We provide transparent mortgage solutions with the lowest rates and NO junk fees!
Mortgage Done Right. No Junk Fees. No Runaround.
We’re a mortgage broker licensed in Florida, Arizona, Texas, and Michigan. Co-founders Kirk Chivas and Ken Turkington bring 50+ combined years of experience — and they’ve been working together since 1997. You get that expertise working for you, without the inflated fees you’d pay at a big bank.
Whether you’re buying your first home, upsizing, or refinancing — we make the process straightforward and keep more money in your pocket.
What We Do
We shop your loan across multiple lenders to find the best rate and terms for your situation. As an independent broker, we’re not tied to one bank’s products — our job is to get you the best deal available, period.
We work with:
- First-time homebuyers who need guidance from start to close
- Repeat buyers and move-up buyers ready for their next chapter
- Homeowners looking to refinance and reduce their monthly payment or tap into equity
Why First Commerce Financial?
A lot of lenders talk about great service and low rates. Here’s what actually sets us apart:
- No junk fees — we’re transparent about costs from day one. No surprises at closing.
- Competitive rates — as a broker, we compare multiple wholesale lenders to get you the lowest rate we can find for your scenario.
- Real experience — 50+ years combined means we’ve seen nearly every scenario and know how to handle the tough ones.
- Straightforward communication — we tell you where you stand, what you need, and what to expect. No jargon, no fluff.
Loan Programs We Offer
We offer a wide range of mortgage products to fit your needs:
- Conventional fixed-rate mortgages
- FHA loans — great for buyers with lower down payments or building credit
- VA loans — for eligible veterans and active military
- Jumbo loans — for higher-priced properties
- Investment property loans
- Refinances — rate-and-term and cash-out
Licensed in FL, AZ, TX & MI
We’re licensed and actively lending in Florida, Arizona, Texas, and Michigan. No matter which of these states you’re buying or refinancing in, you get the same experienced team and the same commitment to low rates and zero junk fees.
Ready to Get Started?
Getting pre-approved takes less than you think. Start the process online or schedule a free call with Ken or Kirk — they’ll give you straight answers about what you qualify for and what it will actually cost.
No pressure. No obligation. Just clear information so you can make the right decision.
Client Reviews
Frequently Asked Questions
For your pre-approval we’ll ask questions about your income, assets, credit history and employment. We will do a soft credit inquiry (which does not lower your scores) to get a baseline of your credit scores and consumer debt obligations.
Once you start the application process we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs and documents pertaining to other personally owned real estate. You’ll receive notification in writing of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information.
No! Getting started before you go out looking for homes is a must.
If you get started before you have a property to purchase, we can issue a pre-approval subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-approved for a mortgage will even give more weight to any purchase offer you make.
When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.
There are many advantages to homeownership:
A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.
- Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.
- Real estate is marketable.
- You can make your own decisions about design and décor.
- You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
- You have control over the piece of property. You are not answering to a landlord.
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?
Pre-Qualification Today = Less Stress House Shopping Tomorrow
Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-approval is an essential tool when house shopping, because it…
- Determines what homes are in your price range
- Assures real estate brokers and sellers that you are a qualified buyer
- Can be used to your advantage in future negotiations
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s, you can always contact us and we’ll respond asap.
