Don't Wait Any Longer

Buy Your Home Today With 1% Down.

Lender Contributes 2% and Available With No Monthly MI

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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
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FHA Loan

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

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

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

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

Frequently Asked Questions

Most of the questions that you are asking yourself are answered here

Mortgages are available for owner-occupied primary residences and second homes. This includes single family homes, condos, 2-units,3-units, 4-units, and planned unit developments. Rental properties and tenancies-in-common (TICs) are not eligible.
All applicants must be U.S. citizens or permanent residents, and be the age of majority in their state of residence. Applicants must also reside in one of our eligible states. Mortgage eligibility also depends on a number of additional factors, such as credit scores, income, employment status, and property eligibility. Please review NewRate’s mortgage eligibility criteria for further details.
Please ask about our Foreign National Program if not a U.S. Citizen
We may require as little as a 1% down payment for well-qualified applicants. Maximum loan amount and program requirements apply.
Yes, qualified applicants may apply for refinancing and a minimum of 20% equity is required.
No, we do not require PMI on any of our jumbo loans. Borrower has option to elect Borrower-Paid mortgage insurance for a possible lower interest rate. We offer Lender-Paid Mortgage Insurance (LPMI) or Borrower-Paid Mortgage insurance for our agency loans with a Loan-to-Value ratio greater than 80%.
To check the rates and terms you qualify for, NewRate conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.

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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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