Need Cash Fast, Close a Fixed Rate HELOC
in as Little as 5 Business Days!

With our Partners and Excellent Loan Officers, we can close fast for you! 

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First-Time Homebuyers and Home Sellers in Utah, California, Colorado, Idaho, Texas, Florida & Wyoming

Welcome to the official site of 1st RATE MORTGAGE. We are a FULL service Mortgage Brokerage based in Washington, Utah.  Serving all of Utah, California, Colorado, Idaho, Texas, Florida and Wyoming.  We have access to hundreds of lender options to service every clients needs.  Our superior knowledgeable team and systems are here to make the loan process go as smoothly and quickly as possible.  From the first time hombuyer, to investor, to reverse mortgage, we want to be your lender and friend for life.  We can help you realize your dream of home ownership or help you save money on a new lower monthly payment.

Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Commercial-Business | Conventional and Reverse

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Commercial-Business | Jumbo and Reverse

What makes 1st RATE MORTGAGE unique is that we offer the following niche programs as well: Construction loans, and renovation loans.

Contact 1st RATE MORTGAGE today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

Find the Loan that
Works for you

Low Monthly Payment, Low Interest Rates, Purchase or Refinance

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Get Your Mortgage Questions Answered Today!

Click here for answers to common Mortgage questions!

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What Our Clients Say
About Us

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Clark and his team just closed a loan for some of my clients. My clients had used Clark in the past and wanted to use him again. As an agent I never know what to expect with a lender I haven't used before. Clark and his team did an excellent job with communicating and working quickly. That had everything ready to close about a week ahead of schedule

Melissa F
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Clark was extremely easy to work with and made what I thought would be a boring process really enjoyable. He was with my wife and I every step of the way to shed light and clarify when needed. He's obviously been doing this a long time yet he treated us like we were his favorite clients. The ribs he BBQ'd were a perfect finishing touch to an overall five-star experience. Would HIGHLY recommend!

Robert Z
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Clark and his team were very helpful and knowledgeable, I have never had such an easy transaction. Honest and kind, and I felt like I could really trust them. The loan process was so easy and smooth before I knew it... I was closing. They really treated me with respect, and I would recommend them to anyone. Thank you Clark and his team, it was a real pleasure working with you.

The Hergets
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