Meet the Team

Chad Lemons

Chad lives in Frisco, Texas with his awesome wife, wonderful son, and crazy dog. When he isn’t working or spending time with the family, he likes to mix in sporting events, concerts, theater, and more sporting events.

“My #1 goal is to make sure every borrower KNOWS that I have their best interest in every loan. I am driven to prove this from start to finish throughout the loan process (and even after). With 15+ years of mortgage experience, I am able to educate each borrower on their specific situation, so they know exactly what to expect at each stage of the financing process. When you combine the service with the pricing we offer, it makes choosing us very simple.”

Patrick Pitts

My name is Patrick Pitts, some know me as the Mortgage Guy, I have lived in Texas for over 30 years and in just about every region of our great state.  I grew up in North Texas before moving to West Texas for about 5 years and have currently lived in Central Texas (Austin/Round Rock) for over 10 years.

While searching for my career I have worked hard in many industries but nothing gives me the satisfaction of getting a family into their next home and with over 10 years’ experience in lending that feeling never gets old!  I understand this is one of the biggest purchases of your life and inevitably questions will come up, rest assured I will be available 24/7 to answer all your questions.  You will get the experience of a proven loan officer that will ensure you have a stress-free mortgage experience and not have to pay any extra for it.   Your first experience will ensure you will not need to call another lender ever again.

Chris Dixon

Chris, lives in Fort Worth with his beautiful wife and 2 boys!  When he isn’t working his tail off, he loves to play golf and enjoy time with the family.

To Chris, it is imperative that his service far exceeds our competitors and that our rates and costs are unmatched.

Jenny Bray

Hi, my name is Jenny, Senior Loan Officer with First Rate Financial. I currently serve in the Dallas/Fort Worth metroplex. I bring more than 11 years knowledge and background in the mortgage and insurance industry. I was born and raised in Texas. I attended The University of Texas at Austin where I received my degree in Kinesiology and Business Administration. My favorite thing about this industry is that no loan or customer is ever the same. I believe that working with all different types of borrowers and getting to know them through the process of buying/refinancing their home is a rewarding feeling as the process can be a stressful one, especially first time home buying! I enjoy taking as much stress out of the equation for the borrower and instead making it as painless and exciting as possible.

As a Loan Originator, my first thought is to create a comfortable, trusting relationship with my borrowers. I feel like setting that foundation is the key to a smooth and easy process. Always being accessible to answer questions or walk my borrowers through every step is also very important.

In my free time I enjoy yoga, good red wine, movies, concerts and traveling! But most of all, I love my family.

I am looking forward to working with you and creating a fun experience!

Tawna Cox

While Tawna has only been in the mortgage industry for a year you would never know it by how fast she has hit the ground running, learning quickly and feverishly to build a successful business here at First Rate Financial! Her favorite thing about the industry is that no loan or customer is ever the same. Tawna says “Working with all different types of borrowers and getting them through the process of buying/refinancing their homes is a rewarding feeling as the process can be a stressful one, especially first time homebuying!  I enjoy taking as much stress out of the equation for the borrower and instead making it as painless and exciting as possible.”

As a Loan Originator, “My first thought is creating a comfortable, trusting relationship with my borrowers. I feel like setting that foundation is the key to a smooth and easy process. Always being accessible to answer questions or walk my borrowers through every step is also very important.”

Tawna just recently moved to Prosper, Texas with her husband, three-year-old daughter, eighteen-year-old step-son and a little boy on the way. In her free time she enjoys shopping, brunch with her girlfriends, movies, concerts and traveling with her family and friends.

Jason Turner

Here at First Rate Financial, we take pride providing the smoothest, most seamless mortgage experience possible at the lowest cost on the market. Give me the chance to roll out the red carpet just for you. I will take the time to provide you with a number of options, and I have the knowledge and experience to help you make the best decision for your particular situation.

I was born and raised in Texas, and have been originating loans here since 2003. With loads of experience in conventional, FHA, VA, and USDA loans, rest assured that you are in good hands regardless of what program you are looking for. Let me compete and show you what we can do. A quick call might save you thousands of dollars!

Josh Nelson

I joined the First Rate Financial team in 2012 and immediately fell in love with the mortgage industry.  To me, it doesn’t matter if it is the joy of helping people get into their new home or refinancing their current home, either way it is an exhilarating feeling to know that we really did help to make a difference in someone life.

I can tell my new clients with total confidence, that our combination of rates, closing times and availability are the best deal in the industry.  Working in an industry with long-time friends and being able to help people with the biggest purchases they will ever make really does bring satisfaction to me.

Sarah Miller

I started work in this field because of my passion and compassion for people. Home ownership creates stability and joy in people’s lives. My desire is to help people get into the home that is right for them. To assist them in understanding the entire home buying or refinancing process from start to finish. My goal is to be a partner with my clients walking through one of the biggest decisions of their lives. That is why I chose to work for First Rate Financial. First Rate cares about every client and takes the absolute best care of them and make sure they get the best possible deal. It would be my privilege to assist you in one of the biggest decisions of your life. I promise I will make sure you and your family are taken care of the best I possibly can. Call or email me anytime!


“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 10/31/2018 at 6:30 PM CST

Interest Rate
Conforming and FHA Loans
30-Year Fixed
30-Year Fixed FHA
20-Year Fixed
15-Year Fixed
10-Year Fixed
7-Year ARM
5-Year ARM

*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.