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Low Rates. No Hassle.

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Don't have enough money for a down payment?

We Can HELP with

Down Payment Assistance Programs!

Ready to complete your application online? No problem!


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Get Approved with us through one of our many Loan Programs and buy the home of your dreams. Let us answer all of your questions and help you the best way know how.

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Looking to consolidate debt? Lower your payment or rate? Remove Mortgage Insurance? Cash out and buy another home? Look no further. We have programs for every situation.

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Find out how much you can afford with our mortgage calculators. Calculate monthly payment, difference between renting and a mortgage, debt to income ratio, tax savings, and more. 

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We are...Ur#1LocalLender

Marcia Frater
Loan Officer | NMLS#: 247105

Hi there, The Frater Team is your Local Mortgage Expert to get you the home loan you need. We have been able to help our Clients get what they want no matter the market challenges and the industry restrictions. Our "Can Do" Attitude comes from many years of being a top producing loan Origination team in the Inland Empire. 

Our listening skills, creative problem solving and forward thinking gives us the edge to get approvals when others couldn't. You can count on us because of our courageous, direct and trustworthy approach to business. Like other Lenders we can say the usual "we close on time, "we are a direct lender" etc. however, that is what's expected in the Lending business right? The difference is in how it all gets done... We do not give up and we do not take a Loan on, unless we know it will work. 

We maintain constant communication with you, via email text and phone and YES - "in person" when you need us and as often as you need us to do so. You can trust us to guide you through Financing Process and to present the financing Options to help you meet you goal of Home Ownership, Whether you need help with a 100% Down Payment Assistance program or a Jumbo loan. 

With strong work ethics and passion you can trust us to keep the promises we make.

Also, Ur1LocalLender have programs for every home refinancing in California.


Your Strategic Partner

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My clients are my number one priority, and my services prove just how committed I am to their success. Book an introductory meeting today to learn more about how I can make your business thrive.


My services are customized to meet the specific needs of each client. I work collaboratively throughout the entire process and guarantee measurable results. Contact me to find out how I can help today.


The constant communication with me, made me feel like I wasn’t in this alone, like they were with me every step of the way.

Winifred R.

Marcia kept me informed on the different loans that I qualified for when buying the house. She will always call me with a personal touch and took her time on explaining so I could understand. I want to say thank you and she made my journey pleasant. 😇

Sharon S.

I have worked with Marcia in the past and would follow here wherever she goes. She is consistent, honest, and trustworthy! She keeps in constant communication and answers any and all questions that come up. I have and will keep referring people her way!!


Don't let her go, she is a gem!!

Lisa R.

I really appreciate Marcia and Alejandra's help and getting me my first home. It was a roller coaster ride getting to that process of being a home buyer but they made sure that I was on top of everything and was very patient throughout. Thank you again girls!!

Rachel S.

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