1st Financial Mortgage

Welcome to 1st Financial Mortgage Corp., your trusted mortgage company based in Richmond, Virginia. We have been dedicated to helping Virginia home buyers and homeowners achieve their dreams since our inception over 28 years ago. Our mission is to provide extraordinary customer service, excellent interest rates, and low closing costs for every customer. We strive to make the mortgage process as smooth and stress-free as possible, with personal guidance from start to finish.

At 1st Financial Mortgage Corp., we pride ourselves on providing prompt and personalized service to each and every one of our clients. You will not be handed off to different people or departments; instead, you will have one dedicated mortgage expert to guide you through the entire process. We believe in building long-lasting relationships with our clients, and many of our customers return to us for their future mortgage needs.

Our Services

At 1st Financial Mortgage Corp., we offer a variety of mortgage programs with flexible terms to fit your family's needs. Our loan programs include:

• Conventional Mortgage Purchase: With a down-payment as low as 3%, and the option for lender-paid or borrower-paid mortgage insurance for loans above 80% loan-to-value, our conventional mortgage purchase program is a great option for many homebuyers. You can choose a term ranging from 8 to 30 years, and get ahead of the competition with a pre-approval letter.
• Conventional Mortgage Refinance: Refinance your existing mortgage to take advantage of lower interest rates or to get cash back for consolidation or home improvement. With up to 80% loan-to-value, you can receive cash back and save money on your monthly payments.
• FHA, Purchase and Refinance: The Federal Housing Administration (FHA) offers a great option for homebuyers with lower credit scores or smaller down-payments. With a down-payment as low as 3.5%, you can purchase a home with an FHA loan. Refinance your existing FHA loan to take advantage of lower interest rates or to get cash back for home improvement.
• VA, Purchase and Refinance: The U.S. Department of Veterans Affairs (VA) offers a great option for military veterans and their families to purchase a home with 100% financing. Refinance your existing VA loan to take advantage of lower interest rates or to get cash back for home improvement.

At 1st Financial Mortgage Corp., we understand that every client has unique needs and circumstances. That's why we offer a variety of loan programs with flexible terms, including options for lower down-payments, lender-paid mortgage insurance, and cash-back refinancing. Our experienced mortgage experts will work with you to determine the best possible solution for your needs.

Testimonials

Don't just take our word for it - hear what our customers are saying about us!

"Working with 1st Financial was a delightful experience. They really put it into high gear to help us close on our home in an incredibly short amount of time." - Michael P

"Gary made my first time home buying experience an extremely pleasant one. He was on time with everything and answered any and all of my questions. We will be using 1st Financial for any home purchases in the future!" - Megan R

"As a four-time repeat customer of 1st Financial Mortgage, I can't say enough great things about the job they do. Gary does a great job in finding the best possible solution to fit your needs. His service and expertise is second to none and he is the first person I call when thinking about buying or refinancing a property." - Willie R

"I can't say enough wonderful things about First Financial Mortgage. Being a first-time home buyer, I knew nothing about buying a house. Gary made the process so simple and easy. From the very beginning, he explained everything and walked me through each step. Gary is extremely knowledgeable and patient. He was always just a phone call away!" - Jen D