Buying a house is an exciting adventure, and we want to help you navigate your mortgage loan options
so you get the right type of home loan with the best terms.
I'm Jimmy Vercellino, an experienced professional with Phoenix lender Goldwater Mortgage.
My team and I will work hard to provide a timely, efficient and excellent home loan process for you.
Jimmy and his team are top tier, not just in customer service, but also knowledge, efficiency & communication! As Veteran (VA) specialists, he is the best... fast, fair & stress free home mortgage, from start to finish. Jimmy helped us a few years ago, and now again...we... read more
Jimmy and his staff were lightening fast with our loan request! They were all so kind and kept in touch every step of the way! Today’s technology of sending documentation electronically is super easy and secure! Jimmy helped us 5 years ago and because the process was... read more
Phoenix Mortgage and especially Jimmy are The Best. We were selling and buying and trying to close all on the same day and THEY made it happen. They were always in contact with us and always reassured us that is was being taken care of. The best experience I have... read more
Jimmy made the process easy. I already had a lender with the real estate agent that I had. I spoke with a friend who recommended Jimmy and ended up going with Jimmy instead of going with my real estate agents lender. Their office is super clean and the entire staff... read more
You can't find these lenders anymore - they are few and far between and Jimmy V is a solid loan originator. He takes the time to meet with every family and he is there to serve not to sell to. I am confident in my business knowing that he is... read more
Jimmy and his team are incredible. They worked hard for my family when it came time to purchase our home. The focus and dedication from all team members was instrumental in our offer getting to the seller first and having a fast close on the house. Jimmy and team, keep... read more
If you are in need of a lender(especially if you are a veteran), Jimmy and company is your team! They are extremely professional, responsive and knowledgeable. They made the entire process of purchasing our home straightforward, pleasant and as stress free as buyong a house can be. Thank you Jimmy,... read more
Jimmy V and his entire team are knowledgeable, responsive and professional. My husband and I have purchased several homes, and this was by far the best experience we've ever had. Jimmy told us his personal mission statement is to make the life of at least person better every day, and... read more
Jimmy helped us purchase our first home. I was not very knowledgeable about the process and Jimmy really took the time to explain everything in a way I could understand. He was very friendly and responsive and worked hard to get our loan processed in time for our move. My... read more
Jimmy and his team made my home buying process so stress free. I always knew what was going on and if I had concerns or questions all I had to do was text or call. Jimmy is great at communicating and he is truthful. If he couldn’t get me a... read more
Jimmy and his entire team are absolutely amazing! I was provided exceptional customer service thoughout my home buying process. The whole team stayed on top of their game and helped keep me on top of mine. I am a first time homebuyer so there were some areas that I didn't... read more
By far the best experience I've had, buying a home! Jimmy V and his team worked cohesively with my realtor and the title company, to ensure the process went so smoothly. From the start to finish Jimmy was hands on and truly cared about us and our goals. Would recommend... read more
Jimmy and his team are fantastic!! We just bought our first home and they made the process so easy and less intimidating!! They were always ready and available for questions, great at communication, and honestly the nicest group of people I’ve spoken to. 100% would recommend them! We are now... read more
Jimmy and his team at First Choice are personable, professional and extremely easy to work with. They kept me informed every step of the way and were always quick to respond to any questions I had. They processed a VA loan in under 30 days. AMAZING. I have already recommended... read more
We had a great and amazing experience with First Choice Mortgage! The process was smooth and easy they helped us every step of the way. We were kept informed all along the way with updates daily and weekly. Questions were answered promptly and all explanations were simple... read more
We recently bought a home using my VA benefits & Jimmy and the entire team at First Choice Loan Services did an outstanding job throughout the process. We appreciate all of their time and help. They went above and beyond in assisting us. We love our new home ! ... read more
Just when I felt I was alone trying to refinance my home, Jimmy contacted me, and encouraged me to give him a try. The results were better than I had hoped for. He not only knows what he is doing, his hands on personality is first class. I am very... read more
It was a delight to work with the whole team. You were speedy in getting back to me when I didn't understand something or didn't know how to respond back to a question. Michael was very patient with me to explain what he needed... read more
Jimmy and his team have been AMAZING!!!! They had our loan done and approved in less then 30 days to make sure we met our closing date! He was easy to reach and willing to explain any and everything I had questions on!! Him and his team made what... read more
I would highly recommend using Jimmy at first choice loan services. The entire process was smooth and I felt well taken care of the entire time. They are very professional and update you every step of the way so that you do not feel left in the dark. They were... read more
Jimmy and his team provide great service and an amazing experience. The process allows you to know exactly where you are in the loan approval. This is my second time working with Jimmy and I would say he is one of the best. He is honest and gives you the... read more
For most mortgage borrowers, there are three major loan types: conventional, FHA and VA. Which one you choose depends upon your down payment, credit record, military service and other factors. We can help you determine which is the best option for you.
A conventional mortgage is a home loan is the most typically used home loan. It conforms to the loan limits set forth by Freddie Mac and Fannie Mae, and is not guaranteed or insured by the federal government. You can get a conventional loan at a fixed or adjustable rate.
An FHA home mortgage loan is often used for first time home buyers, but is available to anyone. The down payment is only 3.5%, and accepts lower credit scores than conventional loans. The interest rate will be higher, but qualifying for the loan is easier.