First Choice Mortgage

About First Choice Mortgage

First Choice Mortgage has been Augusta's trusted local lender and broker since 1992. As an independent entity, they offer a comprehensive suite of loan programs, including VA, FHA, Conventional, USDA, and Jumbo loans, ensuring clients receive the most suitable option for their unique financial situations rather than being limited to a single bank's offerings. Their mission is to provide personalized mortgage solutions with a strong emphasis on customer service and local expertise. With over 30 years of experience serving the Central Savannah River Area (CSRA), First Choice Mortgage leverages its deep understanding of the local market and its extensive network of banks and lenders to benefit its clients.

Why Choose First Choice Mortgage

First Choice Mortgage distinguishes itself through its commitment to local service and personalized attention. Unlike online lenders that may prioritize speed, First Choice Mortgage offers certainty by providing direct access to experienced loan officers who are intimately familiar with the Augusta and CSRA markets. Their established relationships with underwriters, appraisers, and agents facilitate smoother transactions. They are licensed in Georgia and South Carolina and hold an NMLS# 148371. Their dedication to serving the community is further evidenced by their strong Google reviews and their focus on providing tailored solutions for veterans, first-time homebuyers, and homeowners.

Mortgage Solutions Offered

First Choice Mortgage provides a wide array of loan programs designed to meet diverse borrower needs. These include VA loans with $0 down payment for veterans and active-duty military, FHA loans for first-time homebuyers with down payments as low as 3.5%, and Conventional loans with competitive rates. They also offer Jumbo loans for higher-value properties, Non-QM loans for self-employed individuals or those with non-traditional income, and USDA loans for eligible rural properties with no down payment. Refinance and cash-out options are available to help homeowners manage equity and reduce costs. They serve clients across Georgia and South Carolina, with specific expertise in areas like Fort Gordon.

Local Expertise and Differentiators

First Choice Mortgage stands out with its deep local roots and personalized approach. They have been serving the CSRA for over 30 years, providing a level of local market knowledge that larger, non-local institutions cannot match. Their status as an independent lender and broker grants them access to a broad spectrum of loan programs from multiple banks, allowing for optimal borrower-lender matching. Clients benefit from direct cell-phone access to their loan officers and local underwriting relationships, minimizing surprises. They are particularly noted for their expertise in VA and USDA programs tailored to Georgia and South Carolina residents.