Noel Kelman

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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

Noel Kelman is by far the best at what she does. Noel was very helpful with the process of buying my home. She made a very stressful home buying process less stressful and rewarding. She is informing, understanding and works with the client to best suit there needs. I highly recommend her. She is very professional and is very good at what she does. Thank you so much.

Humberto P.

I have had the pleasure of working with Noel Kelman for more than 10 years, with financing, refinancing, and being informed through her newsletter of changes in the financial market. She is courteous, professional, up beat, and always willing to find solutions. I recommend Noel to my friends who are looking for a mortgage broker who knows the ropes.

Astrid V.

Noel.... it's the a bar to raised Noel is the bar. Very glad to have had her in our team while going through this home buying experience. Having people like her on our side makes it easier she would go out of way to answer any questions we had at any time, love her.

Adolfo V.

The Latest News

November 21, 2025

Understanding the Conversation Around Longer Mortgage Terms

The idea of extending mortgage terms well beyond the traditional thirty years is gaining new attention. With rising home prices and tightened affordability, many buyers are wondering whether a much longer loan could help lower the monthly payment enough to make homeownership more achievable. Before deciding if this type of option makes sense, it is important to look at why the concept is being discussed and what it could mean for buyers in the real world.

November 20, 2025

A Season of Generosity and Homeownership Opportunities

The time between Thanksgiving and the New Year is known for gratitude, togetherness and heartfelt giving. Many families share meaningful gifts during this stretch of the year, and some buyers discover that these seasonal acts of generosity can help make homeownership possible. If you have found the right home but need help with upfront costs, financial gifts from loved ones may be the support that brings your plans together.

November 19, 2025

Understanding How Debt Affects Your Ability to Buy a Home

Many future buyers think they must eliminate every debt before applying for a mortgage. Reducing debt is helpful, but it is not a requirement for homeownership. You can qualify for a loan even if you have credit cards, student loans or a car payment. What matters most is how well you manage those obligations and how they fit into your overall financial picture.

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