Lock in a NewRate Today.

First, tell us what you are looking for.

Speed up your loan process by giving us a call at (949) 732-0624

Choose the right plan for you

We have plenty of plans, made just for your needs. Make sure to get the best one.

30 Year Fixed

  • Fixed Interest rate.
  • Low monthly payment.
  • Great for borrowers with great credit history and who plan to stay in their home for a long time

FHA Loan

  • Only 3.5% down.
  • Fixed interest rate.
  • Easy qualification.
  • Great for borrowers with fair credit.

VA Loan

  • An exclusive benefit for Veterans.
  • Refinance up to 100%.
  • Buy a home with 0% down.
  • Easy Qualification.

Interest Only Loans

  • Interest-only payment.
  • No principal.
  • Strong credit qualification.
  • Fixed, then adjustable rate period.

Foreign National Loan

  • For Non-US Citizens.
  • Investment Properties Only.
  • Interest Only Loan.
  • Fixed then adjustable.

Learn how new government HARP initiatives make refinancing with a loan modification and homeownership preservation easier than ever, even if you’re home is worth less than your current mortgage balance.. We may be able to refinance you with a much better rate even if your home is “underwater”.

Benefits of using us

NewRate Lending‘s experienced professionals offer quality support throughout the entire process

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  • Lower Fees
  • Fixed Fees
  • No Hidden Fees
  • Fast Approval
  • No Money Down
  • Lowest Possible Interest Rate
  • We can close your loan fast

See what our clients are saying about us

The whole team makes it a point to make you feel like you picked the right lender. They answered all Our concerns in a timely manner and made sure we got the lowest rates possible. They are a great company to work with and I can't recommend them enough

Michelle A.

The rates that we got are very good! I can't thank Rick enough for helping us with everything!

Carlson M.

Great customer service and a very honest group! Answered all my questions and didnt pressure me at all. Enjoyed the process and will refer NewRate Lending to my friends and family!

Amar W.

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Calculate your mortgage

Curious to what your mortgage payment would be? Use our calculator and find out!

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Questions? Call us for a free consultation at

(949) 732-0624

All calls to this number are free of charge.

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Start your mortgage application today

New Purchase Refinance