Unlock Your American Dream: Your First Home Awaits!

Guiding First-Time Buyers Through Every Step — Fast Approvals, Clear Advice, Zero Surprises.

Why First-Time Buyers Love True Rate

Supercharged Pre-Approvals
Get fully-underwritten in as little as 24 hours, so you can bid with confidence.
Zero Guesswork on Costs
We break down every dollar—no hidden fees, no last-minute surprises.
Family & Gift Funds Made Easy
We’ll handle gift letters and gift-fund compliance so you can focus on house-hunting.
Tailored Programs for Every Budget
FHA, VA, USDA and no-down-payment options—find the loan that fits your life.
White-Glove Guidance
From credit score tips to escrow walkthroughs, Tim is by your side until keys in hand.

“Tim turned what felt like an impossible dream into reality—our first home is ours, AND our closing costs were lower than expected!”
– Sarah & Marcus H.
“I was nervous about my credit; Tim’s tips bumped me up 30 points in weeks. Closing day was the happiest day of my life!”
– Jenna P.
“Fast. Friendly. Transparent. I told everyone: ‘Call Tim Rhey if you want the best rate and zero headaches.’”
– Carlos M.