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Make First Financial Your Search Engine for Mortgage Money

Personalized Mortgage Advice Put in Your Pocket

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At the cutting edge of mortgage industry automation, A-rated online service First Financial ensures home borrowers find their loan with the optimum of convenience and savings. Thanks to the Internet and the constant advance of technology, we attain both goals year after year. You won’t find a lender with more or better rates and options or clearer answers. The mobile accessibility we provide brings the lender’s office right into your living room or car or work place, ready to make their best deals to win your business. Operating now since 1996, we also guarantee the highest levels of banking security available in the United States! 

Simplicity and Savings . . . for the Biggest Purchase of Your Life

First Financial offers the simplest, but most powerful online and mobile pathway between you and your long-term home financing partner. Our technology is so sophisticated, when you inquire or apply, all you see is a few screens with a question and a selection of answers. Our programs and algorithms find the ideal lenders for your situation far faster than any broker can. You’ll see your rates without any impact on your credit score.

Simplicity and Savings . . . for the Biggest Purchase of Your Life

First Financial offers the simplest, but most powerful online and mobile pathway between you and your long-term home financing partner. Our technology is so sophisticated, when you inquire or apply, all you see is a few screens with a question and a selection of answers. Our programs and algorithms find the ideal lenders for your situation far faster than any broker can. You’ll see your rates without any impact on your credit score.

To provide even more to our customers, we’ve put all the critical information a banker or broker may or MAY NOT provide into our mobile app and desktop, laptop or tablet interfaces. To add to your fun, you get all your own answers without a salesperson pressing you for a decision.

These sophisticated tools will:

  • point out areas in each mortgage offer that have room for improvement (these offers aren’t set in stone, after all.)
  • provide negotiating tips and statements for each potential negotiation point so you can fight for a better offer once you are on the phone;
  • put current loan offers in easily digestible format so you can make them compete on specific so you win the best interest rates and terms;
  • provide interactive charts to show how the other loan offers you’ve received outside of our tool compares to the offers we present;
  • see customer ratings and reviews;

When was the last time your broker or banker did all this for you? First Financial’s carefully screened partners do!

Turned Down For A Home Loan?

First Financial Welcomes Borrowers with ALL Credit Scores

Did you spend emotional energy feeling disappointed that a traditional bank rejected your application? Where once that was a big deal . . . anymore? Not so much.

The mortgage loan process has flipped upside down in the past eight years. Once, borrowers felt lucky to win a loan from the bank where their savings and checking accounts resided. In addition, borrowers with fair, poor and bad credit didn’t have a chance. Neither of those realities hold true today.

A 2014 report from Harvard School of Business reveals that the number of mortgages traditional banks win each year has been declining since 2010. The number of loans alternative lenders win, on the other hand, has been increasing by double digits and even doubling year over year in some cases. The public is learning they can save on their biggest monthly payment with an alternative online lender that keeps their information just as safe as a traditional bank. This trend is gaining strength.   

Home Loan Eligibility

The second big shift involves the qualification process. Just three years ago, banks would not loan to borrowers with fair, poor and bad credit scores. The specter of the housing crash frightened lenders away. Fast-thinking alternative online lenders flooded this vacuum, filling a need for those whose bankruptcies and defaults would drop from their credit reports in a few years anyway. First Financial’s network of lenders has products that fit each credit score and financial situation precisely so that the lending decision is no longer black or white, yes or no based on one credit report score. We know those in all walks of life and all credit pictures should have access to money to achieve home ownership. This expansion of loan products is great news for the majority of Americans (56% to be exact), considered “subprime” borrowers.[1]

Make First Financial Your Search Engine for Mortgage Money

We like to use the analogy of a search engine for mortgage money because the options—while maybe not as plentiful as pizza parlors in your city—have exploded. Everyone in America should know this!

First Financial can help you qualify to buy a new home, stay in your current home, lower your payments and get needed cash out . . . and you can do it all from home, online and in a matter of minutes. First Financial delivers at least 5 quotes within minutes of your application and even more within 24 hours.

Still considering your options? Feel free to follow us on Facebook where we upload money maximizing tips regularly.

[1] Marte, Jonelle.The majority of consumers have subprime credit scores, report says.”  The Washington Post. 29 January 2015


First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217

 

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