The perfect home loan for you
We are passionate about creating a better loan process, serving happy clients, and building a foundation for financial success. This allows us to provide our clients with competitive rates, tailored financing solutions, and an efficient loan process focused on communication.
FHA
Insured by the Federal Housing Administration an FHA can have less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing.
VA
Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan. Contact us and we can check your VA Eligibility in only a few minutes.
Fixed Rate Mortgage
Find stability with a traditional fixed loan option. Interest Rate and monthly payments remain the same for the entire term of the loan. Which can protect you against rising interest rates.
Cash Out Refinance
You may be able to pay off higher-interest debts by refinancing to a competitive rate. Even with less-than-perfect credit, we may be able to lower your monthly payments and provide you with a plan.
Refinance
Mortgage refinancing may lower your monthly payments, which can add up to significant savings. Contact us for a custom loan presentation to see if a refinance may be right for your situation.
Jumbo
With a jumbo mortgage, you’ll get great rates for your big loan. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for financing large loan amounts.
Family 1st Home Loans was new to us.we wish to related to Shawn before. Professional,fast easy and clean process. Would recommend it anytime. Thanks Shawn
- Jose GuerraShawn was great! Awesome experience…painless….. transparent, and highly recommended! Thanks again for a great experience on the refinance.
- Rodino JonesI consider Shawn a mortgage industry trusted advisor. He had all the answers and knew the process to a tee. He made things extremely simple. Would definitely work with Shawn again!
- Lu ReeceSimply Outstanding!” Would summarize a critique of my mortgage refinance with Family 1st Home Loans. Working with Shawn was refreshing, he is truly a consummate professional. He made the process seem effortless for me. I would most definitely recommend any homeowner considering refinance, to give Family 1st a call. You won’t regret it!
- George Small
“
I recently refinanced my home with Shawn at Family 1st and he was amazing! Before calling Shawn I spoke to about 10 other brokers and was frustrated with misinformation. Shawn was extremely patient and knowledgeable about the different types of loans and the loan process. He was upfront and honest, he answered all my questions and made the whole process really simple. I would absolutely recommend him to anyone!
- Leslie KingOur philosophy
A Mortgage Company Built on Principle
We want you to be able to clearly see for yourself who we are and what we stand for. We know that actions speak louder than words. As a potential client, we have a deep respect for you and your ability to make the right choices when given accurate and complete information.
Have some questions?
How much down payment will I need?
A 20% down payment is every lender’s ideal, but you have choices here, too. Qualified buyers can find mortgages with as little as 3% down, or even no down payment. Again, there are considerations for every down payment option. Family 1st Home Loans will take the time to walk you through the choices.
Do You Guarantee On-Time Closings?
A big issue is closing your transaction on time. Your purchase contract will contain a date to close escrow, but that date is generally subject to the lender’s ability to close on time. At Family 1st Home Loans, we do our very best to close on time.
How Much Time Do You Need to Fund?
Average loan processing time periods fall between 21 and 45 days. To properly write a purchase contract, you need to include a closing date, and that date will be coordinated with Family 1st Home Loans.
What Is the Interest Rate and Annual Percentage Rate?
The annual percentage rate (APR) is derived by a complex calculation that includes the interest rate and all the other related lender fees divided by the loan’s term.
10 Tips for New Homebuyers
It is a great time to buy for many would-be homeowners. The market offers historically low interest rates, as well as affordable home prices.
Here are 10 steps that buyers can take to make home dreams a reality.
