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 10, 2026

Why a Property Line Encroachment Can Affect Your Mortgage Approval

A backyard fence, detached shed, or concrete patio may seem like a straightforward feature of a home. But what happens when part of that structure crosses the legal property line? Buyers sometimes discover this issue during the title or survey review, just as they are preparing to close. Known as an encroachment, it can raise questions that go beyond neighborly disagreements and may affect the mortgage process.

November 9, 2026

What’s Ahead For Mortgage Rates This Week – November 9th, 2026

With a relatively light week for economic releases, the primary focus of the economic landscape is the nonfarm payroll report, which has shown a positive trend over the last few releases. This should help consumers keep up with current inflation levels, although the Federal Reserve has remained firm in its commitment to reaching its 2% inflation target.

November 6, 2026

Can a Home With an Aging Roof Still Qualify for a Mortgage?

A home with an older roof may be priced attractively, located in the perfect neighborhood, and otherwise meet everything on a buyer's wish list. But roof condition can become an important question during mortgage approval. The issue is not simply how many birthdays the roof has had. Lenders and appraisers may be concerned about whether it protects the home adequately and whether visible defects create a property-condition problem.

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