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

Restoring A Patio On A Budget: 3 Simple Tips
September 18, 2020
There are lots of homeowners who are looking at their patio and are not satisfied with what they see. This is where it is important to think about ways to bring that patio back to life. Whether this means entertaining friends or simply relaxing with a cocktail and a book, there are a few easy ways to bring a patio back to life.
Buying A New Car Impacts The Ability To Buy A New Home
September 16, 2020
Those who are in the process of buying a new home need to be aware of some of the factors that might influence their ability to do so. Even though credit score, income, and assets will play major roles in whether or not someone might be approved for a loan, there are other factors that will play a role as well.
4 Ways COVID-19 Has Had An Impact On The Home Lending Process
September 16, 2020
The COVID-19 pandemic has impacted everyone and this includes the real estate industry. One of the biggest impacts that this pandemic has had involves the home lending process. Because many people are looking for ways to buy a home while engaging in proper social distancing measures, the industry has had to adapt. Learn more about some of the changes the COVID-19 pandemic has forced on the home lending process.

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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!