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Home loan financing with First Choice means a mortgage that closes on time without the hassle

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Get pre-qualified for your new home loan today

No hassle, no pressure

Our mortgage consultants are focused on helping you achieve your financial goals. There’s never any obligation, just simple conversations around ways you can save.

Custom loan programs with competitive rates

Trust us for the lowest rates, best service, and stress-free closings.

In-house underwriting and decision making

Direct communications and greater flexibility allow for faster clear to close turnaround times.

Learn more about the options we have for you.

Adjustable Rate Mortgage: (ARM)

This type of home loan features an interest rate that changes after a fixed amount of time.

VA Home Loans

Enjoy exclusive military benefits with a VA loan. If you are a veteran or an active-duty service member, a VA loan offers less restrictive credit guidelines and NO down payment.

Fixed Rate Mortgage

A fully amortizing mortgage loan where the interest rate and payment remain the same through the life of the loan. Terms from 15-30 years.

FHA Home Loans

Make your home ownership dreams come true with an FHA loan. Featuring flexible credit restrictions and down payment options as low as 3.5%, an FHA loan is a popular type of loan for first-time home buyers.

Common questions when applying for a mortgage

  • What do you need to be approved for a mortgage?

    Before completing a mortgage application or even strolling through an open house, you'll want to know these things: Your monthly income. The sum of your total monthly debt payments (auto loans, student loans and credit card minimum payments) Your credit score and any credit issues in the past few years.

  • How long does money need to be in account for mortgage?

    Most lenders will request your bank statements (checking and savings) for the last two months when you apply for a mortgage to buy a home. The main reason is to verify you have the funds needed for a down payment and closing costs. The lender will also want to see that your assets have been sourced and seasoned.

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