Financial Planners have narrowed your choice of Lenders from over 25,000 down to only your Best Matched Lenders…

Then we begin negotiations on your behalf…

Our Commitment is to make sure that you receive All the information necessary to make informed and educated lending decisions. Plus;
  • Your choice of preferred programs - (30 yr Fixed, 15 yr Fixed, etc.)
  • The Lowest Interest Rates/APR available
  • The Lowest Closing Costs possible
  • The Fastest Closings possible
  • No Surprises at Closing
  • No Hidden Fees

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