Just to tell you a little about us, First Choice Mortgage has been in business since 1993.  We were recently voted 2006 WAMB Mortgage Broker of the Year!  There is truly no company that does what First Choice does.  Our effectiveness stems from our system of referrals, our mastery of Mortgage Programs and our industry leading compliance department.  Quite simply put, we hold ourselves to a higher standard!  Zero Down Homebuyers, Investment Properties, First Time Home Buyers, Cash Out Refinances, Low Rate Seekers and Industry Professionals thank you for reading.

You have questions and you deserve to feel comfortable with your purchase process.  I work by referral only, by providing solid advice and great prices but most importantly by respecting my clients opinions and needs.  Make your loan process enjoyable by allowing me to give you the respect and attention you deserve. 

I have strong expertise with Refinances and Lower Rates and Terms.  I often have a borrower call who is looking to just save some money.  After a consultation I will find the clients real desires are to pay the home off before they retire!  Several of my clients have gone from 30-20 or 30-15 year terms and had their payments go up or down only $50 per month.  They end up saving over $100,000 over the life of their loan this way!

Aside from my ability to use the two most important FTHB purchase programs FHA and WHEDA, there are some exciting new Fannie Mae programs that allow First Time Home Buyers to purchase at very low rates.  The online underwriting engines allow us to process and complete the loan transaction faster than ever before.  Since I am very resourceful I may be able to get your buyers pre-approved when other Loan Originators have not been able to. 

Our State and Federal VA loan programs are a fantastic option for Wisconsin Veterans.  These loans feature no down payment and no PMI!  First Choice will even help you access your certificate of eligibility and introduce you to a Realtor who knows how to work with the specific needs of Veterans.  Veterans make sure to take advantage of this incredible opportunity!

I am also a local For Sale By Owner marketing expert.  I assist FSBO's in marketing their homes and provide useful information to sellers and buyers to assist them during their sale and purchase.  When a seller succesfully drives a borrower to us for financing we then provide them with below market financing, should they qualify.

I went to Home Depot yesterday to pick out ideas for redoing the interior of the house.  Everything looks just wonderful together the colors co-coordinate so well together.  I picked out the paint, linoleum to carpet I just can't wait.   Then I'm looking into new curtains and valences.  This is a lot of fun to see how this is coming together.  You're right, you do make dreams a reality, you kept your word.  See you soon."     Mary Jo and Wayne from Sun Prairie

"I thought that Joe was very personable.  He treated us like we were friends, with respect and patience. I have to say that we were very pleased with the whole experience. I'd have no problem recommending him to my friends."        Victoria and Larry from Madison

"Joe, you have been just wonderful, I would recommend you to anyone!"    Donna from Kenosha

"Although we are not able to work together, Joe was so kind to offer me advice on a loan and has tried to help me in anyway he can with buying a home. I trust him and would definetly recommend him to any of my friends!"     Toni from Washington State