First Home Equity Loans, St. Augustine, FL

I found a home we absolutely fell in love with. Our realtor referred us to Penny James, and said Penny was the best in the business. Not only did Penny quickly Get us the pre approval needed to submit our offer within a day, Penny went above and beyond to secure us the best suited loan for our complicated situation. Penny worked diligently along side my husband and I to remedy many of our credit issues, and gave us great tips on ways to build future credit. She never quit on us, always stayed positive (which gave us the motivation to complete the sometimes daunting but necessary tasks), and held our hands throughout the process! Penny is an expert in her field, having the insight, experience, and patience to get the deal done!

Penny James is the ultimate loan officer. I cannot say enough good things about her communication, follow up and her general compassion about making sure the customer is taken care of. She helped me with a long distance loan and held my hand through the entire process. Not only is she the best loan officer she is considered a friend after my experience with her.

Ted, Tori, and his team helped me finance a house this year. My credit was less than good, and I had no faith that buying a home was even possible at the time. I was recommended to Ted and from the first meeting , he gave me confidence and hope that I was going to be a home owner. Ted and his team got me a loan that exceeded the amount I originally thought possible. They got me a great rate, a manageable closing cost and helped me with every step of the way. From recommending the real estate broker, gathering paperwork, signing the many many documents, getting my credit where we needed it, to inspections.. Ted was there for me every step of the way. I was a hard case and they worked so diligently to put my in a home that I love. As a first time home buyer, this was naturally a stressful process. Ted and his team made it happen and made it so I was always under their care and always had someone to help with the process. I highly recommend working with Ted! He will get you in a home and leave you with no regrets.

As a professional in the field of real estate it's essential to find the best lenders for my customers. Ted Smith is swift in communicating, offers incredible products and makes the process easier and more enjoyable than most I have dealt with. People don't just need info, they also need someone who can deliver it in the right way, eliminating the confusion and anxiety which is so often a byproduct of the process. Ted is able to do just that. This is why we chose him to finance our own home purchase recently.

Got this great message from my customer today: Good morning Ted, I trust you are having a tremendous Thursday. Thank you for expertise and guidance through the process. The fluid journey can only be contributed to your excellent communication and professionalism. Thank you again as we will certainly recommend you and your team to our friends. Have a prosperous day, Ben

Jessica Kroeger with First Home Equity Loans has provided my real estate business with mortgage loan services above and beyond what any professional could ask for. She regularly makes herself available to answer client questions, provide useful insight, or just share useful home buying tips and considerations. Would strongly recommend partnering with Jessica to handle your real estate needs.

I found a home we absolutely fell in love with. Our realtor referred us to Penny James, and said Penny was the best in the business. Not only did Penny quickly Get us the pre approval needed to submit our offer within a day, Penny went above and beyond to secure us the best suited loan for our complicated situation. Penny worked diligently along side my husband and I to remedy many of our credit issues, and gave us great tips on ways to build future credit. She never quit on us, always stayed positive (which gave us the motivation to complete the sometimes daunting but necessary tasks), and held our hands throughout the process! Penny is an expert in her field, having the insight, experience, and patience to get the deal done!

Penny James is the ultimate loan officer. I cannot say enough good things about her communication, follow up and her general compassion about making sure the customer is taken care of. She helped me with a long distance loan and held my … More