Business Details
Your Trusted Mortgage Broker in Connecticut and Florida
First Choice Mortgage is a privately-owned, full-service mortgage brokerage dedicated to providing tailored home financing solutions. Our success stems from combining competitive rates with exceptional client service, prioritizing honesty and integrity in every transaction. With expertise in Conventional, FHA, VA, Investor, and Jumbo loan programs, we serve first-time buyers, veterans, and investors across residential property types. Our streamlined application process and in-house underwriting ensure timely closings without unnecessary complexity. We maintain active licensing in Connecticut, Florida, New Hampshire, and Vermont while adhering to strict regulatory standards.Our team of experienced loan officers delivers personalized guidance through every stage of the mortgage journey. By focusing on transparent communication and financial education, we empower clients to make informed decisions about their most significant asset. Our commitment to continuous improvement drives us to refine processes that reduce stress and increase accessibility in homeownership. Operating as a non-lender broker model allows us to maintain objectivity in matching clients with optimal financing solutions. This approach has established us as a trusted partner for mortgage needs across multiple states.
Services
FHA Home Loans
VA Home Loans
Conventional Mortgages
Jumbo Loans
Investor Financing
Refinancing Services
Adjustable Rate Mortgages
Fixed Rate Mortgages
Cash-Out Refinancing
Debt Consolidation Mortgages
Highlights and features
- We maintain active mortgage broker licenses in four states with NMLS verification
- Our in-house underwriting expedites loan approval processes
- Specialized programs for first-time homebuyers and military veterans
- Experienced team with combined decades in mortgage finance
- Transparent fee structures with no hidden closing costs
What people say
Fantastic job
Professional and friendly
Secured great rate
Stress-free process
Always available
Services
FHA Home Loans
FHA home loans provide accessible financing options with low down payment requirements. These government-backed mortgages benefit first-time buyers through flexible credit standards and competitive rates. Our specialists guide clients through qualification criteria and documentation requirements to secure approved FHA financing for primary residences.
VA Home Loans
VA loans offer exclusive benefits for military service members and veterans with zero down payment options. We facilitate VA-approved financing for primary residences while navigating specific eligibility requirements. Our team ensures veterans maximize their entitlements through competitive rate structures and specialized underwriting processes.
Refinancing Services
Mortgage refinancing helps homeowners reduce monthly payments or access equity. We analyze current loan terms against market rates to determine refinancing viability. Our process includes cash-out options, rate reduction assessments, and term adjustments to meet individual financial objectives.
Conventional Mortgages
Conventional mortgage programs serve borrowers with strong credit profiles seeking standard financing. We offer fixed and adjustable rate options with flexible term lengths. Our brokers compare multiple lender products to secure optimal conventional loan structures for primary residences and investment properties.
Investor Financing
Investor mortgage solutions cater to real estate investors acquiring rental properties. We provide tailored financing options with appropriate debt-to-income ratio considerations. Our specialists evaluate portfolio strategies to support investment growth through competitive loan programs and favorable terms.
People
Terry Blake
Owner
As founder, Terry Blake established First Choice Mortgage's commitment to transparent mortgage solutions. With extensive industry experience, he oversees strategic operations while maintaining active involvement in client transactions across multiple states.
Shawn Blake
Senior Loan Officer
Shawn Blake specializes in guiding clients through complex mortgage processes. His expertise in VA and FHA programs has earned recognition for exceptional service. He maintains direct communication with borrowers to ensure smooth transactions from application to closing.
Gary Root
Senior Loan Officer
Gary Root brings decades of mortgage experience to client consultations. He focuses on matching borrowers with appropriate loan programs while explaining financial implications clearly. His veteran status informs specialized support for military homebuyers.
Marilee Root
Loan Officer
Marilee Root assists clients with purchase and refinance transactions. She emphasizes financial education to help borrowers understand long-term mortgage commitments. Her approach combines thorough documentation review with personalized client support throughout the loan process.
Eileen M. Jowett
Loan Officer
Eileen Jowett specializes in first-time homebuyer programs and down payment assistance options. She navigates complex qualification requirements to make homeownership accessible. Her client-focused approach prioritizes clear communication and timely responses during mortgage transactions.
Questions
What mortgage programs do you offer?
We provide FHA, VA, Conventional, Jumbo, and investment property loans with competitive rates. Our brokers help determine which program best fits your financial situation and homeownership goals.
Are you licensed in my state?
We maintain active licenses in Connecticut, Florida, New Hampshire, and Vermont. Verify our credentials through the NMLS Consumer Access website using identification number 70986.
How does mortgage refinancing work?
Refinancing replaces your current mortgage with a new loan offering better terms. We analyze your existing loan against current rates to determine potential savings through lower payments or cash-out equity access.
What's required for mortgage approval?
Lenders evaluate credit history, debt-to-income ratio, employment verification, and asset documentation. We provide pre-qualification assessments to clarify your borrowing capacity before house hunting.
Can first-time buyers qualify for assistance?
Yes, we specialize in first-time homebuyer programs with down payment assistance options. Our counselors explain eligibility requirements and help prepare necessary documentation for these specialized loan products.
How long does the mortgage process take?
Typical loan processing takes 30-45 days with our streamlined underwriting. Timelines depend on documentation completeness, property appraisal results, and specific loan program requirements.
