Your home loan, handled with care from start to finish.
Get pre-qualified online in minutes, then work with a real local loan expert who answers your questions and keeps you informed every step of the way.
- No obligation
- About 5 minutes
- Secure & private
Three easy steps to your new loan
No confusing jargon and no surprises. Here's exactly what to expect.
Get pre-qualified
Answer a few simple questions online. It takes about 5 minutes and there's no obligation.
Review your options
We'll reach out to talk through loan programs, rates and payments — and answer every question.
Close with confidence
We handle the paperwork and keep you updated until you have your keys (or your new rate).
A loan for every chapter of life
Whether you're buying your first home, moving up, or refinancing, we'll help you compare options side by side.
Home Purchase
We'll answer all of your questions and walk you through each step, keeping everything transparent from start to finish.
Refinance
Get a better rate or term. Ask us about FHA, VA and USDA Streamline and conventional refinancing.
Cash-Out Refinance
Turn your home's equity into cash for renovations, big expenses or paying off higher-interest debt.
FHA Loans
Government-insured loans with down payments as low as 3.5% and flexible credit guidelines, including FHA 203k renovation loans.
VA Loans
Guaranteed by the U.S. Department of Veterans Affairs, with favorable rates and terms for eligible service members and their families.
Conventional Loans
Fixed-rate and adjustable-rate loans with competitive rates for qualified borrowers.
Hi, I'm Jackie.
When you call My 1st Choice Mortgage, you talk to me. I'll answer your questions, explain your options in plain English, and stay with you from pre-qualification to closing day.
Know your monthly payment before you shop
Use our free mortgage calculator to see your estimated payment, including taxes and insurance. Adjust the price and down payment to find your comfort zone.
- Principal, interest, taxes & insurance
- See how your down payment changes things
- Compare 15-, 20- and 30-year terms
$450,000 home · 20% down · 30-year fixed at 6.5%
- Principal & interest$2,275
- Property tax$375
- Home insurance$120
For illustration only. Not a rate quote.
Online convenience, local people
We can do everything online — but if you'd like to meet in person, we have two convenient locations.
Eureka Office
509 J St #106Eureka, CA
Meet in person by appointment — or handle everything online.
Common questions
Where do I start?
The first step is to get pre-qualified and fill out our online application. This gives us an idea of where you are, and from there we can choose which mortgage will be best for you. Start your pre-qualification or go straight to our full online application.
How can I find out how much home I qualify for?
Try our mortgage calculator to estimate your monthly payment, then get pre-qualified and we'll give you a personalized estimate.
Is there anything I shouldn't do while I'm getting pre-qualified?
Yes. Until your loan closes, please don't apply for new credit (credit cards, auto loans or other credit), co-sign a loan for someone, change or quit your job or become self-employed, skip payments on existing accounts, bills or loans, run up your existing credit on big-ticket items, or suddenly pay off all of your debts. Talk to us first and we'll help you plan.
What is mortgage insurance?
Mortgage insurance protects the lender if a borrower stops making payments. The borrower pays for it, which allows lenders to approve loans they might not otherwise make. It may be required on some loans when the down payment is less than 20%.
What's an APR?
The Annual Percentage Rate (APR) is the total cost of your loan expressed as a yearly rate. It includes loan points and other prepaid finance charges, which is why it's usually higher than the interest rate. To compare loans fairly, compare APR to APR.
Can I really do everything online?
Yes. You can pre-qualify, apply and send documents online. If you'd rather meet in person, we have offices in Eureka and Galt.
Ready to see what you qualify for?
It takes about 5 minutes, there's no obligation, and a real person will follow up with you.