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.
What our clients are saying
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My wife and I worked with Steve through the purchase of our first home. When our realtor let Steve know there were other offers he reduced the time to close our loan to help us be competitive. When it came time to refinance we worked with Steve again and he took great care of us. We are customers for life.
J Hall
June 6, 2023Steve knows mortgages! 🤩
Troy Warner
November 10, 2024Steve Jones is the best. I have had my Real Estate license go over 30 years and Know what it means to have a Loan Officer that is competent, Keeps up with the vast financing changes. Best of all no problems at the closing table. That is very Priceless. Steve is my Number One .
Jolynn Petrlich
June 10, 2023 -
Steve helped us with a refinance and did an amazing job. He made sure we understood the process and with his help we were able to obtain a lower rate. Thanks Steve!
Tanya Martin
June 6, 2023Steve Jones is the best. I have had my Real Estate license go over 30 years and Know what it means to have a Loan Officer that is competent, Keeps up with the vast financing changes. Best of all no problems at the closing table. That is very Priceless. Steve is my Number One .
Jolynn Petrlich
June 6, 2023I have worked with Steve for many years. I just can't say enough good things about him. There is nobody I trust more than Steve with all my personal information. I value his option and trust is knowledge. Steve has not only helped with the lending on all of my houses but has gone the extra mile helping me with the real estate issues in my divorce and with the property in my late mom's estate. He has always come through for me even when it didn't seem possible. I always look forward to working him. I am sure we will have many more projects working together!! Thanks Steve!!!!
Shawn
June 6, 2023
