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WHY CHOOSE US?

First Choice Loan Services, A wholly owned subsidiary of First Choice Bank, is a direct lender. As an FDIC insured bank, we can offer you GREAT RATES, LOW CLOSING COSTS and UNPARALLELED SERVICE. For a customized rate quote, please call JOE SHAMIE 866-970-3400x-274 OR 732-859-2424 (CELL). Feel free to email me at: JSHAMIE@FCBMTG.COM


With loan production offices in Arizona, New Jersey, Pennsylvania, Maryland, Florida, Texas, Colorado and California, First Choice Loan Services Inc. (a wholly owned subsidiary of First Choice Bank) is dedicated to delivering residential mortgage products on a national platform, as direct lenders, offering Conventional, FHA, and VA loan products. We achieve this by offering the great rates you need, the "big bank" products you expect, and the friendly neighborhood service you can value. Come to First Choice today to do your borrowing with people who genuinely care about you and want to help you achieve your financial goals.


In addition to being a NATIONAL DIRECT LENDER, our processing, underwriting and funding are all done "in house". This gives us the ability to close your loan FASTER THAN OUR COMPETITORS. We are a HUD approved lender as well.


CHECK OUT OUR ENDORSEMENTS AND TESTIMONIALS BY CLICKING ON THE "ENDORSEMENTS" OR "TESTIMONIALS" TABS ABOVE!


WE ARE ONE OF THE HIGHEST RANKED LENDERS ON LENDER411.COM!


**The rates and APR's published above are for rate & term refinances or purchases of a single family residence in New Jersey with a credit score of 740+, a 30 day rate lock and an LTV of 60% or less. Rates may differ based on the state in which your property is located. If you are taking cash out and borrowing more than 60% of the home's value, rates may be higher than those published here. If you are waiving escrows, an escrow waiver fee MAY apply. Rates for investment properties are always higher and may have additional restrictions.


Joe Shamie- The Real Deal!!!
After getting the run-around with a couple of other mortgage lenders, we found that Joe was the most knowledgeable regarding our refinance options. He took the time to understand our needs and then come up with the most viable options. He took us through each step of the process and was prompt and thorough with his follow-up. In the end we were able to re-finance our home and save approximately $500 per month. We would recommend him highly to anyone interested in re-financing a home.Best, Paul K.Haverhill MA
By paulkow on February 26, 2013
Thanks Again
I wanted to thank you again for your hard work and success in helping me get this low rate and save me money. Although your office lost power for almost two weeks after "Super Storm Sandy", you did not llet that get in the way of getting my loan closed. I'm glad you made it through that rough and unfortunate episode. You went out of your way to stay in touch and that made a big difference to me. Take care, be safe, and have a Happy Holiday Season. John D. Rixeyville, VA
By jondietrich on December 10, 2012
Smooth Refinance
Joe,I wanted to thank you and your team for making my refinance smooth, with very good instructions and answers to my questions. You definitely delivered on everything you committed to doing. I might add, even with the devastation from hurricane Sandy up the East coast and centered on NYC and New Jersey, you were still making things happen. Considering that the interenet, power distribution and cell phone access were limited, you still pushed forward. Thank you! In closing, I hope the referral I sent you works out and I'm sure it will.Best regards,Tim from the Alabama Gulf Coast
By tbridges on December 7, 2012
Thank You
Joe:I just wanted to take a moment to say THANK YOU for your professional assistance in helping us throughout the process of Re-Financing our Mortgage. It was a very smooth, easy process and you provided us with the guidance and information we needed throughout the process. You personally where always available, knowledgeable and informative answering any and all questions/concerns that we had. Thank you again for making the process so smooth!Tracey Y., Red Bank, NJ
By TraceyY on November 7, 2012
chart_bar Mortgage Rates: 16 Result(s) Found
ProductFeesRateDisPntOrgPntLnAmtMinLnAmtMaxLockIntOnlyDate
30-year-fixed $995.00 3.875 1.500 0.000 $0 $417,000 30 No Jul 22
30-year-fixed $995.00 4.000 0.630 0.000 $0 $417,000 30 No Jul 22
30-year-fixed $995.00 4.125 0.000 0.000 $0 $417,000 30 No Jul 22
20-year-fixed $995.00 3.750 0.000 0.000 $0 $417,000 30 No Jul 22
15-year-fixed $995.00 3.000 1.500 0.000 $0 $417,000 30 No Jul 22
15-year-fixed $995.00 3.125 0.880 0.000 $0 $417,000 30 No Jul 22
15-year-fixed $995.00 3.250 0.250 0.000 $0 $417,000 30 No Jul 22
5-1-arm $995.00 3.125 0.000 0.000 $0 $417,000 30 No Jul 22
7-1-arm $995.00 3.375 0.000 0.000 $0 $417,000 30 No Jul 22
30-year-fixed $995.00 3.875 1.130 0.000 $417,001 $625,000 30 No Jul 22
30-year-fixed $995.00 4.000 0.500 0.000 $417,001 $625,000 30 No Jul 22
15-year-fixed $995.00 3.250 0.880 0.000 $417,001 $625,000 30 No Jul 22
15-year-fixed $995.00 3.375 0.250 0.000 $417,001 $625,000 30 No Jul 22
15-year-fixed $995.00 3.500 0.000 0.000 $417,001 $625,000 30 No Jul 22
5-1-arm $995.00 3.250 0.000 0.000 $417,001 $625,000 30 No Jul 22
7-1-arm $995.00 3.500 0.000 0.000 $417,001 $625,000 30 No Jul 22
Click on the fees to see details
Tuesday - July 22, 2014, 10:25am ET Current Trend Direction: Sideways, stalling at resistance Float/Lock Bias: Carefully Floating Current Price of FNMA 4.0% Bond: $105.59, -6bp Bonds are just slightly higher after dealing...
read more...
Monday - July 21, 2014, 10:45am ET Current Trend Direction: Sideways to higher Float/Lock Bias: Carefully FloatingCurrent Price of FNMA 4.0% Bond: $105.75, +16bp Mortgage Bonds begin the week near unchanged levels in the...
read more...
Thursday - July 17, 2014, 11:05am ET Current Trend Direction: Sideways, stabilizing Float/Lock Bias: Carefully Floating Current Price of FNMA 3.5% Bond: $102.25, +16bp Weak housing data is boosting the Bond markets this...
read more...
Wednesday - July 16, 2014, 12:50 pm ET Current Trend Direction: Sideways to lower Float/Lock Bias: Carefully Floating Current Price of FNMA 3.5% Bond: $102.03, -6bp Positive economic news out of China, better than expected...
read more...
Tuesday - July 15, 2014, 11:20am ET Current Trend Direction: Sideways, just below support Float/Lock Bias: Carefully Floating Current Price of FNMA 3.5% Bond: $102.03, -9bp Mortgage Bonds are just a tad lower despite better...
read more...
Monday - July 14, 2014, 11:30am ET Current Trend Direction: Sideways along support Float/Lock Bias: Carefully FloatingCurrent Price of FNMA 3.5% Bond: $102.28, -12bp Better than expected earnings from Citigroup is lifting...
read more...
Thursday - July 9, 2014, 10:10am ET Current Trend Direction: Higher Float/Lock Bias: Cautiously Floating Current Price of FNMA 3.5% Bond: $102.62, +22bp Stocks around the globe are lower on news that Portugal's second...
read more...
Wednesday - July 9, 2014, 12:15pm ET Current Trend Direction: Stabilizing, testing resistance Float/Lock Bias: Cautiously Floating Current Price of FNMA 3.5% Bond: $102.19, -12bp After a 2-day rally, Mortgage Bonds are little...
read more...

One of the most common concerns people express is proceeding with a transaction for their largest asset on the internet.

I understand that concern and I will go to great lengths to make you feel comfortable. The testimonials below are ALL from people like you, who turned to the internet for the best rate and lowest fees for their financing needs. They did not know me when the process started but they are now my satisfied clients.

I hope these testimonials will make you feel more comfortable doing business with me. If you wish to speak to any of these people just let me know. I will be happy to provide you with an email address so you can ask them anything you like.


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Joe,


I wanted to thank you and your team for making my refinance smooth, with very good instructions and answers to my questions. You definitely delivered on everything you committed to doing. I might add, even with the devastation from hurricane Sandy up the East coast and centered on NYC and New Jersey, you were still making things happen. Considering that the internet, power distribution and cell phone access were limited, you still pushed forward. Thank you! In closing, I hope the referral I sent you works out and I’m sure it will.


Best regards,


Tim from the Alabama Gulf Coast


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 Joe:


I just wanted to take a moment to say THANK YOU for your professional assistance in helping us throughout the process of Re-Financing our Mortgage.  It was a very smooth, easy process and you provided us with the guidance and information we needed throughout the process.  You personally where always available, knowledgeable and informative answering any and all questions/concerns that we had.
Thank you again for making the process so smooth!


Tracey Y., Red Bank, NJ


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I found that the refinance process with Joe Shamie and his team at First Choice Bank was much easier than expected. Although I noted that underwriting standards have been increased requiring more time to close that in the past, Joe and his team kept to their promise of timely communications, which was welcomed given my location in Massachusetts and theirs in New Jersey. I also found them to be competitive on rate, as they granted my request for a lower rate with a "float down" option when rates dropped during my refinance process. Lastly, I really appreciated a direct phone call from Joe responding to my initial online refi inquiry as opposed to the many "robo" calls that I received from his competitors.


Larry Cosmo, Hopkinton, MA
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I am a resident of West Windsor, NJ who bought a house eight months ago in June 2011 with a mortgage rate of 4.875% at the time. One month ago, in February 2012, I was shopping to refinance this loan, as the interest rate has fallen considerably. I did not know where to begin as there were so many lenders offering various deals. I called the banks I knew, and one immediately even locked in the rate as soon as they checked my credit, without going into other details. Finally I checked online, and called First Choice Bank. It was Mr. Joe Shamie who responded to my call. He stood out from the rest of the crowd, who was trying to get my business. He was very professional, and took time to explain and respond to all my questions. If there was an obstacle during the process, he certainly knew how to get around it. He gave me a lot of confidence and a difficult process was made to look easy. He was always available to my numerous phone calls to advise me.


I believe I was very lucky to make that phone call and have Mr. Shamie as my loan officer.  Mr. Shamie is licensed to do business in all fifty states, and I have no hesitation to recommend him to anyone who is interested in obtaining a mortgage loan.


Nihal Siriwardane, West Windsor, NJ


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I was lucky to find Joe Shamie to refinance our home loan years ago and have worked with him for 3 loans/refinances.  Initially, I went to Joe because he offered the best rates and the least cost.  But in the case of Joe, the expression "you get what you pay for" doesn't apply.  The service and support he provides is far beyond any other mortgage broker I talked to, even those with triple the costs.  I've never dealt with someone so willing to spend so much time helping me to fully understand the answers to any questions I had.  Joe truly understands how stressful home loans can be and how to help.  He is a straight shooter and follows through on everything.  If you work with Joe Shamie, you can feel safe knowing you are getting an amazing loan but with a support level that cannot be overstated.  I cannot recommend him highly enough.


Shawn K. Lynnwood, Washington
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Joe:


Thank you for your wonderful help as offered during my recent refinance.  The professionalism and expertise you delivered in explaining the procedures, rules and regulations and specialty requirements related to condominium mortgages truly offered me the best options available today.   Your persistence in making sure all paperwork was completed and filed to my advantage was truly appreciated.  As you know – this is the second time I have used your services as a Mortgage Banker.   I truly believe, however, it is the person that makes the effort and solidifies the customer service experience.  You have proven that theory to me – twice!  Please keep in touch.  I will gladly bring my mortgage business to you personally, as well as offer all of my friends and family your reference.


Thanks Joe!


Nancy Predatsch, Stillwater, MN


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I have worked with Joe on several home mortgage refinancing's and each time he was very professional, knowledgeable, responsive and diligent in addressing any questions that we had. I would not hesitate to recommend working with Joe to address your mortgage refinancing needs.


Gary Eichenbaum, Belle Mead, NJ
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I’ve worked with Joe on several purchase/refinance mortgages. He genuinely worked to understand my financial picture so that he was is able to recommend the best mortgage solution and always takes the time to explain in detail the specifics of each transaction from application to closing. He has answered my questions diligently and is a pleasure to work with. I have and will continue to recommend Joe to friends and business associates. –


Chris W, Colts Neck, New Jersey


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Joe Shamie is a consummate professional


I am pleased to recommend Joe Shamie. Being a retired banker, I have a pretty good insight into mortgage lending. Joe, although I have not met him personally, we have just refied our home mortgage with Joe and his company. He has his stuff together. Joe is a consummate professional and perhaps the best mortgage lending officer I have ever worked with.

We were able to obtain a 30 year refinance at 4.125% with no points to pay and a minimum of fees. The process took about six weeks but we were in Greece for two of them.

I highly recommend Joe and his company. Give him a call. He is very attentive.


Peter Burnett, Vacaville, California


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Top Notch Professional


Joe did the loan for my house purchase. This man is a rare example of a true professional. From the very first conversation with him, I noticed a big difference from others (and I've talked to many). He was completely knowledgeable with all aspects of home loans and everything else involved in the house purchase process. During the pre-application process he listened to a barrage of my questions, probable what-if scenarios (how much will I lose if this goes wrong, etc.) and on each of those he had an answer (and he suggested tweaking the loan amount for a better rate). During the whole process, he was able to predict potential problems (with other parties involved) and guide me to a speedy closing. Excellent communication skills. He is available all the time (Joe, do you sleep at all?). His responses are superfast, you send him an e-mail, response comes within minutes. Joe is an honest person. This is a nice change from others that use various tricks in order to squeeze more dollars as one gets near the closing date. Joe even pointed out the unnecessary charges on the HUD, which got corrected. Not to mention that the appraisal fee was even less than what he estimated at the application process. Joe, thanks again for helping my micro-managing, always-inquisitive self during this house purchase.


Vladimir Guranovic, Basking Ridge, New Jersey


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I just completed my refi with Joe Shamie today and am very pleased with the result. I was a bit leery about dealing with an out-of-state lender, especially given the recent shenanigans in the lending industry. But Joe Shamie was professional and responsive, plus he got me a killer rate that could not be matched by my local broker. I took a chance and it worked out very well for me - thanks, Joe!


Daran Edmonds, Chapel Hill, North Carolina


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JOE SHAMIE IS SIMPLY AWSOME

This gentleman must be the most efficient, responsive and no-nonsense kind of guy in the mortgage world that I have come across. He truly rendered the re-fi process down to a painless 1-2-3 path and BAM you are done!!! He gave me the best rate compared to 5 other quotes and did not play any games with me.


Thank you Joe!


I highly recommend Joe Shamie for all your mortgage needs.


Kim Kieu, Bellevue, Washington


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Dear Joe,


Laura and I would like to thank you for the recent mortgage that we got from your company. Despite our initial concerns about dealing with someone we never met and only knew through the internet and telephone calls, we were extremely happy with not only the excellent rate, but your responsiveness to us and your ability to answer any and all questions we had, as well as the customer service that you provided from start to finish.


Laura Lerner & Ben Betzalel, Newton Highlands, Massachusetts


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The Absolute Professional!


I googled "Discount Mortgages" on a Friday afternoon (Pacific Time). I picked four possible Lenders and e-mailed them all. Joe Shamie called me at 4:30PM that day, and 30 minutes later we had most of the work done. Of the other three Lenders, I heard from one 5 days later and not at all from the other two.
The whole experience was smooth and easy and the Rate was the best! Joe Shamie always answered his phone or called back within five minutes if I had a question. We've done many of mortgage transactions over the last 40 years but none as easy and professional as this one.
Use Joe Shamie with confidence!!


Gary Williams, Seattle, Washington


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Dear Joe,


Ray and I would like to extend our thanks and appreciation to you for the outstanding service you provided us in handling the refinance of our home. In light of the great stress you endured and the obstacles you had to overcome to keep everything on track, your professionalism and knowledge of the business is exceptional.


Hopefully interest rates will go down again and we will be in need of your services for a third time.
Thank you again.


Ray and Paula Cadoret, Hopedale, Massachusetts


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I have the occasion several times over the last 5 years to work with Joe Shamie on the refinancing of my home. I met Joe over the internet. I was very impressed with my initial conversation with him as I was exploring opportunities with several lenders. His expertise, integrity, professionalism and responsiveness were all qualities that were, and still are, extremely important when making decisions regarding a home mortgage.


Joe offered an extremely attractive program that offered essentially a free refinancing for the life of my loan program enabling me to have to most attractive rates possible. I took advantage of this program on a few occasions over the last 5 years and Joe executed the program with that same degree of integrity, expertise and efficiency each time.


I strongly recommend Joe Shamie for all your current and future home financing needs.


Vicki Sinisi, Whitehouse Station, New Jersey


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Joe,


It is always a pleasure to express not only my appreciation but to recognize you as a "class act".
Your professionalism and your ability to explain details to my wife and I not only helped us understand everything, but assisted our family to refinance our home twice through your organization. The second time was even better because we not only got a much better rate but the closing costs were waived with your "Free Refinance Program".


I would recommend you to anyone who might be interested in refinancing their home or any property through your organization. This is from one satisfied customer to anyone who might be interested. Thanks again for your help in a "job well done".


John Wasilewski, Ponte Vedra Beach, Florida

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