Mortgage Brokers are BETTER, Really!


Why are we better:

  • Up-Front and Reliable: No Nonsense, we are productive and direct.
  • Mortgage Price Leader: 1st Choice has $0 Junk fees, such as application, administration, processing.
  • Wholesale Interest rates:  We get lower wholesale rates than most lenders, banks and credit unions.
  • Elite Mortgage Insurance:  We get lower wholesale mortgage insurance for conventional financing.
  • Reliable Pre-Approvals:  More lenders, less overlays, more experience, no suprises, WE CLOSE THE LOAN.
  • On-Time Closings: We are paperless, automated, always reachable, and communicate directly with you and your clients!
  • Buyer already Pre-Approved
  • Better communication: Quick responses, available all the time and always keeping you up to date!
  • Locally Owned and Operated:  Encore is nestled here in the foothills of the majestic Northeast Tennessee mountains. You can rest assured that when you choose to work with us, you are choosing a truly local partner, not some call center for a large corporation, or even worse, an overseas and outsourced business pretending to be local.