CrossCountry Mortgage - Southampton Industrial Blvd, Southampton

I recently had the pleasure of working with Charles while shopping for a new home. His responsiveness and attention to detail was a breath of fresh air. I would happily recommend him to anyone needing a mortgage.

Ian and First Choice provided excellent service in helping me to find the right refinancing option. Ian worked closely with me by walking me through the entire process and was flexible in arranging the closing. I highly recommend Ian and First Choice for mortgage needs.

I had the pleasure of working with Eric Froberg. He was very helpful. I couldn't ask for a better loan agent. I recommend him if you need someone who is on the top of things I highly suggest Eric he'll get the job done. I had a worry free process. It's kind of a bittersweet moment for me that this buying process has come to a end. He helped us get a beautiful home in a beautiful neighborhood. I could go on and on. THANKS ERIC FROBERG

My husband I highly recommend working with Charles and team. He was amazing; locking us into a low rate and making our closing smoothly! The entire process could not have been easier.

Phenomenal doesn’t seem like a powerful enough word to describe how great Joe Callahan from First Choice is at what he does. Joe was not our original mortgage specialist. The person we used prior to him worked on our file for over a month to get us preapproved, and 3 hours after we put in an offer on a home, cancelled our preapproval because of a financial issue he had been made aware of several times, but swore he didn’t know about. At this point, my husband, my realtor, and I are running around panicking. We just put a bid in on our dream home with 2 months left in our rental lease and we were up against 3 other offers. My realtor had met Joe as a seller’s agent and was impressed with his ability to close a loan so quickly. She got Joe and I in touch with each other that evening. Our first phone conversation immediately put me at ease. Joe had a great sense of humor and such a friendly demeanor, it was like he was used to dealing with clients who were at their wits end. Once we got a feel for each other’s personalities, it was easy to talk to him as if I had known him for years (translation: I cursed and yelled a lot out of sheer frustration, none of which was ever because of him). Don’t ask me how, but Joe managed to take a muddled mess of the financial workings of two self employed individuals with 2 different businesses, one with child support, and both with IRS debt and somehow got us preapproved in 16 hours. He did in 16 hours what the other mortgage officer took a month to do, but Joe actually managed to push past the preapproval stage. Throughout the entire process, he sent emails about what was going on and almost ALWAYS picked up his phone when I called. Oh and boy did I call at some ridiculous times. I wouldn’t have answered my calls if I were him, but he did anyway, and he did it with a laugh, a “what’s up?” and always a very calm and assuring answer. I joked to him one day that it was so strange to not have spoken to him in 2 days because I was used to speaking to him multiple times a day - and NEVER ONCE did he make me feel like I was bothering him. The man even picked up his phone while out to dinner with his wife (with her permission!!) I know I probably sound like a high maintenance client, but our case was anything but normal or certain. Joe repeated to me over and over “thank me once the keys are in your hand”. When we received our mortgage commitment, it was such a rollercoaster, that Joe actually hand delivered the letter with a 6 pack of beer and we celebrated another big hurdle. By the time we made it to the closing table, he was like an Uncle I’d known my entire life. Having him sit next to us while we signed a mountain of paperwork, carefully explaining every piece we needed to sign was so comforting. You write your name so many times that you start to question whether or not you’re spelling it right, so having him to pace us and explain each item was great. In the end, Joe was able to lock us in at a great rate and close our loan. Since closing, I’ve called him a few times with silly first time homeowner questions about the mortgage and he’s been more than happy to take time to answer them. Joe Callahan is the type of person you want on your side. He has a great personality, he’s funny, and he’s amazing at closing difficult loans. I cannot imagine having gone through such a stressful process with someone who didn’t let their personality shine through. Don’t get me wrong, he is incredibly professional, but it was nice to work with someone who also seemed to understand. Someone who seemed like a normal human being who was on our side. You won’t regret working with Joe for your mortgage. Thanks again Joe, and I owe you and your wife a dinner for having interrupted yours so many times!

Charles Naivar went above and beyond to help us to realize our dreams. He was with us every step of the way and his service and support through the process was outstanding. I recommend him without hesitation, he's the best of the best!

I was a first time home buyer. Joe Callahan helped me to get a mortgage and taught me about the whole process. Guided me threw all the DO’s and DONT’S. If you need to get a mortgage this the man you need to contact and LISTEN TO. I highly recommended his services you won’t be disappointed

Loved my experience with First Choice. They were easy to talk to, answered all my questions and concerns. and looked out for my best interests throughout the process....and even after. I highly recommend them to anyone who is buying a home.

Joe Callahan was great with my client(s) and in the past was an asset to the whole buying process. He follows up with my clients all the time. Always enjoy working with Joe.

Great service from Ian Rimerman and First Choice Loan Service! Truly grateful for their support, expertise, and around the clock availability to help with my home purchase. Definitely will recommend to friends and family!