Talk to a Mortgage Broker — No Pressure, Just Straight Answers. Whether you're buying your first home, refinancing, or just exploring your options, Kirk and Ken are here to help. With over 60 combined years of mortgage experience, you'll get straight answers — no pressure, no runaround.
We're licensed in Florida, Arizona, Texas, and Michigan. Most clients hear back within a few hours.
If you'd rather pick a time that works for you than play phone tag, grab a slot directly on Ken's calendar. Both options go straight to Ken — choose whichever fits what you need right now.
Quick Questions? Let's Talk
New to this or just want to get oriented? A short, no-pressure call to answer your questions and figure out what makes sense for your situation.
Book a Quick CallReady to Run the Numbers?
Have a real scenario in mind — refinancing, an investment property, a jumbo purchase? Let's dig into the actual numbers and map out your best options.
Book a Strategy SessionWhat to Expect When You Reach Out
- A no-obligation conversation about your goals
- Honest advice on your best loan options
- Clear rates and fees upfront — no surprises at closing
First Commerce Financial | Licensed Independent Mortgage Broker | NMLS #137512 | AZ MB #1001354 | Licensed in Michigan, Florida, Arizona, and Texas | Ken Turkington NMLS #137873 | Kirk Chivas NMLS #160828