Special offer
Jessica Sosa (1st Choice Mortgage Services Inc.) Mortgage and Lending



Jessica Sosa
location_on Palm Bay, FL — 1st Choice Mortgage Services Inc.
Get to Know Jessica Sosa

We have spent the last 10 years servicing our clients with an excellent reputation and outstanding service which has earned us customers who continue to return to us to help them with their real estate financing. Our valued customers trust us to treat them like a family member making an important financial decision that will affect them for years to come. We will go up and beyond the call of duty to make sure your transaction goes as smoothly as possible and at the same time we make sure to keep as much money as possible in YOUR pocket where it belongs. When the other mortgage companies decide to stop working we are still going strong making sure our clients have been taken care of to the best of our ability. We are always available to guide our clients in the right direction whether they are purchasing residential or commercial property or refinancing their existing mortgage to lower their monthly payments, consolidate debt, or take cash out.  

Click here for a list of Residential Programs Click here for a list of Commercial Programs Scroll down to review some of the information on the different programs and options we provide. Conventional and Jumbo Loans Conventional loans are secured by government sponsored entities such as Fannie Mae and Freddie Mac.  Subprime Loans Programs for those that have less than perfect credit.  Second Mortgages and Home Equity Lines of Credit (HELOC) Loan programs to take advantage of the equity in your home.  Fixed Rate Mortgages A loan program where your monthly principal and interest payments never change.  Adjustable Rate Mortgages (ARMs) These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home.  COSI Index This index is used to determine the interest rate for some types of ARMs.  LIBOR Index This index is used to determine the interest rate for some types of ARMs.  Option Arm or 1% LoansWhat is an Option ARM? Balloon Mortgages Balloon loans are short term mortgages that have some features of a fixed rate mortgage.  Construction Loans This loan is used to give the builder funds as needed to complete building of the property. Construction to Permanent MortgagesThe most beneficial way to build the home of your dreams 125% LTV  100-103% Interest Only Investment  No Doc-Limited Stated Income  Commercial Loans

We know what it takes to get you approved in record time. We will beat any other offer in writing and you'll then see we're drastically lower than most banks and other competing lenders.