Let Us Offer You A Quote and Our Best Financing Offer!

  • Rates Are Still Low!
  • Purchase Loans Available!
  • Lower Rate Refi

Discover exciting deals on Texas mortgages which are still available for buying a home and Texas refinance..

Let an experienced professional Texas mortgage broker assist you and will be able to answer your questions. They will provide you with a friendly and informative consultation regarding your new home loan or refinance in Texas.

Texas mortgage loan types that are currently available are conforming mortgages, FHA, USDA and VA home loan programs. Curious about the down payment amount? A loan representative will inform you about what may be needed for a down payment or down payment assistance. Usually depends on which loan program you participate in.

Use the short form below, to request more information.

We’ll do our best to offer the most lowest competitive rates in the State of Texas! Don’t delay… Rates are still good today, contact us now to find out more!

We service communities in the State of Texas and the large metro areas such as Austin, Dallas, El Paso, Fort Worth, Houston and San Antonio.

Mid size cities include Abilene, Amarillo, Lubbock, Midland – Odessa, Plano, Denton, Tyler, Waco, Kileen – Temple, Corpus Christi, Harlingen, Laredo, San Angelo and Beaumont areas.

In this new economy some of the Texas mortgage loans available are FHA, VA, USDA, Conforming, Rate-term refinance and Texas cash out (home equity loans).

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Subject to credit approval and underwriting. This website does not offer mortgage loans and is not the lender in any transaction, rates and terms are the responsibility of the participating lenders and brokers (read disclaimer).

 

Additional Documents

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Testimonials

“First Rate Financial was so amazing to work with! My husband and I just purchased our first home and they were there every step of the way! We worked with Chris Dixon and he made everything so easy. He told us everything we needed upfront and we were actually ready to close early if we wanted to because everything went so smooth. We so appreciate their help and expertise. We will definitely recommend them and use them in the future.”

– Morgan Villanueva

“I was referred to First Rate Financial by a buddy that had a phenomenal experience. Chris Dixon was my loan officer. He and my real estate agent Dan make a great team. They are extremely knowledgeable, responsive and set the right expectations for their clients. Not to mention provide the lowest rates without you having to shop lenders. Keep up the great work, I’m your customer for good!”

– Jay Cooper

“My wife and I purchased our first home with the help of Jason Turner. With it being our first time going through the home-buying process, Jason was extremely helpful getting all of our questions answered, even if some of our questions were basic and obvious. Jason answered texts, emails and calls on Fridays and Saturdays and made sure everything was moving forward swiftly throughout the entire process.

I highly recommend First Rate Financial, and specifically Jason. He was incredibly knowledgeable and my wife and I were very impressed with how everything went.

Thanks, Jason (and the rest of the First Rate Financial team)! I’ll recommend these guys to future home buyers”

– Eddie Moore

“Thank you so much to Jason Turner for helping us with our refinance. We never dreamed this process could be so easy and convenient. We could not have been taken care of better!! He was incredibly accommodating even with all of our silly questions! It was a breath of fresh air to have someone take the time to truly explain each detail! Thank you again Jason.. we will be sending all our family and friends your way!!!”

– Brittany Hitt

“Jenny with First rate financial was amazing! I was given her name through a friend after a terrible experience with a large bank. Jenny was friendly and knowledgeable . She had a competitive quote in 2 hours after my initial call. We closed without any hiccups in 3 weeks. Closing was completed at my house and done in 20 minutes. I would highly recommend this company without any reservations and will be a repeat customer the next time I need any finance assistance”

– Courtney Campbell

“Jenny Bray did an outstanding job with my refi! Saved me money with every opportunity and sent people to me to get everything signed and closed. No one likes driving across the metroplex to close on a loan and I got to do it in my office at work”

– Wesley Rogers

“Tawna was great to work with. She explained rhe whole process very nicely in detail and was available to answer any questions any time. She always responded to queries very quickly and always suggested the best options available keeping the interest of the client in mind. She was a great help through the whole process and we jighly recommend her.”

– Shailendra Parolkar

“I can’t say enough about Sarah Miller & how grateful we are to have worked with her on our home loan! Sarah was so quick to get us pre-approved, and was INCREDIBLY helpful in explaining the process for our home loan. She helped us get our interest rate to the lowest available, which saved us so much money, & worked hard on our behalf. She was quick, professional, and we are so confident in her services as well as pleased with the process! We will recommend Sarah Miller with First Rate Financial, LLC to all of our family & friends!”

– Alexandra Joplin

“First Rate Financial was excellent to work with. We received a recommendation from a friend after obtaining quotes from two other lenders. Chad Lemons and the team at First Rate Financial were able to get us a better interest rate and lower closing costs that either of the other two lenders – by a lot. At closing, the title company representative said that in all her years in the business, she’d never worked with a lender that was as good as Chad and First Rate Financial. Many thanks to Chad Lemons and the team at First Rate Financial.”

– Jeffrey Davis

“Hi Josh, First Rate was such a pleasure to work with during the refinance of my home mortgage. Josh, you were always pleasant each time there was a question about completing the process. There was no apparent stress involved in getting the paper work done. Thank you for being such a gentleman.

– Elizabeth Peveto

“My wife and I worked with First Rate Financial to secure a mortgage in June under a very compressed time schedule. We were leaving on vacation overseas and we had to complete our application and all the required supporting documentation in less than 10 days. They were extremely helpful in guiding us through this process and working with both the lender and the title company to make sure we had the correct information in a timely fashion. With their help, we were able to complete the application on time before our trip and by the time we returned the loan was already approved. We are very grateful for their professionalism and dedication and we will certainly refer our friends”

– Sanaa and Said Azim

“Couldn’t be more pleased with Chad & First Rate Financial!”

– Jere & David Medina

“Buying a home can be a daunting process, I am familiar with some of the complexities of the process – dealing with underwriters is no easy task. Add in multiple different deals, many, often conflicting, voices, and one can struggle to keep afloat. Patrick Pitts juggles all of these things with a finesse and talent that would put the Barnum Brothers to shame. While many people complain that it is impossible to contact their loan officer, Patrick will take a call at any time and talk down even the most petrified buyer. I have complete faith in Patrick, and I have no inhibitions about giving him my stamp of approval. While mortgage loan officers seem to be dime a dozen these days, Patrick is one in a million!””

– Michael Wellner

“Patrick Pitts from First Rate Financial made our mortgage refinancing seamless. It was simple, easy and hassle free! Patrick kept the communication open. He was available ANY given time to answer ANY questions that my wife and I had. He patiently went over the Good Faith Estimate line by line with my wife and I to ensure we completely understand what those numbers were. It was EXTREMELY pleasant working with Patrick. What my wife and I love the most about Patrick and First Rate Financial is that we CAN close our loan at our own comfort home and at a time that we chose for our convenience. How about that! I referred Patrick to one of my co-workers and he experienced and felt the same way about Patrick and a great company call FIRST RATE FINANCIAL. Once again we want to say THANK YOU Patrick and First Rate Financial for a remarkable experience!”

– Jill and Jay Luong

“I had a not-so-good experience with the company that financed my first house. Jason, at First Rate Financial, came highly recommended from a friend. He was able to get me pre-qualified in no time! He explained everything to me so that I clearly knew the process and had realistic expectations for each phase of the process. Finally, the day came when I found my house. I called Jason and he took the time to walk me through the next steps. When it came time to lock in my rate, Jason got me the most competitive rate at the best price. His work put me in the best possible position to purchase my new home.”

– Ty Scott

“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

“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

“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 05/15/2017 at 6:30 PM CST

Product
Interest Rate
APR
Conforming and FHA Loans
30-Year Fixed
4.00%
4.067%
30-Year Fixed FHA
3.625%
4.357%
20-Year Fixed
3.875%
3.968%
15-Year Fixed
3.25%
3.367%
10-Year Fixed
3.125%
3.295%
7-Year ARM
3.625%
3.691%
5-Year ARM
3.375%
3.44%

*Based on loan amounts of $200,000+

*Subject to credit & income requirements

*restrictions apply

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.