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Is an 8-Minute Mortgage Even Possible?
You may now be able to secure a mortgage from your couch or, even, while waiting in line to pay for all those holiday gifts. Quicken Loans recently launched a self-service mortgage application that lets prospective borrowers receive full approval and …

Why Bernanke Is Blasting House Highway Bill
Call it a victory for the banks and a defeat for the Fed, or a “sleight-of-hand” maneuver, as former Fed Chairman Ben Bernanke does. It's the House transportation bill, passed last week, which uses funds from the Federal Reserve's capital account to …

(770) 334-8451 

Dedicated team returns your messages within 2 to 4 minutes, not 24 hours.

NOT ALL RATES ARE CREATED EQUAL!  ALL rates are dependent on each of the following loan factors: loan amount, loan-to-value, occupancy status, loan term, credit score, whether you want to pay all, some or no closing costs, special loan feature buyouts (such as waiving escrows or requesting cash out) and whether you are purchasing or refinancing a home.  If you do not factor in all of these items when inquiring about a rate, you could be getting set up for a misleading rate quote.  Just comparing online rates without loan specifics as we offer in our Custom Rate SearchTool above, is where the inaccuracy can begin.  Accurate details are the key to financing transparency.

We invite you to browse through our web center and take advantage of the various tools we have available to help you in your search for knowledge and advice about obtaining a new mortgage.  We hope you utilize our easy, convenient, online Rate Table for live rate comparisons.  For a more personal experience, contact us for assistance by one of our experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.

Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.


1st Rate Mortgage Services, LLC NMLS #216585
327 Dahlonega St., Suite 104 B, Cumming, GA  30040
Office:  (770) 334-8451 Ext. 101
Copyright © 2015 1st Rate Mortgage Services, LLC
Georgia Residential Mortgage Licensee #32549
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