Business Details
10 Years
experience
Trusted Mortgage Solutions in Starkville, Mississippi
1st Legacy Capital was founded in 2016 by Ken Freshwater and Andy Shurden, two Mississippi natives with nearly 40 years of combined mortgage industry experience. Our mission is to provide Mississippi residents with premier mortgage financing solutions, including FHA, VA, USDA, Conventional, and Reverse Mortgage Loans. As licensed Mortgage Originators and members of the National Reverse Mortgage Lenders Association, we prioritize personalized service through face-to-face consultations across the state. Our locally owned and operated business emphasizes a customer-focused, Christ-centered work ethic, ensuring clients receive accurate information and tailored mortgage solutions. We specialize in purchases, refinances, and reverse mortgages, serving both urban and rural communities.Our team travels statewide to meet with consumers, real estate professionals, and financial planners, offering professional guidance at every step. With NMLS-certified expertise and a deep understanding of Mississippi's housing market, we help clients achieve homeownership goals. Our commitment to transparency, education, and family values sets us apart in the mortgage industry. By combining technical knowledge with compassionate service, we aim to make complex mortgage processes accessible and stress-free. Your legacy is our priority, and we take pride in building lasting relationships with every client we serve.
Services
Purchase Mortgages
Reverse Mortgages
Refinance Options
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Cash-Out Refinance
Home Equity Conversion
Mortgage Consultations
Details
- Year established: 2016
Highlights and features
- We offer 40+ combined years of Mississippi mortgage expertise.
- Our team provides statewide face-to-face consultations.
- Licensed originators with NMLS-certified professional standards.
- Specialized in reverse mortgages for senior homeowners.
- Christ-centered approach with transparent, family-focused service.
Associations and certifications
- National Reverse Mortgage Lenders Association (NRMLA)
What people say
Best of one on one service
Very happy
Made the process easy
Discreet and professional
Explained the program
Services
Reverse Mortgages
Reverse mortgages allow homeowners aged 62+ to convert home equity into funds without monthly payments. We specialize in HUD-approved Home Equity Conversion Mortgages (HECMs) for refinancing or purchasing new homes. Our experts guide Mississippi seniors through the process with personalized consultations.
Purchase Mortgages
We offer FHA, VA, USDA, and conventional loans for primary residences, investment properties, and vacation homes. Our Mississippi-based team helps first-time buyers and experienced homeowners navigate down payment options and eligibility requirements with local market expertise.
Refinance Options
Our refinance programs help Mississippi homeowners lower rates, adjust loan terms, or access equity through cash-out refinancing. We handle conventional, FHA, VA, and USDA streamline options while maintaining compliance with federal guidelines and property requirements.
USDA Loans
We provide 100% financing USDA loans for eligible first-time homebuyers in rural Mississippi areas. Our process includes income cap verification and property eligibility assessments to help low-to-moderate-income families achieve homeownership in qualified locations.
VA Loans
We specialize in VA loans offering 100% financing for Mississippi military service members and veterans. Our team assists with certificate of eligibility requirements and streamline refinancing options to make homeownership accessible for those who served.
People
Anthony Lee Shurden
President
President and co-founder with 20+ years in mortgage origination. NMLS #1450322 certified, specializing in reverse mortgages and community-focused lending practices across Mississippi.
Kenneth Freshwater
Vice President
Co-founder and reverse mortgage expert with NMLS #266772 certification. Native Mississippian with extensive national mortgage experience, focused on personalized senior housing solutions.
Jeff Jones
Loan Coordinator
Experienced loan coordinator ensuring smooth mortgage processing. Manages documentation and client communication for purchase and refinance transactions across Mississippi.
Ann Jones
Relationship Manager
NMLS #97779 certified mortgage professional serving North Mississippi. Provides local market expertise and personalized guidance for residential financing needs.
Questions
What mortgage types do you offer in Mississippi?
We offer FHA, VA, USDA, Conventional, and Reverse Mortgages for primary residences and investment properties.
Do you serve all areas of Mississippi?
Yes, our team provides face-to-face consultations statewide, from Starkville to Bay St. Louis.
What is a reverse mortgage?
A reverse mortgage allows homeowners 62+ to access home equity without monthly payments, maintaining property ownership.
How do I apply for a mortgage?
Contact us at 662.268-8877 or via email to start your application with our licensed originators.
Are you locally owned?
Yes, we're a Mississippi-based company founded by native professionals with decades of local experience.
