Privacy Policy & Disclosures
Select a section below, or scroll to read our website privacy policy, licensing information, and disclosures.
- Website Privacy Policy
- Licensing & NMLS Information
- Mortgage Disclosures
- Texas Consumer Complaint Notice
- Accessibility Assistance
Website Privacy Policy
This notice concerns the public First Rate Home Loans, LLC website. The website provides mortgage information and links to Loan Officer application services.
Contacting us
If you contact us by email or telephone, the information you provide is used to respond to your inquiry. Please provide only the information needed for that purpose. Do not send Social Security numbers, bank-account details, tax documents, or other sensitive financial records through ordinary email or a general inquiry message.
Mortgage applications
Use the secure application link associated with your Loan Officer when providing application information. Application services may be operated by a third-party provider. Review the privacy notices and disclosures presented during that process.
Financial privacy information
To request First Rate Home Loans, LLC’s financial privacy notice or ask about its information practices and available privacy choices, contact info@firstratehomeloans.com or (801) 441-2350.
Website and security services
Hosting and security services may process technical information associated with requests to the site. The information practices of third-party websites linked from this site are described in their own notices.
Last updated: October 27, 2026.
Website inquiry forms
Our contact and callback forms collect the name, contact details, inquiry selections, and optional message you submit. Form entries are stored in this WordPress website and notifications are sent to info@firstratehomeloans.com so our team can respond. Hosting, email, and security services may process information associated with the request. These forms do not enroll you in marketing messages. Please do not include sensitive financial records.
Mortgage calculator
The calculator processes the amounts you enter in your browser. It does not require registration or submit your calculator inputs as a lead.
Licensing & NMLS Information
First Rate Home Loans, LLC · Company NMLS #1733687
First Rate Home Loans, LLC is an Equal Housing Lender. Company licenses and registrations are listed below. Individual Loan Officers may have different state authorizations; please confirm that your Loan Officer is authorized for the state where the property is located.
| State | License / registration | Number |
|---|---|---|
| Arizona | Mortgage Broker License | MB-1051346 |
| Colorado | Mortgage Company Registration | NMLS 1733687; no separate number displayed |
| Florida | Mortgage Broker License | MBR7928 |
| Idaho | Mortgage Broker/Lender License | MBL-2081733687 |
| Texas – SML | Mortgage Company License | NMLS 1733687; no separate number displayed |
| Utah – DRE | Mortgage Entity License | 11528423 |
| Washington | Consumer Loan Company License | CL-1733687 |
Company record reviewed in NMLS Consumer Access on October 27, 2026. At that review, each listed authorization was shown as approved and authorized to conduct business, renewed through 2026. Licensing status can change; use NMLS Consumer Access for current information.
Company location
7985 South 700 East, Suite 100
Sandy, UT 84070
Registered company telephone: (801) 999-8288
Toll-free: (844) 664-3745
Arizona branch
Phoenix, Arizona · Branch NMLS #2571931
Arizona Mortgage Broker Branch License #MB-BR-1051347
View the branch in NMLS Consumer Access
Consumer information
Mortgage Disclosures
This website provides general mortgage information. It is not a commitment to lend, a loan approval, or a personalized rate quote. Loan availability and terms depend on the product, property, location, credit, income, and other underwriting requirements. Not every applicant qualifies for every program.
Rates, costs, and payments
A loan’s interest rate and annual percentage rate (APR) are different measures. APR reflects interest and certain other borrowing costs. Request a written, personalized quote and review the applicable disclosures when comparing offers.
For a fully amortizing fixed-rate loan, the scheduled principal-and-interest payment generally remains the same. The total amount you pay may change because of property taxes, homeowners insurance, mortgage insurance, or other charges. Adjustable-rate loans and temporary payment arrangements may change under their terms.
Program qualifications
Government-backed programs have eligibility requirements and may include mortgage insurance, guarantee fees, funding fees, closing costs, and other charges. A low or zero down payment does not mean there are no other costs.
First Rate Home Loans, LLC is not affiliated with or acting on behalf of FHA, VA, USDA, or the federal government. Government backing of a loan does not mean the government endorses this company.
Calculators and examples
Any calculator result or hypothetical example is an estimate for educational purposes, not an approval, offer, or guarantee. Review which costs are included. Taxes, insurance, mortgage insurance, HOA dues, fees, and actual loan terms can materially affect your costs.
Licensing and assistance
View company licensing and NMLS Consumer Access · Contact our team
Texas Consumer Complaint Notice
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.
Complaint information and forms
Source: Texas SML prescribed website notice — 7 TAC §56.200(c). Notice source last updated December 6, 2024; reviewed October 27, 2026.
Accessibility Assistance
First Rate Home Loans, LLC is working to make its website and services accessible to people with disabilities. We welcome feedback about barriers you encounter and requests for assistance.
Request assistance or report a barrier
Email info@firstratehomeloans.com or call (801) 441-2350. Please identify the page or service, describe the difficulty, and tell us how best to contact you. Please do not include sensitive financial information in your message.
If you cannot access information or complete a step online, contact us to discuss an accessible way to obtain information or assistance. Accessibility work is ongoing, including review of navigation, text, images, forms, and video content.
External application services
Some application links open third-party services. If you encounter an accessibility barrier during an application, contact our team for assistance.