About Us
At 1st Rate, we have three principles that guide us in everything we do:
1. We work with our clients' best interests in mind.
Many financial and credit consultants and planners recommend services to their clients based on how much money it will earn for the planner, not necessarily what will help the client become financially independent and secure. Our clients come to us and trust us with their finances, and we always honor the trust they place in us by making unbiased, honest recommendations.
2. We look at the big picture.
There are hundreds of companies offering various financial services, but how do you know which ones are right for your situation or where you should start? 1st Rate looks at all of your finances so we can advise you on what you need to do, and in what order. Financial management is complex: there is income variations, managing expenses, budgeting, saving money, repairing credit, settling debt, creditor legal action, paying off debt, building credit, and much more. We suggest only those programs that will give you a lasting benefit, and only those that you can afford and be successful in completing.
3. We are in it for the long haul.
We believe in helping our clients to fix their past mistakes and get out of any current financial problems. However, we also champion overall financial education, debt reduction and wealth building programs so that they will have a secure and prosperous future. Our goal is that by the time our clients have finished using our services, they will have the knowledge and tools to never get into financial difficulty again.
1st Rate’s president, Stephen Leifer, is a certified credit consultant and member of the Certified Credit Consultants Association (CCCA). He has helped hundreds of Americans just like you leave their money problems behind and become financially healthy and secure. He has appeared online, on radio, and has written magazine articles teaching consumers how to utilize consumer credit laws to successfully restore their credit, get the best rates on mortgages, and save money. He has also lectured to real estate agents and mortgage brokers about how to advise their clients on financial issues.
1st Rate abides by the highest ethical standards. We are members of the Better Business Bureau, and have never had a complaint. We are also Affiliate members of the Florida Association of Mortgage Brokers (FAMB).
