First Rate Financial simply offers you the same service
as the larger banks, but with less charge.
You will find a combination of rates and fees much lower than your local or national bank/lender. We
want you to receive a great deal with great service so you’ll never need to call another mortgage
company again. Our goal is to become your lender for life.
Total Payments with Interest:
“Please give First Rate Financial a call as you move forward with your home purchase. They may be able to help you find a good property and can definitely help you with financing.
First Rate helped us through a very complicated re-financing. Thanks.”
– John Thompson
“Chad Lemons at First Rate Financial helped us refinance our house. The experience was fantastic. Every expectation was exceeded and everything he said would happen, did happen. We got a great rate with no hassle, and the process was much faster than we thought possible.”
– Tom Ziglar
“Chad Lemons was a true blessing when he helped me refinance my mortgage. He was tireless, and even when it didn’t look like the loan would go through, he worked his miracles and not only got my loan approved in a timely manor but saved me several hundred dollars on my mortgage payment. I would highly recommend him to anyone. He is trustworthy, efficient and yes, even brilliant at tying up the loose ends to make a deal happen. In short, Chad Lemons is the man for the job!”
– Cindy Oates
“Chad, just a brief note to let you know how much Martha and I appreciate all the hard work you went through to enable us to refinance our home. We will certainly recommend you to our friends who are thinking about refinancing.
When we sell, you will be the one we will call.”
– Nelson and Martha Hensley
“Building a new home presented several challenges, but Chad Lemons at First Rate Financial made the financing aspect of it a cinch. Circumstances caused our loan scenario and needs to change after the pre-qualification stage and after construction had commenced, which gave us great concern. He worked with us diligently until we found the solution that worked best for us. His work ethic, attention to detail, and customer service set him apart from the rest during a process that can be very stressful and confusing to home buyers that have limited experience with it. And when it came to our closing, he had our paperwork done almost a week early and his diligence made the process go as smoothly as possible. In fact, our builder sent us an email commenting on how rare it was for a broker to be so easy to work with and to be so organized with everything. I hope to be in my new home for a while, but when it’s time to move, Chad will be the first person I call!”
– Blaine Banta
“I want to express my sincere thanks to First Rate Financial for the personal attention given to me during the recent refinance of my home. I had been told that refinancing would be a beast; however, working with you made the entire process seamless. So often you hear about scams and greed in the housing industry and you don’t know who you can trust.
I was shopping loans and thought I had found the perfect one. Low and behold you completed my loan documents, resulting in a mortgage that could not be matched by ANY lender, and the rest is history!
Words could never convey how much I appreciate your impeccable integrity, patience, and the level of professionalism exhibited by you while guiding me through every single step. The mortgage and finance knowledge that you imparted will be invaluable for years to come.
May you continually be blessed in all of your business endeavors as you work tirelessly to help so many others in the community as they embark upon home purchases and refinance.”
– Nancy B. Williamson
“My husband and I were completely satisfied with the efficient service we received from Chad. We had been working with another financial institution attempting to refinance our home for 4 months. We found out about Chad, and we had our refinance funded at a lower rate, with proceeds in hand, within 6 weeks!! We would recommend Chad to our friends, family and associates. Thanks so much Chad!”
– Karen and Mike Maguire
CURRENT RATES as of 06/6/13 1:30 PM Central
*Based on loan amounts of $200,000+
*Subject to credit & income requirements
All conventional rates and APRs assume 80% financing on a $200,000 loan value with max loan of $417,000. Offers may terminate at any time without notice. Rate/APR calculated on a 365 day year with typical closing costs. Rates/APRs subject to change in closing costs and properties. All rates as of date posted on this website with 30 day lock period. Signed loan application required to lock rate. Rates may be higher for credit scores below 740 middle score. APR will change with loan amount and percentage of home being financed.