We know that trying to find the right loan can be difficult, and with literally thousands of lenders to choose from borrowers can easily become overwhelmed. Our mission is simple - to help you find the right bank or lender to work with and to help you make an informed decision when selecting the type of loan program that is best for your unique borrowing situation.

Rate1st.com is America's Largest Online Lending Network. We specialize in offering the speed, control and versatility of the internet, which allows borrowers and lenders to connect in a revolutionary way.
 
We offer all types of Residential, Commercial and Investment financing, on any loan amount from $100,000 to $1 Billion. Our unequaled network of lenders from across the country creates unsurpassed flexibility in almost any lending scenario and greatly increases the number of competitive approvals for our clients, resulting in unrivaled savings for borrowers.

At Rate1st.com, every loan must be approved by a Certified Mortgage Planner (similar to a financial planner), not just a loan officer. Less than 1% of all mortgage originators have earned this designation. Certified Mortgage Planners do not simply sell loans, they watch out for our client's best interests.

At Rate1st.com, we plan to help every client as if they were a family member.

Sincerely,

Joshua C. Crater
President/ CEO

How Rate1st.com Works

1. You apply Online, by Phone, or via E-Conversation
    
   
2. We complete Quality Control and verify all your information
    
3. We call and review your goals for the new loan
    
4. Your loan scenario is completed and your credit is pulled once
    
5. Your loan scenario is compared amongst the top lenders in the country
    
6. We present you with the best Rate, Term and Payment options available; your best options are constantly updating in real-time as market conditions change
    
7. We lock your rate at the appropriate time to ensure maximum possible benefit
    
8. After all your underwriting conditions are met, your loan is funded
    
9. Celebration!