Kirk Chivas

Kirk Chivas grew up in Farmington Hills, Michigan — and bought his first home there. He started his mortgage career in 1997 at Pioneer Mortgage alongside Ken Turkington, the same year Ken entered the industry. The two have been working together ever since — which means every client who works with First Commerce Financial benefits from a partnership that has been tested across every market cycle since the late 1990s.

In 2007, Kirk and Ken co-founded First Commerce Financial as an independent mortgage brokerage built on one commitment: wholesale rates, zero junk fees, and direct access to the people who own the company. No call centers. No commissioned loan officers with quotas to hit. No fees invented to pad a margin. Kirk handles every client relationship personally from first call to closing.

Kirk splits his time between New Hudson, Michigan and Jacksonville, Florida — and spent six years in the Lakewood Ranch and Sarasota-Bradenton area before relocating to Jacksonville in 2023. That ground-level market experience across both Michigan and Florida gives him a perspective that is genuinely hard to find in a single mortgage professional. He knows what it costs to buy in both markets, what the closing tables look like, and what buyers in each state need to know before they start looking.

When you call or text (248) 207-2404, you reach Kirk directly. Not a call center. Not an assistant. The co-founder — with 30 years of mortgage experience, deep Michigan and Florida market knowledge, and a direct line to wholesale rates from 20+ lenders.