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.

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