TOMMY ARENA AND LARRY BRAND ARE THE OWNERS OF FIRST RATE CAPITAL. THEY ARE THEIVES AND SHOULD BE SHUT DOWN. WHEN A LOAN OFFICER CLOSES A DEAL, THEY DONT LIKE TO PAY THEM BECAUSE TOMMY IS A GREEDY LITTLE MAN AND LARRY IS AFRAID OF TOMMY. I DONT UNDERSTAND HOW THEY HAVE GOTTEN AWAY WITH THIS FOR SO LONG. I WOULDNT RECCOMEND THIS COMPANY TO ANYONE. THIS IS A VERY SHADY COMPANY AND I HAVE HEARD THAT THEY DO SHADY DEALS. PLEASE DONT PUT YOUR LOANS HERE IF YOU WANT TO BE PAID.