Relax, and let us get you a better deal

Certified Mortgage Expert in Refinance and Purchases


Call Us Today!

James Frazier: 925-596-3177
Noel Frazier: 925-858-6673

Opening Time

7 Days Per Week 8am - 7pm

James Frazier

Frazier Mortgage Team

loan originator, broker

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.


Phone: (925) 596-3177


NMLS#: 232428

Company: Impact Home Loans dba EasyLowRate

Company NMLS#: 1849746

Why is Easy Low Rate / Frazier Mortgage the best place to start when considering purchasing a home or refinancing a mortgage?

Why Impact Home Loans dba EasyLowRate
Why Impact Home Loans dba EasyLowRate
  • Low Rate Guarantee Program
    If we are not able to beat any lenders rate, we'll match it and give you an additional $500 toward your closing cost.

  • Interest Rate Protection Program
    If we finance your mortgage and rates drop lower after 6 months we will refinance you into the lower rate at no cost.
  • Interest Rate Protection Program
    If we finance your mortgage and rates drop lower after 6 months we will refinance you into the lower rate at no cost.
  • Pre-Approval Purchase Program
    If we issue a pre-approval and your loan fails to qualify for financing we will give you $1,000 to offset yor cost
  • Technology: We put the borrower in control and increase efficiencies through our advanced technology systems. This synergy supports our efforts eliminate typical industry costs.
  • Choices: With over 75 lenders on our Team with the lowest margins in the market, we are in position to offer great rates. Ask for a free quote without obligation and see for yourself.

Why so many lenders?

The mortgage industry is based on risk analysis science to develop rates and other fees.
Not all lenders are equal in risk acceptance and some are advantaged or restricted by RESPA, resulting in increased overhead and inefficiencies.

Our working relationship with more than 35 trusted lenders allows Impact Home Loans dba EasyLowRate to
match the borrower with a lender that views their qualifications as a fit for their loan
policies, giving the borrower the low rate at reasonable low cost they can get in the
mortgage loan industry.

Our multiple lenders also allow us to offer all types of loans (FHA, VA, USDA, REVERSES, ARMS, CONSTRUCTION, and more) that best fit the borrower’s needs.

The purchase of a home should start with the mortgage application

With a lender approved loan ready to close. Then the borrowers are now buyers with money backing their offer and they have the ability to close quickly.

We refer our lender approved borrowers to our team of realtors. These realtors deeply discount their commissions for our borrowers, because they know the borrowers/buyers are prepared to complete the purchase transaction. Our realtors use their discount to achieve a rebate to the borrowers/buyers to cover closing costs or other RESPA approved benefiical purposes.

Email or call me at (925) 596-3177 to get a formal agreement from me to track your earnings when we send you checks.