Getting A Mortgage

Please don't let the idea of obtaining financing for your home intimidate you. Our professional and courteous staff is looking forward to the opportunity to assist you in meeting your home buying and refinance goals.

We encourage all of our home buying clients to consider taking a home buyer education course. You'll find a online home buyer and down payment assistance course here, in addition to local home buyer education opportunities here.

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Home Buyers & Refinance Clients

For the average home buyer and refinance client, obtaining a home loan can be nerve wracking and costly. Sometimes things just don't go the way we think they should, or think they will. This is the nature of lending and borrowing, and is exactly why 1st Continental Mortgage was born. We have staff that specialize in niche programs with extensive product knowledge, and know how, from years of experience in mortgage origination and the lending process.

Through our hiring process we are able to selectively choose the most knowledgeable and capable employees who compliment our company goals of providing solutions that are tailored to our clients needs, wants, financial means and credit ability. Through marrying our high quality personnel to our training programs, we maintain some of the industries best quality standards of both product and industry knowledge that can possibly affect our clients in the origination and underwriting process.

Selecting The Best

Not all mortgage lenders are the same. Though the color of the license isn't different, who issues the license isn't different, the company name and more importantly, the company philosophies can vary hugely. Most lending and broker firms focus squarely on the bottom line. This is where 1st Continental Mortgage stands out and makes a difference for you.

As a Broker, our profit level is not just determined by how much "Profit" we make from your loan! We give our Loan Origination staff the full flexibility to determine what the cost to our clients will be. We want your success, we want you to achieve you financial goals, we want you to do business with us again and we want you to openly and proudly refer your friend and family.

Loan Programs to Lend By

Now that you know some of the major advantages to working with an 1st Continental Mortgage Originator, you probably would like to know what types of programs we offer?

• Fully HUD Approved FHA Lender to include Fixed Rate Programs, Adjustable Rate Program, the 203K Program and Reverse Mortgage Program
• Fully Approved By VA to originate the Fixed Rate VA Loan, the Adjustable Rate VA Mortgage Options and the VA Reverse Mortgage Loan.
• Fully Licensed to Originate Fannie/Freddie Conventional Home Loans to Include: Fixed Rate Programs, Adjustable Rate Programs, Interest Only, Stated Income, Stated Asset, No Ratio and the No and Low Documentation Loans.
• Fully Licensee to originate Sub-Prime Loans (bad credit home loans) which include Fixed Rate Mortgages, The Full Range of ARM Programs, Sub-Prime Stated, No Ratio and No Income No Asset.
• Fully Licensed to Originate Hard Money Loans
• Fully Licensed to Meet Your Commercial Loan Needs
• Fully Licensed to Originate Non Conforming Jumbo Loan Programs to include the Fixed Rate Mortgage, All ARM Programs and specialty niche Stated, NINA, No Ratio and No Doc Jumbo Loans.
• Fully Licensed to Handle your Real Estate Investor Loans covering the full range of Investment Property Needs.

There is simply no loan program that an 1st Continental Mortgage Specialist can't help you with, no matter the mortgage program you're interested in. By working with us, you are working with some of the best and brightest in the industry. You can rest assured that each of our Loan Specialist has the tools available to make your mortgage transaction the smoothest it can be with more options than one website can address.