Top Loan Officers for First Choice Loan Services
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Reviews for First Choice Loan Services
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Loan Officer
FHA NewJersey
How I Got My Home
I lost my home due to a large amount of debt I couldn’t pay. I am currently staying with some family friends in West Virginia which I am not really comfortable with because I love privacy in a large space. I tried applying for a loan in October so I could get a bigger apartment for myself. All along, I thought I had a clean record only to find out that I had an initial eviction and some other negatives with a very low score of 495 which prevented me from getting the loan I seek. I found XAPCREDITSOLUTION AT GMAIL online. I really appreciate contacting XAP. He helped me increase my score to a high 789 and all the negative items on my report were removed. I got every thing I required and even more. As I speak, I now qualify for almost anything. I'm now living in my dream home. I want to fulfill my promise to him for such a discreet delivery in a relatively short time and at an affordable price. So here I am recommending XAP Credit Solution. For a similar result on your credit, I think its best you mail the team and be ever grateful you did.
Loan Officer
FHA 3/1 Adjustable Rate Mortgage (ARM) NewJersey
Highly Recommended
When I and my wife started the process of purchasing our new home for us and our kids, we never expected to run into any problems with our credit report. We felt we were diligent in keeping up with our scores and what was reported without noticing any errors. We got faced with a significant credit reporting error that was going to make buying our home impossible. We were completely discouraged, and we felt helpless. From the moment we contacted 760Plus Credit Score, they were responsive, knowledgeable, and helped to set aside our fears. It was done in a way that also gave us realistic expectations, which we needed. We thank you immensely for helping us realize our long-term dream of becoming home owners. I’m recommending your services, as promised. Reach out to them via email: 760PLUSCREDITSCORE at GMAIL dot COM or text 8 1 5 5 2 4 8 1 1 6. Thank me later.
Loan Officer
FHA 30 Year Fixed NewJersey
Escrow has been calculated incorrectly for 5 months and counting; currently paying double what I should be paying!
First Choice first calculated my escrow incorrectly (over collecting due to reassessments that came in around the time of the refinance closing). I was told I could fix it after close easily. This was absolutely not true; it took nearly 6 months to do so. Then, when I was able to get the reassessment rolled back, First Choice did not recalculate my loan right now even though I provided them with a new property tax bill when the customer service rep asked me to do so. When I called back, they said that their policy did not allow within the time period I asked for the recalculation. I was told it was self-correct during the escrow analysis regular process in May. It was indeed recalculated. AT DOUBLE THE RATE when someone keyed in my property tax bill at the double the amount it should be. Now my bill is higher than when it was just wrong at the start of the year, and it is still wrong despite multiple calls to customer service. This is terrible lender, by the sheer neglect and gross incompetence of the escrow department alone.
Monica's Tip: Try not to use these people to begin with, as the process of fixing my escrow has been a nightmare. If there's no way around it, then you should at least
Loan Officer
Conventional 30 Year Fixed California
New House
Everyone was very helpful, explained everything
Loan Officer
Conventional 30 Year Fixed Oklahoma
Mortgage loan orginator
Very pleased with the service. Very helpful from beginning to end. No hassle at all.
Loan Officer
FHA 30 Year Fixed California
I HIGHLY RECOMMEND MR. ALLAN C. ALAGUENA! 5 STAR FOR HIM!
I met sir Allan during an open house in American Canyon, CA. My sister was looking for a house that time. To cut the story short, my sister got a new house through the help of sir Allan. After they closed, my husband and I asked for his assistance regarding Home refinance. He checked it ASAP and told us that in our situation now (our home $$$ went up) it is the right time to refinance. From the time we inquire until we closed, sir Allan never leave us, he guided us throughout the process. He is very professional, reliable and knowledgeable. He answer all our questions (simple or complicated) confidently. He is an expert in this industry. Whenever we request for something, he adjust it for us. Whenever we have unreasonable situation, he find solution for it. Whenever we are in doubt and we worry, he try to keep our mind doubt and worry free. Whenever we have questions, he always answers day and night. He explain all details. He will do his VERY BEST to help his client! (in any cases/situation). All our wishes that can help me and my husband are granted! Gratefully, we closed the refinance. :) Thank you very Sir Allan of First Choice for dealing with us. We really appreciate all your help and effort! You exceeded our expectations! We know that you will help more families out there! Keep up the good job! If you need help, look for him guys! MORE POWER! GOD BLESS! Michael and Aubrey of Vallejo, CA
Loan Officer
Conventional 30 Year Fixed California
Best company!
We worked with Michael Miley! I can't thank him enough for all he did for us! Him and his team were amazing! He was professional, available whenever we needed him. He guided us until the very end!!!! I will highly recommend him to anyone who looking to buy a house!!!! Thank you so much again! First Choice Loan is by far the best out there!!!!
Loan Officer
FHA 30 Year Fixed Pennsylvania
Was I really approved?
It started back in August or the beginning of September, when I started looking a home loan. I was given a loan offers name (T.S.), he contacted me constantly - I kept telling him that I wasn't ready because I want my credit score to go up a little higher so I can get a better rate. After almost a month and a half I finally gave in and let him run my credit (I also let Supreme Lending run my credit) the same day. Both of them said I was approved for $120K (not much, but that was fine with me). I decided to go with First Choice instead of Supreme Lending (BIG MISTAKE). As always in the beginning T.S. was very helpful, answered my telephone calls and/or emails, but never really wanted to send a preapproval letter or a good faith estimate, even after I found properties. My realtor would call and email T.S. but he never responded. I ended up finding a home that I wanted to put an offer on but T.S. took so long that it was gone, that happen with 1 or 2 other properties. Not even 2 months had gone pass and T.S. said he had to check my credit again to see if anything had change - this caused a drop in my credit score, so even if I wanted to go anywhere else to get a loan I would have been denied. Here I am 3 weeks away from getting kicked out of my apartment and I do not have a place to call home. Not once did T.S. say he was sorry or try to suggest other alternatives. Only thing he could tell me is my loan amount had gone down to under $90,000 so I will not be able to purchase even a townhome. This was very unprofessional and a complete was of my time. I spent nearly 3 months with this idiot and all the while he knew he was not going to approve me for a loan. I hate to blame the entire company for one numskull’s actions, but I will not do business with First Choice ever again. I should have run Supreme Lending's way but I thought this man was very serious about helping me, since he called and/or emailed me weekly. Not a fan or happy customer of F.C.L.S.
FHA 30 Year Fixed Texas
An extreamly happy customer.
Joe Shamie was able to get a mortgage for me in a very short period of time. He also made the process very easy for me. I thank him very much.
Loan Officer
Conventional 30 Year Fixed Florida
Excellent customer service
Very well versed in VA loans. From phone conversations he became more like a friend than a person just trying to solicit business for his company!
Loan Officer
VA 30 Year Fixed Wisconsin
Very Knowledgeable, Professional "No Nonsense" Approach
I am a repeat client with Joe Shamie. I have found him to be very quick, accurate and service oriented. He knows his business and is willing to use his knowledge to assist his clients to ensure the most favorable outcomes. I will look for Joe on future real estate transactions.
Ed's Tip: If timeliness, service and accuracy is important give Joe a call.
Loan Officer
Conventional 15 Year Fixed Louisiana
Joe was fantastic!
Joe was very professional throughout the process. He answered every question in a timely fashion and with complete honesty. I would recommend him to anyone looking to refinance their mortgage.
Loan Officer
FHA 15 Year Fixed
Refinance Review
Excellant service from First Choice although the actual loan approval was a little rediculous. My wife and I have always had credit scores of well over 800 and yet we were forced to provide additional information beyong what was reasonable in this situation, at least until I said "enough- approve it or not just let me know which so we can take other action".
Loan Officer
Conventional 30 Year Fixed
Always a pleasure
Joe and his team are very professional. Available anytime I had a question and was very polite and patient with me. I had a lot of questions! I have used Joe and his team two other times in the past on refinances. His closing times were always fast, but this time I used him for a purchase. I wasn't sure how fast he was going to be able to get the loan done, but he did not disappoint. The loan was ready in less than four weeks!
Loan Officer
Conventional 30 Year Fixed
First Choice/Joe Shamie review
My whole experience with Joe Shamie/First Choice was excellent. I'm not very good with financial matters, but Joe Shamie was wonderful about explaining everything so I could understand and he was very patient with me. He made this whole experience easy and pleasant, which I know is not always the case. Joe did all he could to get me a good rate. Joe also was so easy to reach even after hours we would text back and forth if I had more questions. His secretary, Dawn was also very helpful. I would highly recommend Joe Shamie and First Choice.
Vickie's Tip: Choose First Choice and Joe Shamie - it will make your refinance a painless process.
Loan Officer
FHA 30 Year Fixed
Best refinance experience!
great experience! Joe was fast, professional, knowledgeable, and patient! Closed 3 weeks after beginning application process. Amazing!
Loan Officer
Conventional 15 Year Fixed
ASK FOR JOE SHAMIE WHEN YOU CALL!
This is the second time we have gone with Joe Shamie because of his professionalism and excellent explanation to the loan process. He answered all our questions multiple times and was always available when we needed him.
Elizabeth's Tip: Ask for Joe Shamie, he is the best at what he does!
Loan Officer
Other 15 Year Fixed
personal information may be compromised
Although I liked working with Joe during the loan process, I was disappointed after the loan was processed: 1. The entire loan package with all sensitive info was emailed as an unsecured pdf attachment. I specifically asked the lender do not do it unless they password protect the file. The lender said that they would use their secure system to send the documents to me. However, I received my final closing documents as an unsecured email attachment. 2. The lender did not inform me that the lender fee is significantly discounted for Costco members. 3. The lender ordered an expedited service twice to get the payoff information from BoA. This is the most expensive way to get this information. Per BoA’s website, the payoff statements are issued for free unless an expedited service is requested. There was no need for the lender to order these statements twice using the expedited service or at least I should have been offered a choice whether I want to pay for the service that cost money. 4. The rates at this bank are not the most competitive and the lender’s fee is high, so shop around.
Loan Officer
Conventional 15 Year Fixed
Highest Recommendation for Joe Shamie
We would highly recommend Joe Shamie for anyone contemplating refinancing their home. Joe is clear, professional, patient and highly effective. He helped us to work through alternatives to find the best and lowest possible rate for us. He is accessible and responsive and well-supported by a top-flight team at First Choice Loan Services. Our refi was completed quickly and accurately (and the added benefit of the relationship between First Choice and Costco was an added bonus for us).
Loan Officer
Conventional 30 Year Fixed
Quick service and informative
Joe was very helpful, responsive, and didn't rush me when I had questions. He helped us get a good rate and getting through all of the documentation for the refinancing was rather straightforward. I'd use him again.
Loan Officer
Jumbo 30 Year Fixed
Recommendation
Joe Shamie is wonderful to work with. I have refer several of my friends and business associates to use him for their closing. He is honest, thorough and is always forthright with all information good or bad. I would highly recommend him.
Loan Officer
Conventional 20 Year Fixed
Patrick Fischer
Joe did an outstanding job for me. I will use him in teh future and reference him to any other people I know needing home mortgage loans.
Loan Officer
Conventional 30 Year Fixed
Home Refinancing
The process was what I expected, but taking a little longer than anticipated.
Loan Officer
Conventional 30 Year Fixed
First Choice Mortgage should be your choice
We decided to do a refinance with First Choice Mortgage via the internet which at first did not seem a safe method due to internet security risks but as we moved forward we were able to get documents back and forth in a secure method via their web site. Joe Shamie did an excellent job at explaining all the pros and cons surrounding the refi and gave us insight on choosing an 5/1ARM vs a 15 year and they also matched Costco lender fees. Yes there was alot of documentation to procure but thats the practice in the non-toxic loan industry today
Jeff's Tip: Talk to Joe Shamie.....he knows his stuff
Loan Officer
Other 5/1 Adjustable Rate Mortgage (ARM)
traditional refinance
Joe was very easy to work with and helped get the refinance done on our original timeline even when we few bumps arose along the way. Very responsive. Would be happy to do my next refinance with Joe.
Loan Officer
Conventional 30 Year Fixed
10 year fixed
Shame on me... I refinanced to a low rate hastily without doing my homework. With a credit rating of 807, I should have gotten a top rare, which I didn't. A rate of 3.25% isn't bad, however on a 10 year fixed loan and my credit score, my rate should have been in the 2's. I jumped into the loan without doing my homework..trusting I was getting he best rate.
Loan Officer
Other Other
Great and easy to deal with
Joe was extremely helpful in getting me through my refinance. He was able to beat other lenders offers and work around my schedule to get it completed. Highly recommended.
Loan Officer
FHA 30 Year Fixed
