Mortgage Rates
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First Mortgage
The right mortgage equals financial power
Few transactions can empower greater financial stability than a mortgage.
We are experts at helping you make the best financial decision, whether you’re buying your first home, or refinancing to get cash out. We’ll unleash the power of the right mortgage by helping you secure an outstanding mortgage rate that allows you to achieve your financial goals.
Mortgages made with honesty, integrity & experience.
Getting a mortgage isn’t something most of us do very often, so it’s OK to be anxious. We work with customers like you all across the country, and we’ve been doing it for over a decade, so relax! We’ll help you make the right move.
2.680%
Average Interest Rate in past 30 days
$376800
Average loan amount in past 30 days



Honesty, Integrity & Experience
Let’s face it: Some mortgage companies earned a bad reputation not too long ago by being dishonest and immoral. We aim higher than profit.
If a certain mortgage doesn’t make sense for you, we’re not pressuring you into it. Period.

Find Your Mortgage Rate
Ready to get started? Awesome! Just tell us a little bit about you and what you’re looking for & we’ll give you a free custom mortgage rate quote.
Serving You
First Mortgage Direct covers nearly 50% of the entire population and we’re continually adding new states!
For years, we’ve been helping clients find the mortgage rates to purchase their first, second, or even fifth home!

Luke Baker
Loan Consultant at First Mortgage(NMLS #1599074)
Archit -
I worked with Luke, and am extremely satisfied with the full end to end process.... Continue reading
I worked with Luke, and am extremely satisfied with the full end to end process. Would definitely recommend him to anyone!

Jason Stuber
Loan Consultant at First Mortgage(NMLS #213855)
Drew -
Highly recommend Jason and First Mortgage Solutions. Everything went like clockwork during our closing. Whole... Continue reading
Highly recommend Jason and First Mortgage Solutions. Everything went like clockwork during our closing. Whole process was great.

Shelley Cox
Loan Consultant at First Mortgage(NMLS #95809)
Jan -
Shelley Cox made my refinance experience a great decision. She was always prompt to address... Continue reading
Shelley Cox made my refinance experience a great decision. She was always prompt to address my questions and concerns, building my confidence that she was working to provide me the best available interest rate. I felt valued as a client and a person. I highly recommend contacting Shelley about obtaining or refinancing a home mortgage. She’s a superb professional!

Stephanie O’Farrell
Loan Consultant at First Mortgage(NMLS #95809)
Blue -
I was a bit hesitant to depart from my mortgage consultant locally for an unknown... Continue reading
I was a bit hesitant to depart from my mortgage consultant locally for an unknown internet-based service, but I really can’t say enough about Stephanie. She answered every question (I had dozens) thoroughly, promptly and without any hint of impatience. She offered excellent advice during a highly volatile market, and she make the entire process not only far less costly (both in terms of fees and her rate), but it was actually far more convenient and easy than the refi’s I’ve done in person.

Tyler Epley
Loan Consultant at First Mortgage(NMLS #1957252)
Brian -
The level of service you provide is outstanding. I have purchased and refinanced houses before... Continue reading
The level of service you provide is outstanding. I have purchased and refinanced houses before and I was in the business for a number of years. The experience I had with you and Tyler was the best I have ever encountered. I wholeheartedly recommend your services and have already told my friends to call you if they need lending help. If I am ever in need of a mortgage again, you will be my first and only call. Thank you for taking care of us!

Mark Gennusa
Loan Consultant at First Mortgage(NMLS #202648)
Elisa -
It was a pleasure to work and learn from Mark. I reached out to Mark... Continue reading
It was a pleasure to work and learn from Mark. I reached out to Mark after learning he didn’t have any negative reviews but not aware of his other impressive background. We had a contract to close in 3 weeks which included the Thanksgiving holiday. Mark was confident that he could meet the timeline and provide a best rate. He and his team delivered. Mark is a standout with his enthusiasm, dedication, and responsiveness. I would suggest that he takes a break and rest from time to time. God bless! Diem Chau

Scott Peterson
Loan Consultant at First Mortgage(NMLS #294732)
Jill -
You will not be disappointed with Scott. He was amazing to work with. He kept... Continue reading
You will not be disappointed with Scott. He was amazing to work with. He kept you informed every step of the way. He was extremely responsive to any questions or concerns. You are in good hands with Scott. I highly recommend!

Jake Longhta
Loan Consultant at First Mortgage(NMLS #1595726)
Lauire -
Best Financing Company we have ever worked with! Jake and his team were always right... Continue reading
Best Financing Company we have ever worked with! Jake and his team were always right there making sure everything was perfect!

Jamie Buchmeier
COO at First Mortgage(NMLS #335259)
Lori -
Jamie did a great job helping me with a refinance. Answered all my questions….many had...
Jamie did a great job helping me with a refinance. Answered all my questions….many had to be explained in further depth for me to totally understand 🙂 So pleased to have this behind me and I would recommend him to help anyone with their quest to SAVE $$ and refinance now….

Mike Grier
Loan Consultant at First Mortgage(NMLS #1486507)
Joe -
Mike Grier walked me through the refinance of my current house. It was a very... Continue reading
Mike Grier walked me through the refinance of my current house. It was a very good experience and Mike was able to answer my questions and help work through issues as they arose. I would highly recommend Mike and First Mortgage Solutions!

Kim Shuey
Loan Consultant at First Mortgage(NMLS #410338)
Shawna -
Kim was so helpful when were purchasing our new home after a bankruptcy. She went... Continue reading
Kim was so helpful when were purchasing our new home after a bankruptcy. She went above and beyond to help us get a great interest rate and made loan process easy. If, and I mean IF we ever buy another home we will definitely use Kim for our mortgage. Thank again for everything.

Brandon Hoge
Loan Consultant at First Mortgage(NMLS #1529640)
Yabin -
I absolutely love working with Brandon from FMS. I refinanced my mortgage and got the... Continue reading
I absolutely love working with Brandon from FMS. I refinanced my mortgage and got the best rate that I could have. The whole process is super smooth; all the communication is always clear, timely, and professionally. I definitely recommend FMS to anyone who is seeking for a good mortgage solution.

Basil Benyo
Loan Consultant at First Mortgage(NMLS #1277999)
Judith -
Basil Benyo thank you so much for your help through the purchase of this beautiful... Continue reading
Basil Benyo thank you so much for your help through the purchase of this beautiful house. You were an instrumental part on handling every detail of it. I could have not done it without you. For ever your loyal customer.

Basil Benyo
Loan Consultant at First Mortgage(NMLS #1277999)
Kelley -
Did a refinance on our VA loan. We were able to get the rate we... Continue reading
Did a refinance on our VA loan. We were able to get the rate we wanted, And all went quickly and smoothly. Had a great experience with Basil Benyo! Thanks for everything.
Tamara Gillespie
Loan Consultant at First Mortgage(NMLS #924532)
Mark -
Tamara Gillespie helped us out with a refinance, and it was the easiest refinance we... Continue reading
Tamara Gillespie helped us out with a refinance, and it was the easiest refinance we have ever gone through. Highly recommend them.

Paul Brown
Loan Consultant at First Mortgage(NMLS #130697)
Rob -
I highly recommend First Credit Solutions for your home refinancing. Rates were very competitive at... Continue reading
I highly recommend First Credit Solutions for your home refinancing. Rates were very competitive at the lower end. My agent Paul Brown, was extremely proficient, easy to contact and was able to answer all my questions.
The required information was very easy to gather making the entire process very seamless and totally automated. Even at closing the attorney came to our house making it very convenient. I am extremely satisfied with the overall professionalism of Paul and his team and could not have asked for more.

David Barber
Loan Consultant at First Mortgage(NMLS #1482846)
Ronald -
Great experience working with First Mortgage Solutions and David. The refinance process was definitely different... Continue reading
Great experience working with First Mortgage Solutions and David. The refinance process was definitely different this time around with COVID and the extremely high demand due to low rates. We had originally looked to refinance with another company who proved unable to meet the challenges associated with COVID and we stumbled on First Mortgage Solutions when we looked for another option. Extremely glad we found them. COVID made refinancing different and little longer but David was there throughout. He constantly kept us informed and made sure our concerns were addressed in a timely manner. Great rates and great service.

Luke Baker
Loan Consultant at First Mortgage(NMLS #1599074)
Archit -
I worked with Luke, and am extremely satisfied with the full end to end process.... Continue reading
I worked with Luke, and am extremely satisfied with the full end to end process. Would definitely recommend him to anyone!

Jason Stuber
Loan Consultant at First Mortgage(NMLS #213855)
Drew -
Highly recommend Jason and First Mortgage Solutions. Everything went like clockwork during our closing. Whole... Continue reading
Highly recommend Jason and First Mortgage Solutions. Everything went like clockwork during our closing. Whole process was great.

Shelley Cox
Loan Consultant at First Mortgage(NMLS #95809)
Jan -
Shelley Cox made my refinance experience a great decision. She was always prompt to address... Continue reading
Shelley Cox made my refinance experience a great decision. She was always prompt to address my questions and concerns, building my confidence that she was working to provide me the best available interest rate. I felt valued as a client and a person. I highly recommend contacting Shelley about obtaining or refinancing a home mortgage. She’s a superb professional!

Stephanie O’Farrell
Loan Consultant at First Mortgage(NMLS #95809)
Blue -
I was a bit hesitant to depart from my mortgage consultant locally for an unknown... Continue reading
I was a bit hesitant to depart from my mortgage consultant locally for an unknown internet-based service, but I really can’t say enough about Stephanie. She answered every question (I had dozens) thoroughly, promptly and without any hint of impatience. She offered excellent advice during a highly volatile market, and she make the entire process not only far less costly (both in terms of fees and her rate), but it was actually far more convenient and easy than the refi’s I’ve done in person.

Tyler Epley
Loan Consultant at First Mortgage(NMLS #1957252)
Brian -
The level of service you provide is outstanding. I have purchased and refinanced houses before... Continue reading
The level of service you provide is outstanding. I have purchased and refinanced houses before and I was in the business for a number of years. The experience I had with you and Tyler was the best I have ever encountered. I wholeheartedly recommend your services and have already told my friends to call you if they need lending help. If I am ever in need of a mortgage again, you will be my first and only call. Thank you for taking care of us!

Mark Gennusa
Loan Consultant at First Mortgage(NMLS #202648)
Elisa -
It was a pleasure to work and learn from Mark. I reached out to Mark... Continue reading
It was a pleasure to work and learn from Mark. I reached out to Mark after learning he didn’t have any negative reviews but not aware of his other impressive background. We had a contract to close in 3 weeks which included the Thanksgiving holiday. Mark was confident that he could meet the timeline and provide a best rate. He and his team delivered. Mark is a standout with his enthusiasm, dedication, and responsiveness. I would suggest that he takes a break and rest from time to time. God bless! Diem Chau

Scott Peterson
Loan Consultant at First Mortgage(NMLS #294732)
Jill -
You will not be disappointed with Scott. He was amazing to work with. He kept... Continue reading
You will not be disappointed with Scott. He was amazing to work with. He kept you informed every step of the way. He was extremely responsive to any questions or concerns. You are in good hands with Scott. I highly recommend!

Jake Longhta
Loan Consultant at First Mortgage(NMLS #1595726)
Lauire -
Best Financing Company we have ever worked with! Jake and his team were always right... Continue reading
Best Financing Company we have ever worked with! Jake and his team were always right there making sure everything was perfect!

Jamie Buchmeier
COO at First Mortgage(NMLS #335259)
Lori -
Jamie did a great job helping me with a refinance. Answered all my questions….many had...
Jamie did a great job helping me with a refinance. Answered all my questions….many had to be explained in further depth for me to totally understand 🙂 So pleased to have this behind me and I would recommend him to help anyone with their quest to SAVE $$ and refinance now….

Mike Grier
Loan Consultant at First Mortgage(NMLS #1486507)
Joe -
Mike Grier walked me through the refinance of my current house. It was a very... Continue reading
Mike Grier walked me through the refinance of my current house. It was a very good experience and Mike was able to answer my questions and help work through issues as they arose. I would highly recommend Mike and First Mortgage Solutions!

Basil Benyo
Loan Consultant at First Mortgage(NMLS #1277999)
Judith -
Basil Benyo thank you so much for your help through the purchase of this beautiful... Continue reading
Basil Benyo thank you so much for your help through the purchase of this beautiful house. You were an instrumental part on handling every detail of it. I could have not done it without you. For ever your loyal customer.

Basil Benyo
Loan Consultant at First Mortgage(NMLS #1277999)
Kelley -
Did a refinance on our VA loan. We were able to get the rate we... Continue reading
Did a refinance on our VA loan. We were able to get the rate we wanted, And all went quickly and smoothly. Had a great experience with Basil Benyo! Thanks for everything.
Tamara Gillespie
Loan Consultant at First Mortgage(NMLS #924532)
Mark -
Tamara Gillespie helped us out with a refinance, and it was the easiest refinance we... Continue reading
Tamara Gillespie helped us out with a refinance, and it was the easiest refinance we have ever gone through. Highly recommend them.

Paul Brown
Loan Consultant at First Mortgage(NMLS #130697)
Rob -
I highly recommend First Credit Solutions for your home refinancing. Rates were very competitive at... Continue reading
I highly recommend First Credit Solutions for your home refinancing. Rates were very competitive at the lower end. My agent Paul Brown, was extremely proficient, easy to contact and was able to answer all my questions.
The required information was very easy to gather making the entire process very seamless and totally automated. Even at closing the attorney came to our house making it very convenient. I am extremely satisfied with the overall professionalism of Paul and his team and could not have asked for more.

David Barber
Loan Consultant at First Mortgage(NMLS #1482846)
Ronald -
Great experience working with First Mortgage Solutions and David. The refinance process was definitely different... Continue reading
Great experience working with First Mortgage Solutions and David. The refinance process was definitely different this time around with COVID and the extremely high demand due to low rates. We had originally looked to refinance with another company who proved unable to meet the challenges associated with COVID and we stumbled on First Mortgage Solutions when we looked for another option. Extremely glad we found them. COVID made refinancing different and little longer but David was there throughout. He constantly kept us informed and made sure our concerns were addressed in a timely manner. Great rates and great service.

Kim Shuey
Loan Consultant at First Mortgage(NMLS #410338)
Shawna -
Kim was so helpful when were purchasing our new home after a bankruptcy. She went... Continue reading
Kim was so helpful when were purchasing our new home after a bankruptcy. She went above and beyond to help us get a great interest rate and made loan process easy. If, and I mean IF we ever buy another home we will definitely use Kim for our mortgage. Thank again for everything.

Brandon Hoge
Loan Consultant at First Mortgage(NMLS #1529640)
Yabin -
I absolutely love working with Brandon from FMS. I refinanced my mortgage and got the... Continue reading
I absolutely love working with Brandon from FMS. I refinanced my mortgage and got the best rate that I could have. The whole process is super smooth; all the communication is always clear, timely, and professionally. I definitely recommend FMS to anyone who is seeking for a good mortgage solution.

Luke Baker
Loan Consultant at First Mortgage(NMLS #1599074)
Archit -
I worked with Luke, and am extremely satisfied with the full end to end process.... Continue reading
I worked with Luke, and am extremely satisfied with the full end to end process. Would definitely recommend him to anyone!

Jason Stuber
Loan Consultant at First Mortgage(NMLS #213855)
Drew -
Highly recommend Jason and First Mortgage Solutions. Everything went like clockwork during our closing. Whole... Continue reading
Highly recommend Jason and First Mortgage Solutions. Everything went like clockwork during our closing. Whole process was great.

Shelley Cox
Loan Consultant at First Mortgage(NMLS #95809)
Jan -
Shelley Cox made my refinance experience a great decision. She was always prompt to address... Continue reading
Shelley Cox made my refinance experience a great decision. She was always prompt to address my questions and concerns, building my confidence that she was working to provide me the best available interest rate. I felt valued as a client and a person. I highly recommend contacting Shelley about obtaining or refinancing a home mortgage. She’s a superb professional!

Stephanie O’Farrell
Loan Consultant at First Mortgage(NMLS #95809)
Blue -
I was a bit hesitant to depart from my mortgage consultant locally for an unknown... Continue reading
I was a bit hesitant to depart from my mortgage consultant locally for an unknown internet-based service, but I really can’t say enough about Stephanie. She answered every question (I had dozens) thoroughly, promptly and without any hint of impatience. She offered excellent advice during a highly volatile market, and she make the entire process not only far less costly (both in terms of fees and her rate), but it was actually far more convenient and easy than the refi’s I’ve done in person.

Tyler Epley
Loan Consultant at First Mortgage(NMLS #1957252)
Brian -
The level of service you provide is outstanding. I have purchased and refinanced houses before... Continue reading
The level of service you provide is outstanding. I have purchased and refinanced houses before and I was in the business for a number of years. The experience I had with you and Tyler was the best I have ever encountered. I wholeheartedly recommend your services and have already told my friends to call you if they need lending help. If I am ever in need of a mortgage again, you will be my first and only call. Thank you for taking care of us!

Mark Gennusa
Loan Consultant at First Mortgage(NMLS #202648)
Elisa -
It was a pleasure to work and learn from Mark. I reached out to Mark... Continue reading
It was a pleasure to work and learn from Mark. I reached out to Mark after learning he didn’t have any negative reviews but not aware of his other impressive background. We had a contract to close in 3 weeks which included the Thanksgiving holiday. Mark was confident that he could meet the timeline and provide a best rate. He and his team delivered. Mark is a standout with his enthusiasm, dedication, and responsiveness. I would suggest that he takes a break and rest from time to time. God bless! Diem Chau

Scott Peterson
Loan Consultant at First Mortgage(NMLS #294732)
Jill -
You will not be disappointed with Scott. He was amazing to work with. He kept... Continue reading
You will not be disappointed with Scott. He was amazing to work with. He kept you informed every step of the way. He was extremely responsive to any questions or concerns. You are in good hands with Scott. I highly recommend!

Jake Longhta
Loan Consultant at First Mortgage(NMLS #1595726)
Lauire -
Best Financing Company we have ever worked with! Jake and his team were always right... Continue reading
Best Financing Company we have ever worked with! Jake and his team were always right there making sure everything was perfect!

Jamie Buchmeier
COO at First Mortgage(NMLS #335259)
Lori -
Jamie did a great job helping me with a refinance. Answered all my questions….many had...
Jamie did a great job helping me with a refinance. Answered all my questions….many had to be explained in further depth for me to totally understand 🙂 So pleased to have this behind me and I would recommend him to help anyone with their quest to SAVE $$ and refinance now….

Mike Grier
Loan Consultant at First Mortgage(NMLS #1486507)
Joe -
Mike Grier walked me through the refinance of my current house. It was a very... Continue reading
Mike Grier walked me through the refinance of my current house. It was a very good experience and Mike was able to answer my questions and help work through issues as they arose. I would highly recommend Mike and First Mortgage Solutions!

Basil Benyo
Loan Consultant at First Mortgage(NMLS #1277999)
Judith -
Basil Benyo thank you so much for your help through the purchase of this beautiful... Continue reading
Basil Benyo thank you so much for your help through the purchase of this beautiful house. You were an instrumental part on handling every detail of it. I could have not done it without you. For ever your loyal customer.

Basil Benyo
Loan Consultant at First Mortgage(NMLS #1277999)
Kelley -
Did a refinance on our VA loan. We were able to get the rate we... Continue reading
Did a refinance on our VA loan. We were able to get the rate we wanted, And all went quickly and smoothly. Had a great experience with Basil Benyo! Thanks for everything.
Tamara Gillespie
Loan Consultant at First Mortgage(NMLS #924532)
Mark -
Tamara Gillespie helped us out with a refinance, and it was the easiest refinance we... Continue reading
Tamara Gillespie helped us out with a refinance, and it was the easiest refinance we have ever gone through. Highly recommend them.

Paul Brown
Loan Consultant at First Mortgage(NMLS #130697)
Rob -
I highly recommend First Credit Solutions for your home refinancing. Rates were very competitive at... Continue reading
I highly recommend First Credit Solutions for your home refinancing. Rates were very competitive at the lower end. My agent Paul Brown, was extremely proficient, easy to contact and was able to answer all my questions.
The required information was very easy to gather making the entire process very seamless and totally automated. Even at closing the attorney came to our house making it very convenient. I am extremely satisfied with the overall professionalism of Paul and his team and could not have asked for more.

David Barber
Loan Consultant at First Mortgage(NMLS #1482846)
Ronald -
Great experience working with First Mortgage Solutions and David. The refinance process was definitely different... Continue reading
Great experience working with First Mortgage Solutions and David. The refinance process was definitely different this time around with COVID and the extremely high demand due to low rates. We had originally looked to refinance with another company who proved unable to meet the challenges associated with COVID and we stumbled on First Mortgage Solutions when we looked for another option. Extremely glad we found them. COVID made refinancing different and little longer but David was there throughout. He constantly kept us informed and made sure our concerns were addressed in a timely manner. Great rates and great service.

Kim Shuey
Loan Consultant at First Mortgage(NMLS #410338)
Shawna -
Kim was so helpful when were purchasing our new home after a bankruptcy. She went... Continue reading
Kim was so helpful when were purchasing our new home after a bankruptcy. She went above and beyond to help us get a great interest rate and made loan process easy. If, and I mean IF we ever buy another home we will definitely use Kim for our mortgage. Thank again for everything.

Brandon Hoge
Loan Consultant at First Mortgage(NMLS #1529640)
Yabin -
I absolutely love working with Brandon from FMS. I refinanced my mortgage and got the... Continue reading
I absolutely love working with Brandon from FMS. I refinanced my mortgage and got the best rate that I could have. The whole process is super smooth; all the communication is always clear, timely, and professionally. I definitely recommend FMS to anyone who is seeking for a good mortgage solution.