Business Details
10 Years
experience
Trusted Mortgage Solutions in Starkville, Mississippi
1st Legacy Capital was established in 2016 by Ken Freshwater and Andy Shurden, who bring nearly 40 years of combined experience in the mortgage industry. Our mission is to provide Mississippi residents with premier mortgage financing solutions, including FHA, VA, USDA, conventional, and reverse mortgage loans. Headquartered in Starkville, Mississippi, we serve clients statewide through personalized, face-to-face consultations. As licensed mortgage originators and members of the National Reverse Mortgage Lenders Association (NRMLA), we prioritize excellence in customer service and accurate, transparent information about mortgage options.Our locally owned and operated business emphasizes a Christ-centered work ethic, ensuring that every client's legacy is our top priority. We specialize in helping families, real estate professionals, and financial planners navigate mortgage solutions tailored to their unique needs, whether purchasing, refinancing, or exploring reverse mortgages.
Services
Reverse Mortgages
Refinancing
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Details
- Year established: 2016
Highlights and features
- We offer 40 years of combined mortgage expertise tailored to Mississippi residents.
- Our team provides face-to-face consultations across the entire state.
- Locally owned and operated with a Christ-centered work ethic.
- Specialize in reverse mortgages, FHA, VA, USDA, and conventional loans.
- Licensed mortgage originators committed to transparent, customer-focused service.
Associations and certifications
- National Reverse Mortgage Lenders Association (NRMLA)
What people say
Excellent service
Discreet and professional
Process easy and pleasant
Very happy
Recommend them
Services
Reverse Mortgages
Reverse mortgages allow homeowners aged 62+ to convert equity into tax-free funds. We specialize in Mississippi-specific programs, offering personalized consultations to help families manage retirement finances. Our process ensures clarity and compliance with federal guidelines.
Refinancing
Refinance your existing mortgage to lower rates, adjust terms, or access cash. We offer conventional, FHA, VA, and USDA options with competitive rates and streamlined processes tailored to Mississippi homeowners' needs.
FHA Loans
FHA loans require 3.5% down and allow gift funds for down payments. Ideal for first-time buyers, these loans provide accessible homeownership opportunities with flexible credit requirements across Mississippi.
VA Loans
100% financing available for Mississippi military members and veterans. VA loans offer zero down payment options and competitive rates, requiring a certificate of eligibility for primary residences.
USDA Loans
USDA loans provide 100% financing for eligible first-time buyers in rural Mississippi areas. Income caps and property eligibility apply, supporting homeownership in qualifying communities.
People
Ken Freshwater
Vice President
A native Mississippian with decades of mortgage experience, Ken specializes in reverse mortgages and personalized consultations. He prioritizes client education and family-centered solutions.
Anthony Shurden
President
As 'Mississippi's Mortgage Guy,' Andy leads with a commitment to statewide service. His expertise in mortgage financing ensures clients receive tailored solutions for their homeownership goals.
Jeff Jones
Loan Coordinator
Jeff streamlines the mortgage process for clients, specializing in VA, FHA, USDA, and conventional loans. He serves areas from Tupelo to Greenville with prompt, professional support.
Ann Jones
Relationship Manager
NMLS-licensed Ann provides mortgage expertise across North Mississippi. She focuses on helping clients navigate purchases, refinances, and reverse mortgages with personalized guidance.
Questions
What is a reverse mortgage?
A reverse mortgage allows homeowners 62+ to access home equity as tax-free funds, with no monthly payments required.
Do you offer loans statewide?
Yes, we provide mortgage services across Mississippi, including face-to-face consultations in all major regions.
What loan types are available?
We offer FHA, VA, USDA, conventional, reverse mortgages, and refinancing options tailored to Mississippi residents.
How can I apply?
Apply online via our website or contact us directly at 662.268.8877 for personalized assistance with your mortgage needs.
