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About Noel

You’ve heard the horror stories…how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I’ve got great news…

I’m here to solve that for you. Go ahead and download my cheat sheet and I’ll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.

When you’re ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that’s normally associated with it.

It’s easy to reach me – feel free to call me direct or if you prefer you can email me. Either way I’m here to make the experience of getting a mortgage a good one for you.

Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

What My Clients Say

The Latest News

July 8, 2025
How to Finance Energy-Efficient Home Improvements with a Mortgage
As more homeowners look for ways to reduce utility bills and make their homes environmentally friendly, energy-efficient improvements have become a smart investment. The good news is that you do not need to pay out of pocket for all the upgrades at once. There are mortgage financing options that allow you to make energy-efficient improvements while also making your home more comfortable and affordable in the long run.
July 7, 2025
What’s Ahead For Mortgage Rates This Week – July 7th, 2025
With next week featuring both the CPI and PPI reports, the release schedule for this upcoming week will be extremely light. This previous week featured a small number of notable data releases. First being the trade deficit which has shown a sharp decline due to the tariff policies, but has increased again with the pause on tariffs. The manufacturing sector has seen growth as well with the PMI Manufacturing data, but inflation also proves to have grown just as much. Lastly, employment numbers have shown a stronger than expected labor market, but there are still expectations that things will cool further.
July 4, 2025
Reflecting on the Meaning of Independence Day
As Americans prepare to celebrate the Fourth of July, it is important to reflect on the core values that define our nation: freedom, opportunity, and the pursuit of a better life. These same ideals continue to inspire individuals and families across the country to pursue homeownership, which remains a foundational part of financial independence and long-term security.

Noel Kelman

First Rate Financial Group
3027 Townsgate Road, Suite 110
Westlake Village, CA 91361