CALL TODAY: 818-707-4131  • 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

"Could not have asked for a better home buying experience with regards to our loan. We recently found our dream home, and needed to navigate through several financial obstacles to make it happen. Fred’s relentless work on our loan, and knowledge of how to navigate the waters of today’s loan approval environment enabled our dream to become a reality!"
"This staff was incredibly helpful. This was my first home purchase and I had plenty of questions. Fred and his staff always took my calls and helped walk me through all parts of the process. I would highly recommend."
"Fred and his staff are very knowledgeable and professional. Fred will take the time to explore all of your options and find the right one for you. Then his staff will make sure that it all goes through as planned. Together they make the process easy."
"I would highly recommend Fred and his team to anyone looking to refinance their home. They treated us with respect and were there every step of the way. Any questions that we had his door was always open. He made the process stress free and very easy for us. Accommodated our every need. Thanks again Fred and looking forward to work with you in the future."
"Fred and his team did a great job closing this loan on time. We were especially pleased he was willing to fund a VA loan."
"Fred and his entire team were a pleasure to work with, regarding our first mortgage! Fred's Knowledge, level of support, frequent communication, and quick responses made our transaction feel very comfortable. i would highly recommend Fred for any lending need!"

The Latest News

What’s Ahead For Mortgage Rates This Week – March 18th, 2024
March 18, 2024
Last week's inflation data came in at a higher rate than expected, with Price Producer Index (PPI) numbers showing more than double the expected inflation gain. With both CPI and PPI being over the target, the steadfast certainty that the Federal Reserve will cut rates has now taken a step back, resulting in more tamed expectations for the near future. With a mixed response from lending partners, this may end up rapidly changing in the next round of discussions with the Federal Reserve's Chairman Jerome Powell this coming week, as well as a final rate decision.
Maximizing Your Home Improvement Budget
March 15, 2024
Many homeowners seek to enhance their living spaces while concurrently adding value to their properties. However, numerous home improvement initiatives often come with exorbitant price tags, reaching six figures for extensive renovation projects. Nonetheless, there exist cost-effective alternatives that homeowners can explore.
Escaping the Rent Trap: Building Equity through Homeownership
March 14, 2024
Are you tired of pouring your hard-earned money into rent payments every month, only to see it vanish into thin air? Have you ever considered that homeownership might be the key to escaping the rent trap and building wealth for your future?

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