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<title>First Rate Lending in Laguna Niguel</title>
     <link>http://www.firstratelending.com</link>
     <description>First Rate Lending knows what it takes to be a successful lender. Since the start of our operation, our dedication to exceed your expectations and guarantee your satisfaction has made us what we are today. From start to finish in the loan process, we provide no less than exceptional service to our most prized possessions: our customers.As a leader in the mortgage industry, we aim to deliver excellence in every area. Based on client feedback, we constantly strive to improve our systems and technology to improve our efficiency and success ratio.Because market conditions are constantly in flux, we keep our fingers on the pulse of mortgage backed securities to ensure that you get the best interest rate possible.</description>
     <language>en-us</language>

<item>
    <title>Loan programs</title>
    <link>http://www.firstratelending.com/loan-programs.cfm</link>
    <description>Finding your way through all of the options, payment plans, applications and paperwork can be confusing. Learn about some of the options available by clicking below or let a professional listen to your needs and assist you in getting started.</description>
</item>

<item>
    <title>Financial Calculators</title>
    <link>http://www.firstratelending.com/loan-financial-calculators.cfm</link>
    <description>We provide a list of calculators to assist you with your financial matters:</description>
</item>

<item>
    <title>Refinancing</title>
    <link>http://www.firstratelending.com/loan-program-refinance.cfm</link>
    <description>When you need a quick and easy refinance of your home or investment property, try First Rate Lending. Our customers have said that our speed of processing, knowledgeable staff and aggressive programs set us apart from our competition.</description>
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<item>
    <title>100% FINANCING</title>
    <link>http://www.firstratelending.com/loan-program-full-financing.cfm</link>
    <description>The 100% financing loan is designed to offer home ownership opportunities to borrowers with good credit but who lack the ability or desire to make a down payment on a home.</description>
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<item>
    <title>PURCHASE</title>
    <link>http://www.firstratelending.com/loan-program-purchase.cfm</link>
    <description>One of the most exciting adventures you will ever encounter is purchasing a home. If you are a first time buyer or an experienced investor we will make the process quick and easy.</description>
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<item>
    <title>FULL DOC AND STATED INCOME</title>
    <link>http://www.firstratelending.com/loan-program-full-doc-and-stated-income.cfm</link>
    <description>A full doc loan is one that requires that the borrower present all necessary documents, including inc me verification to be considered for the home loan.</description>
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<item>
    <title>FIRST TIME BUYER LOAN </title>
    <link>http://www.firstratelending.com/loan-program-first-time-buyer.cfm</link>
    <description>Many home loan programs have been specifically created for first time home buyers. These loans feature low down payments and approval guidelines that make it easier to qualify. Some of the more popular first time homebuyer programs are listed below.</description>
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    <title>FIXED RATE MORTGAGES</title>
    <link>http://www.firstratelending.com/loan-program-fixed-rate-mortgages.cfm</link>
    <description>One of the many types of home loans offered to borrowers is called a fixed rate mortgage. </description>
</item>

<item>
    <title>DEBT CONSOLIDATION</title>
    <link>http://www.firstratelending.com/loan-program-debt-consolidation.cfm</link>
    <description>Our debt consolidation home loan programs can be tailored to your specific needs. Below is some information to help get you started.</description>
</item>

<item>
    <title>REVERSE MORTGAGES</title>
    <link>http://www.firstratelending.com/loan-program-reverse-mortgages.cfm</link>
    <description>A reverse mortgage is a unique type of loan used by older Americans to convert the equity in their homes into cash. The money from a reverse mortgage can provide seniors with the financial security they need to fully enjoy their retirement years.</description>
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