Augusta's Trusted Local Lender and Broker · Since 1992
The right loan,
since 1992.
First Choice Mortgage is an independent Augusta lender and broker. We shop a full range of programs — VA, FHA, Conventional, USDA, Refinance — so you get the right one for your situation, not just the one available at one bank.
Loan Programs
Built around the buyer, not the bank.
As an independent lender and broker we have access to dozens of investors. That means we can match the program to the borrower — not the other way around. Pick the one that sounds like you.
Priority for Fort Gordon
VA Loans
$0 down, no PMI, built for veterans, active duty, and PCS families. Augusta's biggest VA loan market.
- $0 down payment
- No private mortgage insurance
- BAH-friendly payments in Columbia County
- We handle the VA paperwork
Check VA Eligibility →
First-Time Buyers
FHA Loans
As little as 3.5% down. Credit scores from 580 may qualify. No judgment — we'll find a path.
- 3.5% down minimum
- Credit from 580 considered
- DPA programs in GA & SC
- Side-by-side vs. Conventional
See If I Qualify →
Strong Credit
Conventional Purchase
Today's conventional rates with a personalized payment estimate — no credit pull required.
- Live rate widget
- Payment calculator
- Move-up purchases
- Direct LO contact
Get Today's Rate →
Equity-Rich Owners
Refinance / Cash-Out
See how much you could save or unlock. We'll model both rate-and-term and cash-out options.
- Lower-rate refi
- Cash-out for projects
- Debt consolidation
- Savings calculator
How Much Could I Save? →
Rural GA & SC
USDA / Rural
$0 down for eligible rural addresses across the CSRA. Check if your address qualifies in seconds.
- $0 down payment
- Below-market USDA rates
- Address eligibility check
- Rural GA + SC coverage
Check My Address →
Above $837,500
Jumbo Loans
High-end purchase or refi? We shop VA Jumbo, Conventional Jumbo, and Non-QM Jumbo side by side.
- VA Jumbo for veterans
- Conventional Jumbo for strong credit
- Non-QM Jumbo for self-employed
- Multi-investor pricing
Compare Jumbo Programs →
Self-Employed & Investors
Non-QM Loans
Bank statements, 1099s, asset depletion, DSCR for investors — real loans for non-traditional income.
- Bank-statement programs
- DSCR investor loans
- Asset-depletion qualifying
- 1099 / P&L only options
See If I Qualify →
Not Sure Yet?
Talk to a Local Loan Officer
Skip the form. Call us or schedule a 20-minute call with Dirk and the team — we'll tell you which program fits.
- Real local people
- Same-day callbacks
- No high-pressure pitch
- Direct phone access
Contact the Team →
Why local matters
You'll talk to someone in Augusta — not a call center.
Online lenders sell speed. We sell certainty. After 30+ years closing loans across the CSRA, we know the underwriters, the appraisers, the agents, and the builders. When something needs to move, we know who to call.
- Independent lender and broker — we shop multiple investors
- Local underwriting relationships, fewer surprises
- Direct cell-phone access to your loan officer
- Familiar with VA, USDA, and DPA programs unique to GA & SC
By the Numbers
30+
Years serving the CSRA
5★
Google reviews from clients
VA · FHA · Conv · Jumbo · Non-QM · USDA
Programs shopped
GA · SC
Licensed states
First Choice Mortgage · NMLS# 148371 · GRMA# 5819 · Equal Housing Lender.
Ready to see your number?
Two minutes. No credit pull. We'll come back with a real rate range and the right program for your situation.