After attempting to refi my house with my original bank and being unable to get anywhere close to a descent deal, I was fairly discouraged with the quotes, lack of support or willingness of another company to provide me with a better deal. This is when I contacted Jonathan with 1st Rate Home Mortgage. After our initial conversation and getting some of my documents to him, Jonathan and his team were able to provide me with an unbelievably amazing deal! The whole process took close to two months to complete. During the entire time, Jonathan stayed in constant communication with me, answered all my questions and repeat questions and went above and beyond to help get the best deal possible on my ReFi. He is extremely polite and attentive, making sure that not only did I understand the whole process from start to finish, but also was on top of every document, every motion and action that went on during the process. I couldn't be happier with the end result and VERY HIGHLY recommend Jonathan and 1st Rate Home Mortgage for your home buying and refinancing needs. I will be definitely reaching out Jonathan in the future for my home mortgage needs. read more

If you are looking for the best loan company, I believe that this is the one. In fact, I was working with Quicken / Rocket Mortgage and was nearing our closing. We had a few issues with Quicken and I decided to check with another company. Thankfully I found 1st Rate Home Mortgage. After a brief discussion with Paul Satora, he was able to show he how he could save us thousands of dollars. He was able to give us a lower interest rate, and their loan fees were much less also. It was really a no brainer to call the other company and say, " sorry I found a much better company and loan. Quicken even had the nerve to tell me that they would match their competition. Well fool me once, but I wasn't about to let them fool me again. Paul was always keeping in touch and letting us know what was happening. His personal touch was important to my wife and I. So if you want the best of the best, just call and ask for Paul Satora. Thank you and your fine company again and your staff that has supported you. Howard & Judy S. read more

We just closed on a house after barely 3 months of working with Chris Brown at 1st Rate Home Mortgage. Our friends told us about how great it was for them to work with 1st Rate and everything they said was true. We couldn't be more pleased with our transaction. We didn't think we would be able to qualify. Chris and his team reviewed our data and were able to tell us exactly which credit accounts to focus and within 3 months of starting their plan, we qualified for the best rate possible for a VA loan. This allowed us to shop for a home with confidence and not worry about whether or not we would be able to qualify. We look forward to future transactions with Chris. He was very responsive with communication and used emails, texts, as well as phone calls, which seems to be rare these days. Sometimes he called just to touch base and make sure we didn't have any questions. I would recommend 1st Rate Home Mortgage to anyone considering a purchase or a refinance. read more

We worked with Kyle H. It was an amazing experience! This is our first VA streamline since we purchased the home 10 months ago. We had received so many mailings about the VA streamline and all seemed to good to be true. So after further research of every company name of the mailings, we saw 1st Rate had the best reviews overall. We were able to get a couple pre-worksheet quotes and chose the best option for us which included a much lower rate :) At the end of the day we are saving $540 a month which is a blessing and a rate beyond our expectations. Kyle and his team were extremely professional and we experienced no pressure at all to move forward. This streamline made total financial sense for us since we were still under a year in the higher mortgage rate and the best part is our break even point which is a little under 2 1/2 years. Always weigh options when pursuing any loan. At the end of the day it has to make financial sense! Thank you Kyle read more

I had a great experience using 1st Rate Home Mortgage to refinance our VA home loan! I had looked up reviews before calling them. Their reviews were overall good, so I gave them a call along with two other lenders. After talking with Cody, I decided to go with 1st Rate (he was offering a better closing cost rate than other lenders and was very friendly and easy to talk with). The overall process took longer than expected, but that's understandable with everything going on with Covid-19. Cody was always easy to get in contact with. He kept me informed throughout the process without me having to call and ask how things were going. He was always professional, helpful, and friendly. The entire process was online except for signing the documents to close in which 1st Rate sent someone to our home who brought all of the paperwork and helped us through the signing process. I would highly recommend refinancing with Cody at 1st Rate Home Mortgage! read more

I will start off by saying that in the past couple years we have received so many mailers to refinance our home through an IRRRL but have been unsuccessful in our attempts, partly because of lack of knowledge about the process and also I'm sure we just were not working with the right people. Against my better judgement I called 1st Rate Home Mortgage and I had the pleasure of dealing with David Lopez. David was able to give me the encouragement I needed to give the refi process another try with the promise of a much lower rate. I am very glad I made that call. David was so diligent and knowledgeable that he made the process more than easy. He was able to complete the majority of the work on his side so that the loan process could move forward in a smooth and speedy manner. We closed by the time promised and we now have the lowest rate on our mortgage anyone we know has seen. Thank you David and thank you 1st Rate Home Mortgage! read more

Great experience! Most attentive, professional, and personable, and the entire refinance process for our 30 year fixed VA loan went very smoothly and surprisingly most quickly. All within two weeks to our closing day. Christopher Brown was excellent, and thorough and most helpful every step of the way. We have received dozens of flyers in the mail from numerous firms to refinance and this is the only one that stood out ... even in the fine print. We checked them out and were relieved and glad we made the call to Chris. Everything went quickly and smoothly for me/us, and this was the best experience I have personally ever had with a loan mortgage company! I've moved 27 times in my 64 years and have owned 6 homes in that time, and this was the best, easiest, and the quickest finance and closing I've encountered. Awesome and definitely an A+. Ted Johnson read more

Cameron Haleen helped us refinanced our VA loan from 30 year fixed loan to 15 year fixed. I retired from a large national bank after 30 years and the last seven years I worked as a mortgage lender. I was very impressed with Cameron. He is very professional, efficient, knowledgeable patient and respectful. The whole process went so smoothly because Cameron was very detail oriented and kept us posted every step of the process. We now actually talking to our friends and family members about Cameron because we want to refer business to Cameron. We feel very lucky to have Cameron handled our refinance. 1st Rate Home Mortgage is very blessed to have such an excellent employee like Cameron. Thank you from the bottom of our hearts to you, Cameron. We wish you a very successful career and KEEP UP THE GOOD WORK!!! Gemma and George Banville read more

In all our years of home purchases and refinances, we never worked with a more friendly, knowledgeable and efficient mortgage expert. 1st Rate Home Mortgage gets an A++ rating from us. Our positive experience was due, in part, by the dynamic loan officer assigned to us. Taylor stream-lined the VA loan refinance process by efficiently moving us through the required steps and was never more than an "arms reach" when we had questions. He got us a great 30-year fixed rate, saved us money on our monthly mortgage payment, and we closed in record time. It has never been this easy! Don't waste your time going through the numerous offers that come in your mail. File them in the trash. 1st Rate Home Mortgage should be the only offer you open and take seriously. Contact these folks. They'll do right by you. read more

Cody and his team are absolutely amazing! I'm a first time home buyer and as a newbie I was worried about making the wrong move but Cody made all of those worries disappear. He patiently and thoroughly answered my a million questions and I felt absolutely comfortable and confident in both of our transactions. I first did an FHA refinance and then a year later I did a conventional refinance which I didn't think was possible for me but Cody made it happen. Both times I felt like Cody and his team were on my side and I was truly getting the best deal possible. Overall with both refinances he was able to get me a monthly savings of almost $600 and you can't beat that. I recommend 1st rate to anyone looking to save big bucks and having a great team to lead them through the process. Thank you Cody!! read more

If you get a mailer from 1st Rate Home Mortgage regarding a re-finance, I would definitely recommend giving them a call and asking to work with Paul. I had a ton of questions at first and honestly, it seemed too good to be true. That was not the case, Paul was extremely easy to work with, did a great job of handling my detailed questions, and was transparent during the whole process. He was very professional, prompt in responding to me and operated with a high level of customer service that made the whole re-finance process very easy. I saved money on the whole deal and will definitely be using Paul again in the future if I ever have re-finance needs. 5/5 would recommend using 1st Rate Home Mortgage if you are looking to do a re-finance on your home. Ask for Paul, trust me! read more

I just have to say Jonathan went above and beyond. Our situation was anything but ordinary. We fell in love with a home when we weren't even looking to buy. Long story short we had a very quick deadline. The owners has already bought a new home and we had 1 night to pull it off. We sold our house and went under contract. Jonathan and the amazing team at first rate made it happen. Today we are in our dream home. They were very understanding, committed and made us feel like we were the only clients they were helping at the time. Jonathan was available 24/7 for any questions and concerns I had. We were all motivated! We sealed the deal a few days ago. We hit a few snags but everything came together! Definitely will be going threw first rate for all our future home needs! read more

The 1st Rate Home Mortgage team very professional in everything that they do while helping you refinance your home. I had been bombarded with offers to refinance from everyone you could imagine. I kept ignoring these offers. Finally after hearing that rates were as low as 2.25%, I decided to call the people that helped me with my previous refinance. I called and asked for Cody Cambell who assisted me with the 1st refinancing. We talked and he found out what I wanted and checked out the going rate. Because I had just refinanced a year earlier he told me that this would be very simple. It was, he and his team took care of all of the details and kept me informed. I closed my new loan in about 1 1/2 months from when I got started. Thank you again Cody and your team. read more

Sarath and Muditha A. From the first day that we had contacted Brett at '1st Rate Home Mortgage' regarding our VA-Refinance loan, we have a very pleasant experience working with him. He is very professional, direct and honest in presenting all necessary info throughout the whole process. Whenever he has to send any loan calculations and breakdowns he makes sure to first give us throrogh explanations of them. If we needed further clarifications, he graciously and kindly offered to explain further. His kind and patient mannerism always put us at ease to carry along with the loan details. With much gratitude, we want to recommend services of Brett and his company to anyone who looks for original or refinancing mortgage loan. read more

My husband and I received a mailer about the IRRRL program from 1st Rate Home Mortgage. Actually, we received several mailers and I called on all of them. Initially when I spoke with Paul he wasn't offering anything different than other lender, UNITL I showed him my paperwork. Paul went above and beyond for my husband and I and our transaction, we can't say enough great things about him and the process, the ease and the timely fashion in which everything happened. In addition, Paul was (and even still after closing) SO responsive to my e-mails and questions and walking me through the process. I didn't even know I was refinancing my loan, Paul made it that easy for us! HIGHLY recommend 1st Rate Home Mortgage and Paul! read more

Glen With the overwhelming number of options for mortgage refinancing today, deciding what direction to take was challenging. After reviewing my needs to obtain the best rate along with clear explanation's regarding all cost and legal considerations, you delivered the best product options for me to refinance successfully. Todays app based options lack the personal and professional approach I felt was important to make my refinance successful. Thank you for insuring and confidently starting my refinance from start to finish with minimal delays. Professionalism like yours wasn't an option with an app based mortgage company and you delivered that personal touch which made the difference. Sincerely Dwayne Moore read more

It was a pleasure to have Brianna Luscomb work with both my wife and myself with helping to refinance our home. She was a very pleasant person who was very knowledgeable about all aspects of refinancing and the housing market. Brianna answered any questions which we brought to her attention, and she did not make us feel as though our questions were unimportant or unnecessary. She guided us through all and any questions and never made us feel inadequate in a sometimes complex housing market. Brianna did this all with a wit and sense of humor which allowed us to enjoy working with her and enjoying her sense of humanity. She also accomplished her job in a speedy and very efficient manner. Bob Meko read more

I have been inquiring about the IRRRL program since Jan 2016 and I would do research to see if it was a scam or if it was the real deal. After I was informed through the VA that it is a real program I decided to start talking to different lenders from different banks and so forth. We worked with Sara Huszar and she really went above and beyond to help us out. She let us know everything and would make sure that we were in the loop on everything. We had some things come up and she helped us through that and we are so grateful and appreciate all that she did for us. If anyone wants a great Mortgage Broker go through 1st Rate Home Mortgage and look for Sara Huszar she is awesome! read more

I want to give our agent, Brianna Luscomb, two thumbs up for an excellent job. Brianna had refinanced our home a while back and recently, on her day off, she remembered my wife and I and called to tell us VA rates had hit an all time low. Following that phone conversation, Brianna finished our refinance, and we signed our loan docs within (8) days.........unbelievable. I now have a rate of 3.25%. Brianna is truly an exceptional employee and 1st. Rate Mortgage is blessed to have her. This refinance will allow my family to have a nice vacation this summer. Thank you again Brianna for all your help. Robert & Anika Bartley read more