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When flying first class, you expect a more comfortable and convenient experience. Why can’t you have that same feeling with your mortgage process? From first contact to closing, everything we do is First Class. Locally-owned and operated out of the Midwest, you will receive the highest level of customer service and industry experience. We encourage questions. We listen. We act. We’re your trusted advisor. As your mortgage consultants, we’re dedicated to providing our clients with exceptional service and a First Class home loan experience. We have over 100+ years of experience working in the mortgage industry which allows us to help you find the right product at the lowest rates and closing. Call us to learn more!

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From first contact to closing, everything we do is First Class. Locally-owned and operated out of the Midwest, you will receive the highest level of customer service and industry experience.

First Class Mortgage works with customers of all asset and income levels, from FHA financing to Jumbo loans. Want to learn more about First Class Mortgage? We’d love to meet you! Contact us today to get started.

First Class Mortgage is more than just our company name. It's the way we do business. Whether you are buying a new home or refinancing your existing mortgage, our dedicated team takes the time to understand your financial situation. We provide first-class service, first-class knowledge and a first-class experience at the lowest interest rates.

Ready to use your equity on something grand? Right now could be the right time. Call First Class Morgage today!

Did you know… You don’t need perfect credit to get a good rate. There are many loan program options! Ready to learn more? Call First Class Mortgage now.

Choosing to refinance your home can be a big decision. Now is a great time to consider doing so as you may be able to save money on your monthly payments! Not sure if refinancing is for you? Give our team a call and they can help determine if you are a candidate.

Wondering how much house you can afford? Our team can easily help you figure that out! Give us a call or visit our website.

Purchasing a home can be overwhelming! Our experts are here to help with all your lending needs from start to finish. One of the first steps we recommend is pre-qualifying before you begin looking. This gives you a better idea of what you can realistically afford and it shows the seller that you are serious about homeownership. In a market that moves fast, pre-qualifying is a great way to help things move along more smooth. Give us a call and let’s get you pre-qualified!

Thank you to everyone who voted for First Class Mortgage this year!

FHA loans can be a game-changer for first-time homebuyers, offering a path to homeownership with as little as a 3.5% down payment. Contact First Class Mortgage to learn more!

Ever wondered what goes on during a closing? Let’s unravel the mysteries of this significant milestone. ✔️ The Road to Closing: Takes about 40 days (roughly, and give or take)! This time is packed with inspections, paperwork, and final checks. We pride ourselves on a quick and simplified process. ✔️ Closing Day Basics: You’ll sign lots of documents (hello, hand gym!), cover your down payment, and handle closing costs. ✔️ Choose Your Date Wisely: Aiming for a late-month closing can be savvy – it might save on initial interest payments. ✔️ Prep for Paperwork: The big one to review before the big day is your closing disclosure. It outlines all those important details about your mortgage. ✔️ Who You’ll Meet: Expect a crew at the closing table – from your real estate agent to attorneys and the lender’s team. ✔️ And Finally… Home Sweet Home. Post-signing, you get the keys and officially become a homeowner! Ready to unlock the door to homeownership? Let’s navigate this exciting path together – from first step to key turn!🗝️

🏡✨ Navigating your mortgage can feel like a maze! Before you dive in, make sure to ask your lender these critical questions: 1️⃣ “How long will the loan process take from application to closing?” – This helps you plan your move or any other related activities. And besides, who doesn’t like a timeline to plan around? 2️⃣ “Are there any prepayment penalties on the mortgage?” – Knowing this can affect how you plan to pay off your mortgage over time. 3️⃣ “How will changes in the market affect my mortgage rate, and is it possible to lock in a rate? If so, how long will the rate be locked?” – This helps you understand your financial commitment and how market changes could impact it Knowledge is power, especially when it comes to mortgages. Let’s chat and make sure you’re equipped with all the right info!

Hey, first-time homebuyers! 🏡🌟 Ready to dive into the mortgage sphere? It can be a bit of a puzzle, but don’t worry, I’ve we've you covered. Check out these four tips: 🔹 Bank or Broker? What’s Best for You? So, you can go straight to a bank, or chat with a mortgage company ( Hello 👋, Mortgages are all we do!) We get it, banks are the go-to, but a mortgage company can zero in on what works for you, especially if your financial story isn’t cookie-cutter. 🔹 Fixed or Adjustable Rate? Let’s Break it Down: Think long-term peace of mind with a fixed-rate mortgage, or if you’re not planning to put down roots just yet, an adjustable-rate mortgage (ARM) might be your thing, especially if you expect your cash flow to change. 🔹 Choosing Your Loan Term – It’s All About Balance: It’s like this – a 15-year loan means you pay more each month but save on interest in the long run. A 30-year loan? Easier on your wallet each month, but you’ll pay more interest over time. 🔹 Locking in Your Rate – Get Smart: Markets can be all over the place, right? Locking in your rate can keep you safe from hikes. Get ready to make your home buying journey a smooth ride! 🚗

Transform Your Tax Refund into a Down Payment! 🏡✨ Got a tax refund and dreaming of your own place? Let’s talk about turning that refund into your down payment! 🌟 Assess Your Refund: First things first, check how much you’ve got from your tax refund. It could be more than you think! 💡 Create a Savings Plan: Combine your refund with a savings plan. Even small amounts add up and bring you closer to your dream home. 🏦 Explore Down Payment Assistance: Many programs can help boost your down payment. Your tax refund could be the key to unlocking these opportunities. 📚 Educate Yourself: Understand the home-buying process. Knowledge is power, especially when it comes to mortgages and real estate. So, don’t just dream about a home, make it happen! Your tax refund is a great stepping stone. Use it wisely and take one step closer to turning that key in your new front door! 🗝️

Ready, set, tour! 🏡✨ But wait, there’s a step before you explore! Before the home tours start, getting pre-qualified is the smart part in the mortgage dance. It’s like having a VIP pass to your dream home’s heart! Be ahead of the game, and let sellers know you’re serious! Let’s get you pre-qualified and into your dream home!

Let’s Bust Some Mortgage Myths! 🏡 Heard things about getting a mortgage that sound scary? Let’s break it down: 1️⃣ Myth: You need a huge income to get a mortgage. Not true! It’s more about what you earn and spend, not just the big bucks. 2️⃣ Myth: It’s impossible to get a mortgage if you’re self-employed. Nope, it’s totally possible! You just need to show your income in a different way. 3️⃣ Myth: Once you get a mortgage, you’re stuck with it forever. Actually, you can refinance or change it as your life changes. Buying a house might be easier than you think. Let’s talk about how to make it happen for you!

Did you know... ✔️ Your job history can be as crucial as your credit score While credit scores are important, lenders are increasingly valuing stable employment history when considering loan approvals. ✔️ “You might be able to use gift money for your entire down payment Many loan programs allow you to use gifted funds for down payments, making the entry into homeownership more accessible than you might think. ✔️ Mortgage interest isn’t the only tax perk Beyond the mortgage interest deduction, additional tax benefits, like certain home improvements, can also provide returns come tax season. 📌 SAVE this for later so you don’t lose it! Also, be sure to 💌SHARE with someone who could benefit from this info.

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