Business Details
Your Trusted Mortgage Broker in Spokane, WA
At First Choice Mortgage, we are dedicated to delivering exceptional customer service and personalized mortgage solutions. With decades of combined experience in residential lending, our team prioritizes client needs while maintaining the highest standards of professionalism. We offer a comprehensive range of loan programs, including conventional, FHA, VA, jumbo, and reverse mortgages, tailored to meet diverse financial situations. Our expertise extends to refinancing, construction loans, and adjustable-rate mortgages, ensuring clients receive informed guidance throughout the lending process. We emphasize transparency, ethical practices, and clear communication, fostering trust with every borrower.By leveraging our industry knowledge and commitment to service excellence, we strive to make homeownership accessible and stress-free. Our Spokane-based team is readily available for free consultations, providing fast, secure online applications and personalized support. Recognized for our dedication to quality, we continue to set benchmarks in mortgage services while adhering to strict regulatory compliance. Whether you're a first-time homebuyer or seeking investment opportunities, our mission remains focused on your financial success. Let our proven track record and client-centric approach help you achieve your homeownership goals efficiently and confidently.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Construction Loans
Refinance Loans
Adjustable Rate Mortgages
Foreign National Loans
Non-QM Loans
Highlights and features
- We offer 20+ years of combined experience in residential mortgage lending.
- Our team provides personalized loan programs for diverse financial situations.
- We maintain strict compliance with federal and state lending regulations.
- Our free consultations include transparent rate comparisons and cost breakdowns.
- We specialize in complex cases including non-QM and jumbo loan programs.
Associations and certifications
- NMLS
Services
Conventional Loans
Our conventional fixed-rate mortgages provide stable monthly payments with terms ranging from 10 to 40 years. Ideal for borrowers seeking predictable housing costs, these loans require as little as 3% down payment. We offer competitive rates for qualified applicants with strong credit profiles.
FHA Loans
FHA-insured loans require only 3% down payment with flexible credit requirements. Designed for first-time buyers, these mortgages include mortgage insurance to protect lenders while making homeownership more accessible. We guide applicants through the complete FHA loan process.
VA Loans
Available to qualified military veterans, our VA loans offer $0 down payment options and competitive rates. These government-backed mortgages include specialized programs for service-related housing needs. We provide expert assistance with VA loan eligibility verification and application.
Jumbo Loans
For high-value properties exceeding $417,000, our jumbo loans feature tailored underwriting guidelines. These non-conforming mortgages accommodate unique financial situations with specialized rate programs. We offer both fixed and adjustable rate options for luxury home purchases.
Reverse Mortgages
Designed for homeowners 62+, reverse mortgages convert home equity into tax-free income. We offer comprehensive counseling on payment options including lump sums or monthly installments. Our specialists explain repayment terms and property ownership requirements.
People
Brandee Rose-Louik
Mortgage Broker
With over 15 years in mortgage lending, Brandee specializes in complex loan scenarios and first-time homebuyer programs. She holds NMLS #4089 and maintains Idaho Mortgage Broker License MBL-6020.
Alisha Bailey
Loan Originator
Alisha has originated over $100M in residential mortgages since 2015. As NMLS #114561, she focuses on VA loans and military housing programs while maintaining 5-star customer satisfaction ratings.
Cassee Louik
Loan Originator
Cassee specializes in FHA and USDA loan programs with expertise in low-to-moderate income housing solutions. Holding NMLS #1839057, she provides bilingual (English/Spanish) mortgage consultation services.
Ian Anderson
Branch Manager
As branch manager since 2018, Ian oversees loan operations and quality control. With NMLS #889449, he ensures compliance with federal regulations while mentoring loan officers in best practices.
Sean Sieveke
Branch Manager
Sean manages daily operations with 12+ years mortgage industry experience. As NMLS #168524, he specializes in construction-to-permanent financing and commercial mortgage solutions.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, jumbo, reverse, construction, and adjustable-rate mortgages. Special programs include non-QM loans and foreign national financing options.
How do I apply for a mortgage?
Apply online through our secure portal or contact us at 509-532-9775 for personalized assistance. Our process includes pre-approval, document submission, and closing coordination.
What are current mortgage rates?
Rates vary daily based on market conditions. Contact us for real-time rate quotes tailored to your financial profile and loan program.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and streamline options for existing homeowners seeking better terms or equity access.
What documents are required?
Standard requirements include proof of income, asset statements, credit authorization, and property details. Our team provides specific checklists during application.
Are there down payment assistance programs?
We participate in multiple down payment assistance programs for qualified first-time buyers. Contact our office for details about local and federal assistance options.
