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Home loan options

Explore home purchase and refinance options with a Loan Officer who can help you compare programs and understand the next steps.

Buying a home

Find the loan that fits your next move.

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Refinancing

Explore new possibilities for your current home.

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Finding your fit

Compare programs with someone who knows your goals.

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Meet our team

Connect with your Loan Officer to discuss prequalification, request a personalized rate quote, or start a secure application.

Real stories. Thoughtful service.

“Sandy and Beth made the process simple with clear requests for information needed to get a loan and the best rates possible. The online signatures for paperwork were awesome and simple to navigate! No need to coordinate signing at the same time as my spouse.”

Jeremy Farner

“I chose to go with First Rate Home Loans after meeting with Sandy and discussing the process and steps for the loan. I felt like Sandy had similar views to finances as I do. Living within your means and investing in the future. I am a first time home buyer. Sandy was able to help me understand things and the next steps in the process. It was really helpful for me going through the process for the first time. There were a lot of vocabulary related to loans and buying a house that I was not familiar with when I first started. I would recommend Sandy to anyone.”

James Calder

“Austin Stewart is an individual with high integrity, dedication to his clients, and a vast knowledge of real estate and lending. Excellent communication throughout the transaction, he went above and beyond to ensure we felt comfortable and educated, and even took some after hours calls to fit our schedule. Would highly recommend using him on your next real estate transaction!”

Nick Summerhays

“Austin is the BEST! He helped me get something done in record time against all odds. He stayed on top of everything and was so helpful and professional! I would recommend Austin Stewart to anyone looking for this type of help!!!!”

Debbie Green

“Andy and the First Rate Home Loans team went above and beyond to help me understand every part of the home buying process. They always responded quickly and gave great advice when I wasn't sure about certain decisions during the process.   Everything was fantastic and the process was smooth.  I can't think of anything that needed to be improved upon.  Thanks everyone!”

Alex T.

“Working with First Rate Home Loans was one of the best buying experiences I have had in anything, not just homes! The level of commitment and continued service through the whole process is unmatched in any business. Andy Larsen is one of the most knowledgeable and nicest people I have met.”

Kyle P.

“As first time home buyers, my husband and I learned a lot from Andy Larsen about the process. Andy was happy to share his knowledge, and he made things so easy and smooth for us. Not only that, but he was so personable. After only a few phone conversations, we felt like he was a friend! He genuinely wanted the best for us. We couldn’t have had a better experience.”

Mattie S.

“Andy and his team were excellent in every step of the loan process.  Andy explained things in detail about different options of our loan and answered all of our questions clearly and concisely.  He and his team processed the loan expeditiously and efficiently.  We were very happy our realtor referred us to him for our home loan.”

Bryan H.

“I have done every single one of my home loans with Andy. Andy has always kept me very well informed about the overall status of my loan and has always done a great job getting me the best rates possible.  A few years back I wasn’t sure I would be able to get into a house due to some existing debt but Andy was able to work with me to not only get me a great mortgage but also do so at a great rate.  Andy is the best.”

Gregory L.

“I really enjoyed working with Brad Carter on this refinance of our home! He walked us through everything very professionally! He worked hard to get us the best mortgage rate! I totally recommend him!”

Cheri Severson

“Brad Carter is the best! He doesn't just respond to finance requests, he lets me know when it's a good idea to refinance. I have several properties, and I've worked with Brad, many times, for years. Each time I work with him, I realize he's a cut above anyone I've ever worked with.”

Marlon Bird

“I’ve worked with Austin on several occasions and he is always professional and super easy to work with. He’s very good at communicating and I can always count on getting a quick response when I reach out to him. What stands out the most to me is his work ethic, he is committed to what he does and will work hard to ensure you are taken care of. He doesn’t shy away from sharing his thoughts or offering solutions when challenges arise, he truly cares about the success of the project at hand. I highly recommend working with him!”

Cordell Keller

“Brad Carter is the best person I have ever felt with in the mortgage business. He has helped me with a dozen mortgages, making each process as painless and quick as possible.”

Marlon Bird

“Austin is one of the most easy going and friendliest person I’ve ever worked with. He consistently ensures that his service is of the upmost quality and consideration. I would trust Austin with any additional lending for my family, friends, and of course myself moving forward. I HIGHLY recommend working with him. You will thank your lucky stars you did, take it from me.”

Noah Nicholls

“I was connected to Robert Buchanan by his great Real Estate agent John McLawhorn. John told me from the beginning that he hadn’t seen anyone take as good of care of homebuyers as Robert—which was totally true! Robert provided relentless and superior customer service to me. He called and responded to my texts very fast, and was thorough in answering all of my many, many questions about loans and my mortgage! I shopped around with 5 different mortgage lenders, and Robert was the only one who came out on top. The others couldn’t move as fast as Robert and John’s team. I also received excellent care from Kiersten and Stephanie, escrow and loan officers. Very cheerful people! And even the front desk receptionist Amber was so kind and celebrated in my first home buying experience! Honestly, buying my first home was not as scary and complicated as I feared, and Robert’s team helped make that feasible by doing solid work helping me find the best rates and mortgage! I trust them.”

Derek Shumway

“I worked with Jerry Simmons. During that time my wife had a brain tumor that left her wheelchair bound and total care. Jerry showed up at my house and built me a custom ramp to get my wife in and out safely . He did it on his own time and it cost me nothing. The whole time he made the whole refinance process easy. His dedication to me and my wife was next level. I highly recommend him.”

Cool Breeze

“I recently had the pleasure of working with Matthew Masner, an Army veteran and mortgage loan officer, for a VA refinance, and I couldn’t be more impressed. From start to finish, Matt demonstrated exceptional professionalism, reliability, and dedication to finding the best and lowest interest rate available. Their deep understanding of the VA loan process was evident throughout, and they worked tirelessly to secure the most competitive rate in town. Communication was a standout aspect of the experience; Matt was always prompt, clear, and proactive in keeping me informed at every stage. It was clear that my best interests were at the forefront of their efforts, and their attention to detail was remarkable. If you're looking for a mortgage loan officer who combines expert knowledge, reliability, and a genuine commitment to client satisfaction, I wholeheartedly recommend Matt Masner. Their service was truly top-notch and made the refinance process smooth and stress-free.”

Leonardo

“Jerry was Amazing! He was very communicative with us the whole process, and talked us through Everything. He even got aa gift for closing. He made buying a House easy!”

Julie Gibson

“Jeff is the absolute best! Not only did he help me get into my first house, but he explained EVERYTHING in detail to make sure I understood it and went over and beyond to help out.”

Brandon Ehlers

“There were lots of moving parts to make the sale of my home and purchase of the new home possible. Robert worked his magic and made a complicated situation much easier, even in a time crunch. Definitely recommend!”

Kim

“Tonya has been amazing throughout the entire process. This is my first time purchasing a home, and it was all so new and unfamiliar to me. I'd recommend Tonya to anyone needing to get a home mortgage.”

Mike Anderson

“Matt is the best you could get on your team! He helped us with challenges that no one else could have handled. Such a nice guy and truly dedicated to help you.”

Joseph Palacios

“Great to work with and incredibility knowledgeable. I would recommend this company to anyone. Bill did a great job we will use him again for all of our transactions.”

JD Wall

“Austin is super awesome to work with he is very knowledgeable and has super positive energy I loved working with him he always goes above and beyond for all his clients”

isaias herrera

“I was referred to First Rate by my realtor. From the first call, the responses I have got have been prompt and professional. He answered all of my questions quickly and took the time to make sure I fully understood everything along this whole process. I hope to not buy another house, but if I do I will be coming back to First Rate Home Loans!!!”

brandon dew

“An incredible experience, start to finish. Could not have been better.”

Chase Jorgensen

“Melissa is an awesome loan officer. Really sweet and very responsive.”

Ben Davis

“Thanks to Elizabeth Jurecki and Emanuel Aguirre for helping us fulfill our dream of buying our first home. Thanks to them, everything was easier; they were there every step of the way, answering each and every question and doubt that arose during the process.”

Brandon Coronel