Refinance rates are lower than you think

Buy a New Home.

NewRate Lending takes the mystery out of buying a new home

Buy a new Home

Buy Your First Home

Our Home Loan Experts listen to your unique situation and guide you to the best decision

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  • Lower Fees
  • Customer Satisfaction
  • All-American Lender
  • We donate
  • Right Mortgage
  • Find a Real Estate Agent

Hassle-Free Home Buying – The NewRate Lending Way!

  • Get pre-approved before you shop for your home – it’s free and and you get more bargaining power.
  • We can help you find a real estate agent through our vast Realtor network.
  • Our select mortgage programs allow you to buy a home with as little as 3.5% down, and your down payment can be a gift from a relative or non-profit organization.

Why Should You Choose NewRate Lending?

  • We offer Lower Rates.
  • We’re all about Customer Satisfaction and Integrity.
  • We can put you into a Mortgage that’s right for you.
  • We’re your All-American Lender.
  • We donate to Wounded Warrior Project for every Mortgage Loan we make.

First-Time Home Buyer Loans

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

FHA Loans

  • Purchase your home with only 3.5% down. Closing costs can be a gift from a relative.

VA Loans

  • A top choice for veterans and active military. No down payment, no PMI and flexible credit requirements.

30-Year Loans

  • NewRateSM Lending’s most popular mortgage. Get a low payment and know your rate won’t change.

15-Year Loans

  • Get a very low rate and know your home will be paid off in 15 years!

Jumbo Loans

  • From $417,000 to $4,000,000 with lower rates than you’d expect.

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”.

Buy Your

Next Home

Finding a new home will be seamless with our simple online tools and proactive updates.

Let's start!

NewRate Lending’s Pre-approval – a Key Ingredient to Home Buying Leverage.

  • NewRate Lending’s pre-approval will give you additional leverage when buying your new home.
  • We can help match you with a trusted real estate agent in your area at no cost.
  • We’re transparent and will guide you to the best mortgage loan options to meet your needs. Find out if you qualify! Call 949.732.0624 today and let us go to work for you!

Why Choose NewRate Lending? More than just Low Rates!

  • We’re all about Customer Satisfaction and Integrity.
  • We can put you into a Mortgage that’s right for you.
  • We’re your All-American Lender.
  • We donate to Wounded Warrior Project for every Mortgage Loan we make.

Loan Options – our Most Popular Loan Programs

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

FHA Loans

  • Purchase your home with only 3.5% down. Closing costs can be a gift from a relative.

VA Loans

  • For veterans and active military. No down payment, no PMI and flexible credit requirements and incredible rates!

30-Year Loans

  • NewRateSM Lending’s most popular mortgage. Get a low payment and know your rate won’t change.

15-Year Loans

  • Get a very low rate and know your home will be paid off in 15 years!

Jumbo Loans

  • From $417,000 to $4,000,000 with lower rates than you’d expect.

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”.

Home Purchase Calculators

Mortgage Payment Calculator

NewRate’s interactive home purchase calculator will help you make your decision about which home loan fits your needs best.

Try the Calculator Now