Mortgage Done Right. No Junk Fees. No Runaround.
We are an independent mortgage broker licensed in Florida, Arizona, Texas, and Michigan. Co-founders Kirk Chivas and Ken Turkington bring 60+ combined years of mortgage experience — and they’ve worked together since 1997. That means when you work with us, you get a team that knows how to handle everything from straightforward first-time buyer deals to complex scenarios that other lenders turn away.
Whether you’re buying your first home, moving up, or refinancing — we shop your loan across dozens of wholesale lenders to find you the lowest rate available. No markup. No junk fees. No surprises at the closing table.
Why First Commerce Financial?
A lot of lenders say they offer great rates and great service. Here’s what actually sets us apart:
No Junk Fees — Ever
Junk fees are charges lenders tack on to boost their margin — processing fees, administrative fees, application fees. We don’t charge them. You’ll know exactly what your loan costs from day one, and that number won’t change when you get to the closing table.
Wholesale Rates You Can’t Get at a Bank
Because we’re an independent broker, we have access to wholesale lending rates that retail banks don’t offer their customers. We compare dozens of lenders to find the lowest rate for your scenario — not just the lowest rate on our shelf.
60+ Years of Combined Experience
Kirk and Ken have seen every market condition, every loan type, and every curveball a transaction can throw. That experience means faster closings, fewer surprises, and better outcomes — especially when your situation isn’t perfectly straightforward.
Client Reviews
Frequently Asked Questions
For your pre-approval we’ll ask questions about your income, assets, credit history and employment. We will do a soft credit inquiry (which does not lower your scores) to get a baseline of your credit scores and consumer debt obligations.
Once you start the application process we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs and documents pertaining to other personally owned real estate. You’ll receive notification in writing of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.
No! Getting started before you go out looking for homes is a must.
If you get started before you have a property to purchase, we can issue a pre-approval subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-approved for a mortgage will even give more weight to any purchase offer you make.
When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.
There are many advantages to homeownership:
A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.
- Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.
- Real estate is marketable.
- You can make your own decisions about design and décor.
- You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
- You have control over the piece of property. You are not answering to a landlord.
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Pre-Qualification Today = Less Stress House Shopping Tomorrow
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-approval is an essential tool when house shopping, because it…
- Determines what homes are in your price range
- Assures real estate brokers and sellers that you are a qualified buyer
- Can be used to your advantage in future negotiations
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s, you can always contact us and we’ll respond asap.
