1st Rate Home Mortgage, Inc (1RHM) is a full service mortgage company. We have the ability to both broker and act as the lender on transactions. This company was built by originators at a time when mortgage was a 4-letter word - 2007. We have more than survived the ups and downs that this industry has seen. Throughout the years 1RHM has gotten stronger and continued to grow into new markets. Currently, 1RHM is licensed in 21 states (AK, AZ, CA, CO, DC, FL, GA, HI, ID, IL, MI, NJ, NM, OR, PA, TN, TX, UT, VA, WA, and WI). We employ top tier technology to ensure our loan officers are ahead of the competition. Our reputation speaks for itself. We may not be the most profitable company in the industry, but we retain our loan officers and clients better than any of our competitors -- because profits are not our #1 priority and they never will be. Doing the right thing day in day out and treating our staff and clients with respect is what we do best. In today's cut throat business environment 1st Rate Home Mortgage, Inc. still subscribes to the ethics and principles first approach to doing business. NMLS: 37411 http://www.nmlsconsumeraccess.org/