Since real estate tends to represent the single largest investment most of us will ever make, it is vital to secure the best financing available. Every borrower has different needs, every property is unique, and every lender has their own rules and programs.

When shopping for a loan, keep in mind that most lenders are limited to their own products, and will try to sell you what they have available.

We, on the other hand, can tailor the package that fits your needs. Factors such as your current home income, your expectation of future earnings, and how long you plan to own the property, help us determine which program suits your personal situation. Being a broker allows us to choose between many lenders, based on the various programs and interest rates for our clients

WE DON'T WORK FOR THE LENDER, WE WORK FOR YOU!

IT DOES NOT COST MORE TO USE THE SERVICES OF A MORTGAGE BROKER

Mortgage brokers provide an extremely important service in the field of finance, including pre-qualifying the client, loan origination, verifying credit history and property aspects, and working face to face with the customer. This insures that you, the borrower, are protected in all areas of the loan process.

The mortgage broker then presents the loan to the mortgage lender for funding. For providing this valuable service, the investor gives the mortgage broker a wholesale cost. This makes it possible for you, the borrower, to obtain the most competitive rate available.

We know that for us, one of the most important considerations with any loan is simply to stay in constant touch with the borrower. We also know the importance of getting the job done in a timely manner.

WE PROVIDE FIRST RATE SERVICE AND KNOWLEDGE

We pride ourselves in the number of referrals sent to us by satisfied borrowers and we are committed to earning the respect and confidence of every single client.

AS YOUR MORTGAGE BROKER, WE REPRESENT THE BORROWER NOT THE LOAN PROGRAM!

Lenders and investors from all over the country send us daily quotes on their particular loan programs. However, many loan programs may not fit the particular needs of the borrower. That's why working closely with you, we are able to seek out the lending program that truly fits your needs, and not the lenders.

As your mortgage broker, we understand the needs and desires of the community we live in. For us, nothing is more important than making sure you get the best loan in today's fast changing market.

FIRST RATE MORTGAGE PROTECTS THE BORROWER

The interest rate can be locked in at application or just prior to closing, giving the borrower the option of rate protection.

FIRST RATE IS A REFERRAL-BASED COMPANY

We are here to provide you with the assistance and useful information you'll need. First Rate has serviced the community for nearly two decades, with referrals being our best source of business.

Registered Mortgage Broker/NYS Banking Dept. Loans arranged through third party providers.

WE PROVIDE LOANS TO PEOPLE NOT TO NUMBERS!

First Rate Mortgage Corp.

Provides the following services:

• Purchases
• Refinances
• First Time Buyers
• Lines of Credit (Secured)
• Fixed Rate 2nd Mortgages
• Expert Loan Consultation
• Timely Performance
• Personalized Service