Experience the FOM Difference
Click Below to Start Your Journey
We know buying a home can be intimidating. It's a tremendous life experience, and we're proud to be a part of it, walking beside you through each step of the process. From pre-qualification to the house hunt, then securing financing before the exchange of keys, First Option will be there for you.
Your First Option is Also Your Fastest Option!
Your loan is all set and ready for your closing, thanks to our First Option Mortgage Process.
15 Minutes
Contact a loan originator or apply online – it only takes about 15 minutes to submit a loan application.
15 Days
When you qualify, you receive a pre-approval, and our team will process your loan and clear to close in under 15 days.
Bespoke Loan Programs
Conventional Loans
The classic choice for qualified borrowers
Ideal for borrowers with good credit and a steady income looking for stability. Conventional loans offer competitive rates, flexible terms from 10 to 30 years, and the ability to drop mortgage insurance once you reach 20% equity.
FHA Loans
Built for first-time homebuyers
Perfect for first-time buyers with flexible credit and low down payment options. FHA loans are government-insured, making homeownership accessible even if your credit history isn't perfect.
VA Loans
Honoring those who serve
Specialized benefits for our veterans and active military personnel. VA loans offer some of the best terms available anywhere—no down payment, no private mortgage insurance, and competitive rates as a thank-you for your service.
Jumbo Loans
For homes that exceed the ordinary
Financing for luxury properties that exceed standard conforming loan limits. When your dream home demands more than conventional limits allow, our jumbo loan solutions deliver the capital you need with premium service.
Conventional Loans
Meet ARLA
"Our Automated Response Loan Assistant is available 24/7 to provide instant updates and answer your questions with precision."
Experience the future of client support. Click below to start a live voice conversation.
Interactive Mortgage Calculator
$80,000
Estimated Monthly Payment
Our Clients Speak
Join over 50,000 families who have found their perfect home financing solution through First Option.
"Sarah was very knowledgeable, communicative, and responsive. She worked hard to make sure everything was complete on a short timeline, while still prioritizing my goals. Although this was my first time buying a house, I can't imagine that anyone could do it better. I would recommend her service to anyone in a heartbeat!"
Adam B.
Granite City, IL
"Rez was exceptional throughout our loan process. He demonstrated deep knowledge, guided us through every question with clarity, and kept us consistently informed at each stage. His passion for his work, combined with his experience and professionalism, made the entire experience seamless and reassuring."
Homebuyer
Frisco, TX
Locate a Branch
With branches across the country, a personalized First Option Mortgage experience is closer than you think. Enter your zip code or city to begin.
Corporate Headquarters
2.4 miles702 Old Peachtree Rd., Suite 200, Suwanee, GA 30024
Atlanta Downtown
28.1 miles100 Peachtree St NW, Atlanta, GA 30303
Marietta Branch
31.5 miles500 Roswell St NE, Marietta, GA 30060