First Choice Loan Services

95% of customers would recommend First Choice Loan Services

Top Loan Officers for First Choice Loan Services

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Customer Reviews

4.5 of 5
23 Reviews
Responsiveness 100%
Product met needs 96%
Competitive rate 91%

Reviews for First Choice Loan Services

March 03, 2017 at 10:09 AM
Recommend's Michael

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
Closed on time
Responds quickly
Loan met my needs

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November 26, 2014 at 5:56 PM

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
Responds quickly

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December 05, 2013 at 11:55 AM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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November 26, 2013 at 12:17 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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November 25, 2013 at 5:22 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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August 14, 2013 at 3:42 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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July 09, 2013 at 11:51 AM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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June 19, 2013 at 1:08 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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June 19, 2013 at 11:20 AM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 31, 2013 at 12:40 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 27, 2013 at 12:00 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 24, 2013 at 12:45 PM

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
Closed on time
Responds quickly
Loan met my needs

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May 19, 2013 at 8:15 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 13, 2013 at 6:01 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 09, 2013 at 1:32 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 09, 2013 at 8:23 AM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 08, 2013 at 7:17 AM
Recommend's Joe

Home Refinancing

The process was what I expected, but taking a little longer than anticipated.

Loan Officer
Conventional 30 Year Fixed
Closed on time
Responds quickly
Loan met my needs

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May 08, 2013 at 6:37 AM
Recommend's Joe

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)
Closed on time
Responds quickly
Loan met my needs

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May 06, 2013 at 4:42 PM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 06, 2013 at 5:55 AM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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May 01, 2013 at 6:53 AM
Recommend's Joe

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
Closed on time
Responds quickly
Loan met my needs

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