- Conventional Loans: We offer conventional loans, which are traditional mortgage loans that are not insured or guaranteed by the government. These loans typically require a minimum down payment and have flexible terms.

- FHA Loans: First Rate Financial provides FHA (Federal Housing Administration) loans. These loans are insured by the government and are a popular choice for first-time homebuyers. FHA loans offer low down payment options and flexible credit requirements.

- VA Loans: We offer VA (Veterans Affairs) loans, designed for eligible veterans, active-duty service members, and surviving spouses. These loans are backed by the Department of Veterans Affairs and offer competitive interest rates, no down payment, and easier qualification criteria.

- USDA Loans: First Rate Financial offers USDA (United States Department of Agriculture) loans. These loans are designed to assist low to moderate-income borrowers in rural areas. USDA loans provide 100% financing with no down payment required.

- Jumbo Loans: We provide jumbo loans for borrowers who need financing beyond the conforming loan limits set by Fannie Mae and Freddie Mac. These loan amounts are typically higher and may require additional documentation and stricter qualification criteria.

- Adjustable Rate Mortgages (ARM): First Rate Financial offers adjustable rate mortgages, where the interest rate is variable and may change over time. ARM loans usually have lower initial interest rates, making them suitable for borrowers who plan to sell or refinance in the near future.

- Fixed Rate Mortgages: We provide fixed rate mortgages, where the interest rate remains constant throughout the loan term. This type of loan offers stability and predictable monthly payments, making it a popular choice for many homeowners.

Note: This is just a sample list; the company may offer additional loan programs not mentioned here.