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Financing Your Home

Working with an experienced and knowledgeable mortgage lender is extremely important in the home buying process. Selecting a loan officer that you can sit down with to explain your unique needs and desires will reduce stress and make for a smooth transaction. You’re probably looking for:

Someone in your neighborhood who can explain to you how a VA loan is different from a FHA loan.

Someone who can answer your night-before- settlement calls at 8 p.m.

Someone who won’t try to fit you into a box, but knows your unique situation and can craft a mortgage solution to fit YOUR needs.

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The Mortgage Process


Get Prequalified

Having a pre-qualification letter in hand before you begin shopping for a home shows sellers that you’re serious about making an offer and ensures that you’re on target to qualify for a mortgage on your home of choice.

Get Prequalified

Find the Perfect House

You’ve already begun your search online—likely, for several months. Now, it’s time to choose a CENTURY 21 New Millennium REALTOR® with whom to tour homes, write a competitive offer and leverage your pre-approval to get you to a ratified contract.

Search Homes

Select the Financing Product

Our First County Mortgage loan officers will work with you to find the best customized solution that fits your needs.

Apply for the Loan and Collaborate during Processing

Assuming you’ve already completed the prequalification process, your loan officer will update and submit your official loan application. You may need to submit additional documents or meet additional criteria during this stage.

Prepare for Closing

Together, our First County Mortgage loan officer and our CENTURY 21 New Millennium agent will collaborate with you to ensure that your closing process is seamless. From underwriting to appraisals, we’ll keep the entire process local and get you to the closing table on time.

Move In to Your New Home

Congratulations, you’ve made it to closing! We’ll be by your side to navigate you through the paperwork and complete a successful transaction.

Mortgage Calculator


By entering in your desired monthly payment, interest rate, and term, we can calculate the maximum loan amount you can afford. This calculation does not include any other fees that might be included with your mortgage payments.

Mortgage Calculator Activation Pending

Why Choose First County Mortgage

Financing First in Class First County

First County,First in Class

At First County Mortgage, we are dedicated to providing you with top-notch service and ensuring that your transaction is as seamless and hassle-free as possible. Our loan officers average 23 years in the business, and do an average of 62 transactions a year. This means that our loan officers have the experience to guide you throughout the whole mortgage process, and can help you navigate around the pitfalls or roadblocks along the way.

Together we're better

Our First County Mortgage loan officers sit in the same offices as our agents. No need to introduce your agent to your loan officer, or even to your settlement officer (yes, we do that, too!). You always have the option to select your own lender or title company, but our cohesive team is ready to partner with you from the moment you decide you want to buy to the moment you walk into your new home for the first time—and beyond.

Financing Together We're Better
Financing Crafting Custom Solutions

Crafting Custom Solutions

We know that every home purchase is unique. We understand the complexities of different financial situations and the nuances of our market. Our loan officers focus on building a relationship with you first so we can customize a solution that best fits your situation and the home you’re buying. We won’t force you to choose from a narrow set of pre-determined options—we’ll find a custom solution that conforms to your needs.

First County Mortgage vs. Online Lenders

First Country MortgageOnline Lenders
Competitive rates
Real, live loan officer available any time to answer any questions
Professionally trained and licensed loan officer
Loan officer who is knowledgeable about the local market and available programs
Loan officer who can customize products to fit your needs
Loan officer conveniently located to CENTURY 21 New Millennium real estate offices
Local appraisers
Local processors
Local underwriting
Solid relationships with local title companies

Interesting in Applying for a Mortgage?