Business Details
Your Trusted Mortgage Partner for Home Loans
At First Mortgage and Loans, our mission is to set a high standard in the mortgage industry by prioritizing quality customer service and guiding clients through the home loan process with expertise. We are committed to helping clients confidently select the best mortgage for their needs, offering a wide range of loan options tailored to diverse financial situations. Our team works continuously to ensure clients achieve their homeownership dreams, striving to build lifelong relationships through personalized service and transparency.With deep expertise in residential lending, we provide skillful navigation of loan programs, ensuring each client receives a loan that aligns with their unique circumstances. We aim to be the first choice for future mortgage needs by consistently exceeding expectations and fostering trust through ethical practices and clear communication.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Loans
Construction Loans
Home Equity Loans
Reverse Mortgages
Doctors' Loans
Highlights and features
- We offer personalized mortgage guidance tailored to individual financial goals.
- Our team provides access to a wide range of loan programs for diverse needs.
- We prioritize transparent communication and ethical lending practices.
- Clients benefit from streamlined application and approval processes.
- We deliver exceptional customer service with a focus on long-term relationships.
What people say
Seamless process
Very professional
Excellent customer service
Highly recommend
Blessed to meet her
Services
Conventional Loans
Conventional loans offer flexible terms for borrowers with strong credit, featuring fixed or adjustable rates. Ideal for purchasing or refinancing primary residences, second homes, or investment properties. These loans provide competitive rates without government insurance, requiring private mortgage insurance for down payments under 20%.
FHA Loans
FHA loans provide accessible financing for first-time buyers and those with lower credit scores, requiring only 3.5% down. Backed by the federal government, they offer lower interest rates and lenient qualification criteria, making homeownership achievable for a broader audience.
VA Loans
VA loans offer zero-down financing and no private mortgage insurance for eligible veterans and service members. Guaranteed by the U.S. Department of Veterans Affairs, these loans provide favorable terms and support for military families purchasing or refinancing homes.
USDA Loans
USDA loans enable 100% financing for qualified buyers in eligible rural areas, featuring low fixed rates and no down payment requirements. Designed to promote homeownership in underserved communities, these loans offer flexible credit guidelines and affordable closing costs.
Refinance Loans
Refinance options help homeowners reduce monthly payments, switch from adjustable to fixed rates, or access equity through cash-out refinancing. Tailored solutions address changing financial needs, including lowering interest rates or shortening loan terms for faster payoff.
People
Miriam Safiedine
Loan Officer
Miriam Safiedine is a detail-oriented, professional loan officer known for exceptional customer service. She guides clients through complex mortgage processes with clarity and responsiveness, ensuring seamless transactions and early closings.
Heather Rose
Loan Officer
Heather Rose is patient and compassionate, excelling at explaining mortgage complexities. With two decades of experience, she tailors loan packages to client needs, earning loyalty through personalized support and expertise.
Questions
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial assessment based on self-reported financial information, while pre-approval involves a thorough review of credit, income, and assets, providing a stronger position for home offers.
How do I know if refinancing is right for me?
Refinancing is ideal if you aim to lower interest rates, reduce monthly payments, switch to a fixed rate, or access home equity. Calculate break-even time to determine long-term savings.
What documentation is required for an FHA loan?
FHA loans require proof of income, two years of tax returns, recent pay stubs, bank statements, and a valid ID. Borrowers with lower credit scores benefit from lenient qualification criteria.
Can I use a VA loan for a second home?
VA loans are exclusively for primary residences. Eligible veterans can finance up to 100% of a home's value with no down payment for their main dwelling.
Are USDA loans available in suburban areas?
USDA loans target non-metropolitan areas but may include certain suburban regions. Eligibility depends on property location as defined by USDA guidelines.
