Business Details
Your Trusted Mortgage Broker in Stratford, CT
At First Choice Mortgage, we pride ourselves on being a privately-owned, full-service mortgage brokerage dedicated to simplifying the home financing process. With decades of combined experience, our team specializes in delivering competitive loan programs tailored to meet diverse client needs, including first-time homebuyers, veterans, and investors. Our commitment to transparency ensures clients receive the lowest possible rates and fees while benefiting from personalized guidance throughout every transaction. We operate with unwavering honesty and integrity, treating each client's financial goals as our own. Licensed across multiple states, our expertise spans conventional, FHA, VA, jumbo, and adjustable-rate mortgages, ensuring comprehensive solutions for home purchases, refinancing, and equity management.By maintaining direct communication channels and in-house underwriting capabilities, we streamline the approval process to deliver faster, stress-free closings. Our reputation for exceptional customer service is built on a foundation of trust, accountability, and a relentless focus on client satisfaction. As an NMLS-registered broker, we adhere to stringent regulatory standards while continuously adapting to evolving market conditions to serve our clients better. Whether you're seeking to consolidate debt, reduce monthly payments, or access home equity, our team provides the expertise and support needed to achieve your homeownership or investment objectives efficiently.
Services
Mortgage Refinancing
FHA Loans
VA Loans
Jumbo Loans
Adjustable Rate Mortgages
Investor Loans
Home Equity Access
Debt Consolidation
Fixed Rate Mortgages
First-Time Buyer Programs
Highlights and features
- We offer competitive mortgage rates and transparent fee structures.
- Our in-house underwriting ensures faster loan approvals.
- Licensed in multiple states for expanded service capabilities.
- Dedicated consultants provide personalized mortgage guidance.
- Proven track record of client satisfaction through transparent practices.
What people say
Exceptional service
Secured great rate
Professional and friendly
No stress process
Always available
Services
Mortgage Refinancing
Our mortgage refinancing services help clients lower monthly payments, consolidate debt, or access home equity through competitive rate adjustments. We specialize in cash-out refinancing and term modifications to optimize long-term savings. With streamlined processes, we ensure transparent guidance from application to closing.
FHA Loans
FHA loan programs provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these loans feature 3.5% down payment options and lenient qualification standards while maintaining competitive interest rates for primary residences.
VA Loans
VA loans offer exclusive benefits for veterans and active-duty personnel, including zero down payment requirements and reduced interest rates. Our specialists navigate military-specific eligibility criteria to deliver tailored financing solutions that honor service members' housing needs.
Jumbo Loans
Jumbo loan programs cater to high-value property purchases exceeding conventional loan limits. We provide customized financing for luxury homes and investment properties with competitive terms while maintaining rigorous underwriting standards for financial stability.
Home Equity Access
Our home equity services enable clients to leverage property value for debt consolidation, home improvements, or major expenses. Through cash-out refinancing and equity-based loan structures, we create strategic financial solutions that enhance long-term property value.
People
Terry Blake
Owner
As owner, Terry Blake leads with a commitment to personalized mortgage solutions and operational excellence across all service locations.
Shawn Blake
Senior Loan Officer
Shawn Blake specializes in mortgage origination, delivering exceptional client experiences through transparent communication and tailored financing strategies.
Gary Root
Senior Loan Officer
Gary Root provides expert mortgage guidance with extensive knowledge of loan programs and market-specific financing options.
Marilee Root
Loan Officer
Marilee Root assists clients with mortgage applications, focusing on FHA and conventional loan programs for first-time buyers.
Eileen M. Jowett
Loan Officer
Eileen Jowett supports clients through the mortgage process with attention to detail and regulatory compliance standards.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, jumbo, adjustable-rate, and fixed-rate mortgages for primary residences and investment properties.
Can I refinance to lower monthly payments?
Yes, refinancing can reduce payments through lower interest rates, extended terms, or cash-out equity adjustments based on current eligibility.
How do I start the mortgage process?
Begin with pre-qualification online or contact our consultants for personalized guidance through document preparation and loan approval.
Are there first-time homebuyer programs?
Yes, FHA loans with 3.5% down payments and specialized counseling resources are available for eligible first-time purchasers.
What documentation is required for approval?
Standard requirements include income verification, credit history reports, asset statements, and property-specific documentation for underwriting review.
