Explore mortgage options with Steve Jones - First Class Home Mortgage
Steve Jones with First Class Home Mortgage is a discount mortgage broker dedicated to offering clients top-quality financial services paired with low rates and fees. As an exceptional mortgage professional, Steve works one-on-one with you to deliver a financing solution tailored to your unique needs. Whether you’re buying your dream home, refinancing an existing loan, or consolidating debt, Steve and the experienced team at First Class Home Mortgage will help you find the right loan program at a competitive rate, no matter your goals.
Steve’s mission is to build lasting relationships with every client while providing outstanding service for years to come. Unlike larger nationwide mortgage companies, First Class Home Mortgage keeps your information secure and private. Trusted throughout the community, Steve invites you to call anytime to speak directly with an experienced mortgage professional or explore the interactive tools available on the site. He and his team look forward to working with you.


Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.