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Quick Loan Application
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Looking for a specific Interest Rate? Request the Interest Rate you want
We have created a Short Application to make the loan process easier for you.
Not sure what you can afford? Use our Mortgage Payment Calculator to find out.

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Popular Loan Programs

Choosing a Loan Program
The right type of mortgage for you depends on many different factors.

Conventional and Jumbo Loans
Conventional loans are secured by government sponsored entities or GSE's such as Fannie Mae and Freddie Mac.

Fixed Rate Mortgages
A loan program where your monthly principal and interest payments never change.

Adjustable Rate Mortgages (ARMs)
These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home.

Introductory Rate ARMs
Most adjustable rate loans (ARMs) have a low introductory rate or start rate, some times as much as 5% below the current market rate of a fixed loan.

Standard ARMs and the Differences
Various types of adjustable rate mortgages.

Cost of Funds Index (COFI)
This index is used to determine the interest rate for some types of ARMs.

London InterBank Offered Rate (LIBOR)
This index is used to determine the interest rate for some types of ARMs.

Balloon Mortgages
Balloon loans are short term mortgages that have some features of a fixed rate mortgage.

Graduated Payment Mortgages (GPMs)
The GPM is an alternative to the conventional adjustable rate mortgage, and has a fixed note rate and payment schedule.

We know that each customer has specific needs, so here at 1st Rate Home Mortgage, Inc., we strive to meet those specific needs with quality service and individual attention.

We pride ourselves in giving you:
Featured Loan Program
FHA Loans
Programs that help low and moderate income families become homeowners by lowering some of the costs of their mortgage loans.

Mortgage Market News

We stay on top of the market news and make sure that we communicate that news with you through our website and newsletters.

Mortgage Loans

 1st Rate Home Mortgage, Inc. 
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NMLS ID: 37411 | http://www.nmlsconsumeraccess.org/ | Texas Consumer Complaint and Recovery Notice

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New Jersey, New Mexico, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin

AK37411, AZ0940290, CA BRE-01863044, CA DBO-603G892, DC MLB37411, FL MLD1188, GA 67214, HI-37411,
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Illinois Residential Mortgage License
James R. Thompson Center
IDFPR-Residential Mortgage Banking
100 W. Randolph, 9th Floor
Chicago, IL, 60601
Tel: 844-768-1713
Hawaii Branch
4894 Analii St.
Honolulu, HI 96821
M-F: 9AM – 5PM