Company NMLS 1777223 • Company DRE: 02075839
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About Us

First Rate Financial is a leading lender located in Westlake Village, California, in the heart of the Conejo Valley. Since 1989, First Rate is a Mortgage Company known for its superior service, integrity, and experienced loan consultants. We offer a variety of home loan solutions including first-time homebuyer programs with down-payment assistance, FHA and VA, conventional, jumbo and super jumbo and more! This means you can rest assured that we’ll provide you with a competitive loan that meets your unique needs. Providing a loan to a client is just the beginning of a financial relationship. We believe that First Rate Financial Group is here to satisfy YOUR needs, not just ours. Our goal is to create a “Client for Life.”​ We pride ourselves in offering astute financial advice and the highest level of customer service. We make the process of purchasing or refinancing your loan as simple and worry-free as possible. Whether you are purchasing a new property or you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, we are confident that we will satisfy your needs. By putting you first, we assure you a pleasurable transaction.

Loan Programs

Fixed Rate Mortgage
A mortgage in which the interest rate is fixed for the term of the loan. Terms include 30, 20, 15 or 10 years.
Adjustable Rate Mortgage
A mortgage in which the interest rate is adjusted periodically based on a pre-selected index and margin.
Hybrid Adjustable Rate Mortgage
A mortgage in which the interest rate is fixed for a predetermined period of time, like three, five, seven or 10 years. After the predetermined period of time, the loan converts to an adjustable rate mortgage (ARM) for the remaining term of the loan.
Conventional Loan
Conventional loans are not insured by any government program, and they are the most common type of mortgage. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac. Nonconforming loans don't meet those guidelines, but are still considered conventional. Conventional loans often have higher down payment requirements than government-sponsored loans like FHA and USDA.
VA Loan
Mortgage loans available to eligible US veterans. VA guaranteed loans are made by private lenders, such as banks or mortgage companies, for the purchase of a home for a buyer’s own personal occupancy. These loans offer competitive rates and require little or no down payment.
FHA Loan
A loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately-priced homes almost anywhere in the country. FHA loans offer a low down payment and more flexibility than many other types of financing.
USDA Rural Home Loan
Loans guaranteed by the USDA remain one of the few nationally offered loan programs available with no down payment. The program’s requirements mandate that both the property and borrower must qualify. These requirements are dependent on the physical location of the property and the maximum household income.
Reverse Mortgages
A homeowner relinquishes equity in their home in exchange for regular payments, typically to supplement retirement income.

Client Reviews

The Latest News

Inexpensive Curb Appeal Tips That Work
May 17, 2019
No doubt you've been told that curb appeal will help sell your home. But if money is short you'll need to do some curb appeal on a budget tricks.
NAHB: May Home Builder Confidence Hits Highest Level in 7 Months
May 16, 2019
The National Association of Home Builders reported the highest builder confidence reading in seven months for May. May's reading exceeded expectations for an index reading of 64 and rose three points to 67.
Can I Sell A House That Still Needs Repairs?
May 15, 2019
When you started thinking about putting your house up for sale, you probably made a list of repairs that need to be done ahead of time. If that list was long, you might be at a point where you're asking if it's all worth it. Will prospective buyers really notice the little things? And even if they do, will that affect how much you're able to get for your home?

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Any questions? Don't hesitate to call us at (818) 707-4131 or leave us a message through our contact form. We'll be in touch as soon as possible!