Phone: 951-699-9466
  • No matter what type of loan you need, we're with you every step of the way.

    No matter what type of loan you need, we're with you every step of the way.

  • The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

  • Let us be the stepping stone to the home of your dreams.

    Let us be the stepping stone to the home of your dreams.

  • REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.


See if you qualify for a new mortgage before you apply. Fill out this quick and secure form to Pre-Qualify


Fill out this quick and secure form and one of our consultants will contact you shortly.


Access to online forms such as the 1003 PDF Application and the Borrower Authorization Form.

Hello and thank you for visiting our website.
I am David Akiba, the owner and president of Best Rate Finance and Realty, Inc.  I founded this company in 1995. We are a direct mortgage lender, and we can also do real estate transactions for clients who are not our borrowers.  Best Rate Finance and Real Estate, Inc. is a full service mortgage and real estate company.

We are a direct lender for mortgage loans.  I have vast experience as a direct endorsement underwriter, pipeline manager, loan processor and funder.  As a loan originator, that experience is extremely valuable as I am often able to find the best fit for my borrowers who are seeking a mortgage.  We have many mortgage programs available and our website highlights why each one may be a perfect fit for you.

I also am a real estate broker and when our clients have real estate needs, we are able to help them with the property.  Whether it be listing their home (i.e. helping to cross qualify potential buyers to eliminate possible delays in closing, etc...) or helping them search for a home (i.e. providing automated underwriting approvals, commitment letters, letting my clients' know what they can qualify for, etc...), my mortgage knowledge comes in handy when we represent clients in real estate.

For those of you in the industry, check out our Consultant Program, which helps keep our consultants "in the loop".  Our consultants are informed of where the loan is at each stage.


"I can't believe you were able to close our FHA Streamline refinance in 2 weeks. Awesome job, David."  Dina A.

"The consult program is fantastic!  So often, we realtors give the loan to a lender and  we lose touch with our client and where their loan is in process, often having to extend their scheduled close date.   This consultant program changes all that in that Best Rate Finance keeps us informed of everything that is happening with our client's loan.  My real estate business has been so much better because of the consultant program.  Jose N.

"My wife and I were turned down by two other lenders before we met you.  You were able to get a good rate, the cash out we needed, all while advising us on how to improve our credit.  Your knowledge of this industry is fantastic as you walked us through it all".   Jon G.

" David, thank you for refinancing our home and getting us this low rate. With our credit, and little equity, I thought it wouldn't be possible to reduce our payment. But, you showed us how it could work. Our new fixed payment is fantastic. Great job!"     Jim S.

"Wow, you helped me with a purchase loan using my assets to qualify, not my income.  Thank you so much David.    Tony A.

"As a self-employed borrower, I was told  by others that I would not be able to qualify for a loan because of all my business expenses.  You were able to show me how I could qualify for the loan I needed.  Everything went so smoothly.  Thanks so much David."     Lauren L.

" I own a couple investment properties and Best Rate Finance was able to help me get financing for another investment property based on my rentals, not the income on my tax return.  Thank you for helping me in my business." Larry L.

"My husband and I are retired and were having a tough time making our mortgage payment.  You were able to explain the reverse mortgage to our kids and us really well and we all agreed it was something that would improve all of our lives.  Thank you David not just for the loan, but for helping make my family's life easier.    Lisa K.

" We were so lucky to have a real estate agent who understood the loan process.  Thank you for helping us find the perfect home and making sure another lender would be able to qualify us for the mortgage.  The process went really well. There are so many real estate agents out there, and many of them cannot answer every question,
nor provide information about things that we had no idea about when purchasing our first home. Your dedication and knowledge sets you apart. Thanks again, David."
Michael N.


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