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  • FHA & VA Loans Starting at 580+ Credit.
  • Conventional Loans Starting at 500+ Credit.
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First Time Home Loans in Pensacola, FL

Welcome to the official site of Rapid Rate Mortgage. We are a full-service mortgage company based in Pensacola, FL. We specialize in First Time Home Loans in Pensacola, Pace, Milton, Cantonment, and throughout Florida. We also serve the surrounding cities in Escambia County and Santa Rosa County. Whether you are buying a home or refinancing in any of these zip codes: 32501, 32502, 32503, 32504, 32505, 32514, 32533, 32526, 32570, 32571, and 32583. We can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | Jumbo | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | Jumbo

What makes Rapid Rate Mortgage unique is that we offer the following niche programs as well: down payment assistance, zero down loan, and low credit mortgage.

Contact Rapid Rate Mortgage today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

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Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Find Loan Products We Offer

No matter what type of loan you need, we're with you every step of the way. Let us find you the perfect loan to go with it.

Purchase a Home


Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

Refinance your Home


We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!.

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.


Average Loan Approval Period


Customer Satisfaction Rate


Average Loan Approval Period

Have any question about us?

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