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Located in Beautiful Southern California, we thrive on the success and satisfaction of our clients.

Calculators

Calculate your mortgage, interest rates, and more.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

Our ServicesFind Loan Products We Offer

Purchase

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

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Refinance

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted. Submit your Application

Home Purchase Loans and Refinance in Covina, CA

Welcome to the official site of First Rate Lending. We are a full-service mortgage company based in Covina, CA. We specialize in Home Purchase Loans and Refinance in Covina. We also serve the surrounding cities in Los Angeles. Whether you are buying a home or refinancing in any of these zip codes: 91724-1404, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

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 203k | VA Streamline | Conventional | Jumbo

What makes First Rate Lending unique is that we offer the following niche programs as well: VA specialist, FHA, Conventional 3% down, 1st-time homebuyer programs, Reverse Mortgages.

Contact First Rate Lending today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

WHAT PEOPLE SAYSome of our Awesome Testimonials

God Allows Dreams to Come True Stephen is extremely professional and a very charismatic individual. I had the pleasure of meeting Stephen at the beginning of this year in January 2020 and he has been incredible since the first day I spoke with him on the phone. At that time, I was out of state and Stephen helped me put an offer on a house that I ended up not buying which was a blessing in disguise. Thank God I waited some time and then, Stephen called me at the beginning of October and described my perfect home!! I saw pictures and I was thrilled to see this beautiful house in the San Bernardino County, which happened to be close to my brother's house (same community). I asked Stephen to help my mother and I get this gorgeous house and he said that he would do his best to help us. This has been an amazing dream come true, I still remember my conversation with Stephen in October and by November 16th of this year (2020) I had access to my property!! Stephen's knowledge about the real estate laws and policies made my transaction smooth and very efficient. I often called Stephen from 8:00 in the morning until late at night when I had urgent questions and he was always available and with encouraging words he made my worries disappeared. My transaction was challenging since there was a need of a co-signer and making sure all the documents that the lender needed were always provided that same day or early the next morning. Stephen was there to remind me of every document and signature that were needed, and every detail of the loan and keeping me constantly informed and updated through the entire process. During the final walkthrough, he even brought me a wonderful gift. I cannot express my gratitude and excitement for all that Stephen has done for my family and for me!! I highly recommend Stephen as a very knowledgeable, caring and outstanding realtor. I also consider him a friend that I can count on and wish him the very best in this life. Sincerely, E. Howe On Sun, Nov 22, 2020 at 8:30 AM RateMyAgent wrote: View email in browser RateMyAgent

Eliana Howe

Hesperia, Ca

Excellent, very knowledgeable and strait forward. Sold 2 houses with Steve excellent job and would recommend him to any one selling your home. Verified by RateMyAgent

Alez Padilla