Office Location

Sarasota, FL


FL: 941-257-5005

First Choice Home Loans
*A Division of C.T.C. Mortgage Company, LLC

Florida’s Premier Lender

Your Home Loan is Our Priority

Our Pledge – First Choice Home Loans

The mortgage industry is not easily navigated, and understanding the different types of mortgages and what is needed for each lending program can be confusing. At First Choice Home Loans we remove that confusion by utilizing our expert knowledge of home mortgages to handle most of the issues that arise during the mortgage research and application process. The purchase of a home is usually the biggest investment you can make for yourself and your family. It’s important that you speak to a professional who can help guide you in acquiring the proper loan that best fits your situation.

Understanding Conventional Loans vs Other Types of Home Loans

Are you getting ready to dive into your home purchase? If so, it may help to learn the lingo you will come across when discussing mortgages. We will help you understand conventional home loans vs other types of home loans. Once you have these terms down, you’ll be able to knowledgeably review the types of mortgage loan options available. Don’t worry, you’ll be moving into your new home in no time!

A conventional mortgage is a home loan that isn’t backed by a government agency, such as the FHA or VA. Conventional mortgages often meet the down payment and income requirements set by Fannie Mae and Freddie Mac, and they often conform to the loan limits set by the Federal Housing Finance Administration (FHFA). Conventional loan borrowers who put at least 20% down don’t have to pay for mortgage insurance, which is typically required with lower down payments or government-backed loans.

FHA Home Loan

An FHA mortgage is still a great option and may be one way to get into a home if you don’t have enough saved for a down payment or your credit history isn’t as good as it could be. When you’re weighing your mortgage options ...

VA Home Loans

VA mortgage loan. Designed for veterans, these mortgages can be a great deal, especially for buyers who are struggling to save for a down payment. VA mortgage loans have certain eligibility criteria ...

USDA 100% Financing

A USDA loan is a mortgage that offers considerable benefits for those wishing to purchase a home in an eligible rural area. USDA home loans are issued through private lenders and are guaranteed by ...


Don't worry if you're self-employed, there are mortgage products available, as well as steps you can take to make yourself a more attractive loan candidate. Also some self-employed borrowers can qualify for conventional financing ..

Conventional Loans

Conventional home loans for purchasing or refinancing your home loan is something we handle each month for our customers. We offer 1%, 3%, 5%, 10%, 15% and 20% down for conventional loans.

Jumbo Loans

A jumbo mortgage, also called a jumbo loan, is a mortgage that exceeds conforming loan limits set by the Office of Federal Housing Enterprise Oversight. A jumbo mortgage sounds like the stuff of millionaires, but that's not necessarily true...

Free Home Loan Evaluation.
Speak to Someone Today.

About Us
First Choice Home Loans

First Choice Home Loans is a family owned firm of highly dedicated and experienced mortgage professionals who have over 20 years of experience. We understand that every borrower is unique, and we offer a variety of products to meet your individual requirements. First Choice Home Loan is committed to helping you find the right mortgage product for your needs.

We make the process of securing a home loan simple and straightforward by offering you the latest in financial tools and advice, which enables you to make sound financial choices. We are truly passionate about mortgages, and because of that, nearly 100% of our business results from referrals by satisfied clients, trusted financial advisers and the most successful realtors.

Our mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, our team will stand ready to assist you each and every step of the way. We understand that it’s not just a house, it’s your home.

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and, best of all, quality service and individual attention.

Today’s technology is providing a more productive environment in which to work. For example, through our website, you can submit a complete online, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

To find out more about our products and services or for a free rate quote please contact Ken Brand, Senior Loan Officer at First Choice Home Loans.

First Choice Home Loans

NMLS# 2085521