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Congratulations! You’re ready to take the next step towards purchasing or refinancing your home.

First Rate Mortgage is a division of Delmar Mortgage which was founded in 1966.  We serve as trusted mortgage advisors who are committed to the success of our employees and our customers. We seek to understand individual needs while simplifying a complicated and ever-changing process, partnering with key stakeholders and, ultimately, building better communities.

First Rate Mortgage is a full-service mortgage company helping new and experienced buyers fund their dream homes. We offer a wide range of mortgage products that allow us to fit the best loan to the specific needs of each client. Our products range from conventional, jumbo, FHA, VA and more.

The Home Purchase and Refinance Process

  • Here’s how our home loan process works:
  • Complete our online application (link to application)
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs
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