First Chance Mortgage is located approximately 35 miles North-East of Atlanta, GA in the city of Loganville near the border of Gwinnett and Walton Counties. The company is owned by Al Coughlin and Brian Coughlin. First Chance Mortgage, or FCM, has been serving clients throughout the state of Georgia with both buying homes as well as refinancing to more affordable mortgage Loans since the year 2001. We offer FHA loans, VA loans, and conventional mortgages for purchases or refinancing. So, if you are wanting to purchase your dream home, refinance a current mortgage to a lower rate and payment, use your home equity to consolidate your debts, combine your HELOC into a new one new mortgage, or obtain cash out to remodel your current home or for other needs, we are able to help you.
As practically lifelong Georgia residents ourselves, we have always wanted to offer the best mortgage rates, products, closing costs and customer services available to our community, our Georgia neighbors and friends. We have been able to do just that as a smaller, but more efficient, company.
Both Al Coughlin, and Brian Coughlin worked in the finance industry with larger companies for many years before deciding to work together as a father and son team of loan officers / mortgage brokers. We opened First Chance Mortgage when we realized we could better help the people in our community by working together as a small team and not for a bigger bank or mortgage retailer who we found offered a more limited range of loans and usually charged higher fees than we would have liked.
Our mortgage lending staff and loan processors are also dedicated to the highest levels of customer service available. We are always available to talk on the phone, often via mobile phones in addition to email or text, etc. to assist in processing your loan whether you are an existing Georgia homeowner who wishes to refinance or we are processing a loan for a First Time Georgia Homebuyer.