Programs - Purchases & Refinances

What 1st Choice Mortgage Services offers our clients:

• Personal Service - We are always available to answer you questions and we cater to your needs.

• Over 15 years of combined experience in the Mortgage Industry.

• Every client is important to us. We work hard to help with each individual's needs.

• We work very fast to get your loan closed in record time.

• We have access to hundreds of Lenders to acquire the program that gives the maximum benefits to the consumer.

• We save you thousands of dollars because we have much less overhead than the banks & competing mortgage brokers and we pass the savings on to our clients.

• We are not happy unless our clients are happy!
   

 Here are some of the highlights of the programs we offer:

• First-Time Homebuyer Programs - including "Home Opportunity" & "My Community" programs

• ]MTA , Cashflow, Pick-a-Payment Rates as low as 1%

• Low Doc & No Doc Loans Available

• Self-Employed Borrowers are OK

• Relocation & Bridge Loans Available

• Up to 125% Financing

• New Construction Loans Construction-to-Perm up to 95% LTV - will use the value of the lot as part of the down payment money.

• 40 Year Term Mortgages

• FHA, VA Reverse Mortgages

• Fixed, Arms, Interest Only, & No MI

• Low Credit Scores OK

• Lates on Mortgage OK

• 100% on Investment Properties

• Commercial - Existing & Construction Loans

• Private VOR's are OK

• Lot & Land Loans

• Non-Occupying Co-Borrowers are accepted

• Non-Warrantable Condos

• No Seasoning of Funds & No reserves are required on Some Programs

•  Up to 95% on Second Homes