Top Loan Officers for First Choice Loan Services
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Reviews for First Choice Loan Services
Refinance Review
Excellant service from First Choice although the actual loan approval was a little rediculous. My wife and I have always had credit scores of well over 800 and yet we were forced to provide additional information beyong what was reasonable in this situation, at least until I said "enough- approve it or not just let me know which so we can take other action".
Loan Officer
Conventional 30 Year Fixed
Always a pleasure
Joe and his team are very professional. Available anytime I had a question and was very polite and patient with me. I had a lot of questions! I have used Joe and his team two other times in the past on refinances. His closing times were always fast, but this time I used him for a purchase. I wasn't sure how fast he was going to be able to get the loan done, but he did not disappoint. The loan was ready in less than four weeks!
Loan Officer
Conventional 30 Year Fixed
First Choice/Joe Shamie review
My whole experience with Joe Shamie/First Choice was excellent. I'm not very good with financial matters, but Joe Shamie was wonderful about explaining everything so I could understand and he was very patient with me. He made this whole experience easy and pleasant, which I know is not always the case. Joe did all he could to get me a good rate. Joe also was so easy to reach even after hours we would text back and forth if I had more questions. His secretary, Dawn was also very helpful. I would highly recommend Joe Shamie and First Choice.
Vickie's Tip: Choose First Choice and Joe Shamie - it will make your refinance a painless process.
Loan Officer
FHA 30 Year Fixed
Best refinance experience!
great experience! Joe was fast, professional, knowledgeable, and patient! Closed 3 weeks after beginning application process. Amazing!
Loan Officer
Conventional 15 Year Fixed
ASK FOR JOE SHAMIE WHEN YOU CALL!
This is the second time we have gone with Joe Shamie because of his professionalism and excellent explanation to the loan process. He answered all our questions multiple times and was always available when we needed him.
Elizabeth's Tip: Ask for Joe Shamie, he is the best at what he does!
Loan Officer
Other 15 Year Fixed
personal information may be compromised
Although I liked working with Joe during the loan process, I was disappointed after the loan was processed: 1. The entire loan package with all sensitive info was emailed as an unsecured pdf attachment. I specifically asked the lender do not do it unless they password protect the file. The lender said that they would use their secure system to send the documents to me. However, I received my final closing documents as an unsecured email attachment. 2. The lender did not inform me that the lender fee is significantly discounted for Costco members. 3. The lender ordered an expedited service twice to get the payoff information from BoA. This is the most expensive way to get this information. Per BoA’s website, the payoff statements are issued for free unless an expedited service is requested. There was no need for the lender to order these statements twice using the expedited service or at least I should have been offered a choice whether I want to pay for the service that cost money. 4. The rates at this bank are not the most competitive and the lender’s fee is high, so shop around.
Loan Officer
Conventional 15 Year Fixed
Highest Recommendation for Joe Shamie
We would highly recommend Joe Shamie for anyone contemplating refinancing their home. Joe is clear, professional, patient and highly effective. He helped us to work through alternatives to find the best and lowest possible rate for us. He is accessible and responsive and well-supported by a top-flight team at First Choice Loan Services. Our refi was completed quickly and accurately (and the added benefit of the relationship between First Choice and Costco was an added bonus for us).
Loan Officer
Conventional 30 Year Fixed
Quick service and informative
Joe was very helpful, responsive, and didn't rush me when I had questions. He helped us get a good rate and getting through all of the documentation for the refinancing was rather straightforward. I'd use him again.
Loan Officer
Jumbo 30 Year Fixed
Recommendation
Joe Shamie is wonderful to work with. I have refer several of my friends and business associates to use him for their closing. He is honest, thorough and is always forthright with all information good or bad. I would highly recommend him.
Loan Officer
Conventional 20 Year Fixed
Patrick Fischer
Joe did an outstanding job for me. I will use him in teh future and reference him to any other people I know needing home mortgage loans.
Loan Officer
Conventional 30 Year Fixed
Home Refinancing
The process was what I expected, but taking a little longer than anticipated.
Loan Officer
Conventional 30 Year Fixed
First Choice Mortgage should be your choice
We decided to do a refinance with First Choice Mortgage via the internet which at first did not seem a safe method due to internet security risks but as we moved forward we were able to get documents back and forth in a secure method via their web site. Joe Shamie did an excellent job at explaining all the pros and cons surrounding the refi and gave us insight on choosing an 5/1ARM vs a 15 year and they also matched Costco lender fees. Yes there was alot of documentation to procure but thats the practice in the non-toxic loan industry today
Jeff's Tip: Talk to Joe Shamie.....he knows his stuff
Loan Officer
Other 5/1 Adjustable Rate Mortgage (ARM)
traditional refinance
Joe was very easy to work with and helped get the refinance done on our original timeline even when we few bumps arose along the way. Very responsive. Would be happy to do my next refinance with Joe.
Loan Officer
Conventional 30 Year Fixed
10 year fixed
Shame on me... I refinanced to a low rate hastily without doing my homework. With a credit rating of 807, I should have gotten a top rare, which I didn't. A rate of 3.25% isn't bad, however on a 10 year fixed loan and my credit score, my rate should have been in the 2's. I jumped into the loan without doing my homework..trusting I was getting he best rate.
Loan Officer
Other Other
Great and easy to deal with
Joe was extremely helpful in getting me through my refinance. He was able to beat other lenders offers and work around my schedule to get it completed. Highly recommended.
Loan Officer
FHA 30 Year Fixed
