Business Details
26 Years
experience
Trusted Mortgage Brokers in Louisville, KY
Established in 2000, First Commonwealth Mortgage specializes in tailoring individual mortgage programs to meet specific borrower needs. Our goal is to make financing your home as easy as possible through our commitment to superior customer service, highly-trained and licensed mortgage bankers, and a wide range of products and services. We pride ourselves on helping thousands of borrowers with perfect and less-than-perfect credit achieve their dreams of homeownership.Our team of experts is dedicated to finding the mortgage solution that best suits your needs, offering a seamless process from application to closing. With offices in Louisville, KY, and licensed in multiple states, we provide personalized support and competitive rates to ensure your home financing experience is stress-free and successful.
Services
Purchase Loans
Mortgage Refinancing
Debt Consolidation
Cash-Out Refinancing
Second Mortgages
Investment Property Loans
Details
- Year established: 2000
Highlights and features
- We offer over 20 years of mortgage industry experience with licensed professionals.
- Our team provides personalized mortgage solutions for unique financial situations.
- We guarantee fast closing times, with options to close in as little as 10 days.
- Our experts specialize in helping borrowers with diverse credit profiles.
- We maintain transparent communication and no hidden fees throughout the process.
What people say
Smooth process
Quick closing
Knowledgeable staff
Excellent communication
Competitive rates
Services
Purchase Loans
First Commonwealth Mortgage offers customized purchase loans for first-time and experienced homebuyers. Our streamlined process includes low rates, no mortgage insurance programs, and down payment assistance options. We specialize in quick closings within 10 days while maintaining transparent communication throughout the transaction.
Mortgage Refinancing
Our mortgage refinancing solutions help homeowners build equity or access cash for financial goals. With competitive rates, no out-of-pocket fees, and in-house underwriting, we manage the entire process from application to closing. Our experts tailor refinancing options to improve your financial position efficiently.
Debt Consolidation
Debt consolidation loans combine high-interest debts into one manageable payment. We help clients reduce monthly expenses, access home equity for improvements or education, and potentially secure tax-deductible payments. Our specialists create customized plans to simplify financial obligations.
Investment Property Loans
We provide specialized financing for rental and investment properties. Our programs accommodate various credit profiles and offer flexible terms for real estate investors. From single-family homes to multi-unit properties, our team structures loans to maximize returns and long-term growth.
Second Mortgages
Second mortgage options allow homeowners to leverage equity for major expenses. We offer competitive rates and clear terms for home improvements, education funding, or debt management. Our advisors explain all options to ensure informed decisions about additional financing.
People
Edwin Sulzer
Loan Officer
Edwin Sulzer specializes in mortgage origination with expertise in first-time homebuyer programs. He maintains a 98% client satisfaction rate through transparent communication and rapid response times. His clients consistently praise his ability to simplify complex processes and secure competitive rates.
Jason Parker
Mortgage Broker
Jason Parker has facilitated over $500 million in residential loans with a focus on VA and investment property financing. He holds a 4.9 Google rating for his consultative approach and ability to close complex transactions within 30 days. Clients highlight his market knowledge and personalized service.
Barbara Cano
Loan Specialist
Barbara Cano specializes in first-time homebuyer programs and credit-challenged borrowers. She maintains a 97% repeat client rate through proactive communication and tailored loan solutions. Her expertise includes down payment assistance programs and rapid documentation processing.
Questions
What mortgage products does First Commonwealth Mortgage offer?
We provide purchase loans, refinancing options, debt consolidation, second mortgages, investment property financing, and specialized programs for self-employed individuals and first-time homebuyers.
How quickly can you close a mortgage loan?
Our average closing time is 15-20 days, with some transactions closing in as little as 7 days through our expedited underwriting process.
Do you work with borrowers with credit challenges?
Yes, we specialize in helping borrowers with diverse credit profiles, including those with past bankruptcies, foreclosures, or non-traditional credit histories.
What states are you licensed to operate in?
We are licensed in Alabama, California, Colorado, Florida, Georgia, Indiana, Kentucky, Maryland, Minnesota, New Jersey, Ohio, Tennessee, Virginia, and Wisconsin.
Can I get pre-approved for a mortgage online?
Yes, our digital pre-approval process takes less than 10 minutes and provides immediate rate quotes with no credit score impact.
