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Option 1st Financial, LLC
Option 1st Financial is a comprehensive financial services company, located in the State of Maryland. We provide a wide range of financial solutions, including: financial planning, real estate loans for purchase and refinance, estate planning, life insurance products, educational seminars, and financial coaching on strategies to improve credit scores.
We offer a holistic approach to our services delivered which is reflected in our approach of helping you, our customer, with making responsible decisions about every aspect of your finances over your lifetime.
We collaborate with you during critical moments and life transitions, to provide a plan and solution. So, whether you need a loan to purchase your 1st home or to upgrade your home; need to start saving for college or retirement; need life insurance to guarantee that your family's financial needs are met in the event of your untimely death; or you need a plan for guaranteed income for life because you are concerned about the volatility of the stock market, we want to be the 1st Option 4 U to consider.
Why Work with Us?
We adhere to the best practices in the financial services industry and as such, we represent your best interest as our customer. Our decisions are driven by your short, intermediate and long term financial goals and our commitment is to help you reach financial security so that you can enjoy and not stress in your golden years!
We believe the key to financial success is knowledge-about how money works, how to make responsible, well-informed decisions and how to get the best value for the dollars you spend. When you make big financial decisions, you want them to feel right. So, whether you need a financial plan or guidance in one key area-such as buying a home, refinancing a home, debt management, accelerating the payoff of your mortgage, life insurance, retirement savings or saving for your children’s education, give us a call.
Our web site offers a wealth of financial resources, including links to obtain a free copy of your credit report; a budget tool; the ability to apply online for retirement benefits; obtaining an estimate of your retirement benefits or calculating how much you will need in retirement and so much more. We hope that you enjoy the comprehensiveness of our web site and that you will refer your family and friends.
1st Time Home Buyers
We take tremendous pride in our record that 70% of our mortgage business over the past 2 years has involved the origination of loans and financial coaching for 1st time home buyers, meaning we have positioned more people to build long-term wealth.
The average net worth of home owners is significantly higher than renters, which is why home ownership is an important element in helping you achieve financial security.
According to the Federal Reserve the average net worth of home owners is $451,200 compared to $87,400 for renters when both have an income of $80,000; and $194,610 for homeowners versus $25,000 for renters with an annual income between $50,000 and $79,000.
With the net worth five to seven times higher for home owners, you can see why home ownership is critical to building wealth.
Niche Product: Residential Mortgage Loans
Recommend a Loan Program that Meets Your Goals
We will make certain that there is a net benefit to you before proceeding with the loan.
Buying a new home is a source of anxiety, frustration and is the biggest purchase that main street Americans make. Therefore, it is important to work with mortgage professionals that are committed to not just helping you acquire your home but making sure that you can afford to make the payments on your home and meet your other financial obligations.
Refinancing your current mortgage has never been easier with our paperless process. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free through our automated loan processing system. We can even help you pay down your balance more quickly through our biweekly payment program. Contact one of our mortgage professionals for more information.
Financial Planning in our opinion is the key to long term financial security. We all need a plan to help us reach our goals. Our financial plan includes a budget, a plan to help you eliminate debt, a plan to help you establish an emergency fund, a plan to help you pay your mortgage off in 15 years, strategies to help you save sufficient money for retirement and so much more.
Our goal is to give you the personal attention you deserve and to treat you with the respect due a valued customer. Our commitment to you is to identify the financial solutions that best meets your short, intermediate and long term financial goals.
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