First Time Buyers

First Time Buyers


Debt Consolidation

Debt Consolidation


Reverse Mortgage

Reverse Mortgage


More Programs

More Programs


Message from President

Thank you for visiting our site. I will personally give you the most honest and knowledgeable advice in the lending industry.

This service is FREE. Why am I willing to spend my time with you? Because I know you will appreciate sound advice and some of you will probably close loans with us. I invite you to fill out the two step quick application, or call now toll free 866.562.6838 I will respond and help you immediately.

Jeff Kutnick
President, First Rate Lending

Lending Resources

Taking your financial future seriously

A person using a calculator and taking notes

Loan Calculator

Calculate the difference in your payment at each rate, term, loan amount, and more

A group of people sitting at a table using a laptop


A guide to understanding common mortgage terms and acronyms

A close up of a hand and coins

Document Upload

Securely upload documents needed for your home mortgage

House and a Key

Loan Programs

First Rate lending offers a very wide selection of loan programs.  Which one is right for you?


“Jeff, I just want to personally thank you and your staff for doing such a great job handling our refinance project for our home loan. You had been recommended to us by a close friend who also recommended you to another close friend.  You have a growing fan club in the OC.  All of us are more than pleased with the outcomes. You have handled two refinances for us and the first one was quite challenging but you made it happen. This more recent one was "easy" compared to that first one.  You and your staff have always been professional yet personal.  You explained things along the way and were only a phone call away if we ever needed to reach you.

Thanks for helping us and I look forward to a continuing and lasting relationship.”

- Clara and Eldon – Santa Ana Ca.

“Jeff and Cole, we are thrilled with our new home. Thank you for all your valuable time and help throughout this process.  We appreciate your attention to detail, and all the time you took to explain the many aspects of our loan. We appreciated your professionalism and your honesty regarding this entire process. Both of you went above and beyond what the other lenders were doing. Thanks again.”

- Garrett - Nipomo Ca.

“If you are looking for a mortgage broker/lender, look no further.  You have found the best people to work with.  Jeff and Kathy are the most professional, knowledgeable and friendly people around in the business.  Everyone knows buying a home is most likely the largest financial decision we will make in our lifetimes, and First Rate treats it as such.  This was my first time purchase, so I had a lot of questions and anxiety.  Jeff explained everything in minute detail for me in layman's terms so I understood what was happening step by step and everything was completely transparent.  You can tell Jeff really cares about his clients and understands their fears and hesitations.  This is a transaction where you have to have the utmost trust and confidence in the person conducting the business on your behalf.  I assure you, Jeff is the person for this.  His excellent assistant Kathy is extremely detail oriented and always on top of your paperwork and the timing/deadlines of your financial documents.  In short, I would not hesitate to recommend First Rate Lending to you, as I've already recommended them to my own Mother.”

- Mark – Hawthorne Ca.

“First Rate Lending offers great rates and very competitive pricing on loan packages.  Jeff made the whole process quick and easy.  Thanks Jeff”

- Rob – Huntington Beach Ca.

“My eternal optimism is constantly challenged with poor customer service. Not this time. I knew this was going to be a good experience after the first sentence I heard from Jeff. He speaks with a combination of kindness, knowledge, and professionalism that cannot be beat. I contacted Jeff after going through a frustrating experience with a lender that was approaching the 5-week mark. Jeff had me approved in 2 weeks and at a rate considerably lower than my previous lender. Jeff still touches base with me a year later to make sure everything is going ok. I have recommended him to many friends and while I have no plans for a new loan anytime soon, I know that Jeff would have my best interest at heart. You will not regret contacting Jeff. I feel really comfortable and happy knowing I have Jeff as my lender.”

- Leslie  – San Dimas Ca.

“Jeff and First Rate Lending were the best loan experience I have ever had. I can honestly say no one has taken as much time and care in answering my questions as Jeff in any professional setting.  Jeff at First Rate doesn't simply answer your questions, he makes sure you understand how all of the pieces come together to make the answer.  Jeff didn't just beat the competition badly; he beat them and their builder’s credit.  Other lending institutions should be embarrassed that they don't conduct business like First Rate Lending.”

- Scott – Signal Hill Ca.

"Wired funds are in! Thank you again Jeff.  What you have helped create for my family is better than I could have imagined when I first called you a few weeks ago. Your honesty and sincerity for not just doing what is right, but what is best for your clients is rare in your industry. I consider you a trusted adviser and look forward to future collaborations."

- Ed - Mission Viejo Ca.