Business Details
28 Years
experience
Your Trusted Mortgage Broker in Waukee, IA
Established in 1998 by Angela Swank (Frost), First Rate Mortgage has served Iowa homebuyers with integrity and personalized service. As a licensed mortgage broker, we prioritize client needs by leveraging relationships with multiple lenders to secure competitive rates. Our team focuses on transparent communication, ensuring clients understand all loan options while avoiding surprises during the closing process. With decades of combined experience, we specialize in guiding qualified buyers through complex mortgage decisions. Our commitment to ethical practices and customer education has earned us long-term relationships with realtors and repeat clients.We differentiate ourselves by offering one-on-one support, timely closings, and a holistic approach to mortgage solutions. Our reputation for honesty and expertise has made us a trusted partner in Iowa's real estate market. We actively listen to client needs, providing tailored recommendations that extend beyond rate comparisons. By maintaining direct partnerships with wholesale lenders, we pass cost savings directly to our clients. Our dedication to community values and professional excellence continues to drive our success in the mortgage industry.
Services
Mortgage Brokerage
Home Purchase Loans
Refinancing Services
Pre-Approval Consultation
Loan Program Guidance
Details
- Year established: 1998
Highlights and features
- We provide personalized one-on-one mortgage guidance
- We partner with multiple lenders to find best rates
- We guarantee on-time closings with no surprises
- Our team prioritizes client needs over commission incentives
- We offer competitive rates below traditional bank offerings
Associations and certifications
- NMLS Company #2667
- NMLS Individual #32402
What people say
Smooth transactions
Best rates available
Honest service
Quick response times
No closing surprises
Services
Mortgage Brokerage
We connect qualified buyers with competitive mortgage rates through multiple lender partnerships. Our brokerage specializes in personalized loan program comparisons and transparent rate negotiations. With direct access to wholesale lenders, we deliver cost-effective solutions tailored to individual financial situations.
Home Purchase Loans
Our team guides first-time and experienced buyers through mortgage options for primary residences. We analyze market conditions and client profiles to recommend optimal loan terms. Our process ensures timely closings with minimal documentation surprises.
Refinancing Services
We help homeowners reduce monthly payments through strategic refinancing solutions. Our analysis includes break-even points, interest rate trends, and equity positions. We streamline the refinance process while maintaining clear communication throughout.
Pre-Approval Consultation
Our pre-approval process evaluates creditworthiness and borrowing capacity before house hunting. We provide detailed pre-approvals that strengthen purchase offers while identifying potential underwriting issues early in the process.
Loan Program Guidance
We educate clients on conventional, FHA, and specialty loan programs. Our guidance includes long-term cost comparisons and eligibility requirements. We help clients select programs that align with their financial goals and homeownership timelines.
People
Angela Swank (Frost)
Founder
With over 25 years of mortgage industry experience, Angela established First Rate Mortgage in 1998. She specializes in ethical loan origination and has maintained a perfect closing record since 2005. Her client-first approach focuses on long-term financial relationships.
Questions
What mortgage services do you offer?
We provide purchase loans, refinancing options, pre-approvals, and specialized loan program guidance for Iowa homebuyers.
How do you find competitive rates?
Our multiple lender partnerships and direct wholesale access allow us to negotiate rates typically lower than traditional banks.
Do you work with first-time buyers?
Yes, we specialize in guiding first-time homebuyers through the mortgage process with personalized education and support.
What areas do you serve?
We operate throughout Iowa with a focus on Des Moines metro, West Des Moines, and Waukee areas.
How can I start the pre-approval process?
Apply online, call us at (515) 771-9998, or visit our Waukee office to begin with basic financial information.
