Al and Brian Coughlin

Local: 678-957-6733

Toll Free: 866-687-5026

131 Lee Byrd Road
Loganville, Georgia 30052

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First Chance Mortgage - Introduction and Information

Helping First Time Homebuyers, Home Loan Refinances, and assistance with
FHA, VA, and Conventional Mortgage Loans in Georgia

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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.
Since 2006 Brian has also worked as a Real Estate Agent in addition to his work in the mortgage business.  If you currently have a REALTOR or an agent then we encourage you to maintain that relationship.  However, when real estate assistance is requested he is able to provide answers, insight, and help in finding or listing the perfect house.  He is able to assist with contract negotiations as well as provide the proper real estate contracts that are standard in Georgia Real Estate deals.  For clients who wish to use Brian as their real estate agent it should be noted that he does not assist in the loan process where there could be any confusion or perceived conflicts.  Clients may choose to work with Al as their mortgage broker or use any lender of their choice who offers the best deals they can find.  We encourage our customers to shop around for lending products and we always hope to earn their business based on our service, products and knowledge.  Our intention is to offer the best combination of low Georgia Mortgage Rates, Closing Costs, and Service to help our customers meet their financial goals in a professional and timely manner.  

Finally, our goal at First Chance Mortgage is to create a lasting and long term relationship with our Georgia mortgage clients.  After-all, our clients become our neighbors and live and work in the communities nearby.  We are also proud of being a family owned business.  We understand the importance of helping other families in our State obtain low cost mortgage loans to so they too may be able to enjoy the pleasures of being a Georgia Homeowner.
Georgia Mortgage Loan specials available as follows:

Georgia First Time Home Buyers - we offer expert service to first time homebuyers in Georgia to explain the entire loan process in detail so our clients will understand the different Georgia Mortgage Loan Programs available to them. We want First Chance Mortgage to be your first choice in mortgage lending. Our experienced staff is ready to assist First Time Buyers and give them the guidance and knowledge they need to make a sound decision when getting a First Time Mortgage loan. Ask about our 100% Georgia Mortgage loan programs available to qualified Georgia Residential Mortgage Loan Customers.

Georgia Home Loan Programs - we offer several loan programs for Georgia Homeowner’s including Conventional Mortgage, Secure Government Mortgages including Georgia FHA Home Loans, VA Loans, Rural Development or Georgia USDA loan, Georgia Jumbo loans , Georgia Conforming Jumbo loan, and Georgia My Community Development Mortgage Loans. Other Georgia programs include Georgia FHA 203K programs for rehabilitation, HUD loan programs, Georgia VA Streamline Mortgage and FHA Streamline Mortgages for existing VA Mortgage and FHA mortgage loan customers

Georgia Mortgage Purchase Loans – we have developed lending relationships with the top national banks and mortgage origination partners throughout the lending spectrum. We work with experienced Georgia Realtors to help you find the Georgia Dream home of your choice and help provide the purchase loan program that is best suited to your short term and loan term housing goals.

Georgia Mortgage Refinance – we understand the importance placed on best loan terms available for those who are exploring a new mortgage. As an ethical Georgia Mortgage Broker with our team of Georgia Loan Officers we will explore financially sound options to consider when refinancing your current home loan. Our goal is to insure you have reasonable net tangible benefits to refinancing your Georgia Mortgage Loan and the transaction is your best interest prior to your closing. First Chance Mortgage will help you get the best Georgia interest rate program available based on the current and long term financial goals you desire.

Georgia Debt Consolidation Mortgages - we recognize that debt consolidation mortgage loans are a great benefit to those customers who take advantage of the benefits of their current equity. Freeing up additional monthly cash flow to help households manage current needs and future investment goals as a financial strategy has helped Georgia homeowners in many ways. Paying off high rate mortgage loans, credit card debt, installment purchases and other debt burdens allows many families’s to plan for retirement, college and other important short and long term financial needs. First Chance Mortgage offers competitive closing costs, bank rate mortgages, and expert financial advice to help you make an informed consumer choice.

Georgia Mortgage Rates - First Chance Mortgage will shop for the most competitive terms and rates in the entire state. We invite you to contact our office via phone or email and we will assist you with competitive good faith estimate based upon your financial criteria at no cost. Our Georgia Mortgage Customers experience unparalleled customer service and professional assistance from our team of loan officers.

Please enjoy our web site. We welcome you to view special features in our web site and should you have a specific question or need, we will be happy help your resolve. We are completely dedicated to serving Georgia’s Mortgage Customer’s needs. Check our Low Georgia Interest rates using our free Georgia Interest Rate Tracker.

Thank you for visiting First Chance Mortgage of Loganville Georgia and our web site. Together with you we will have a great day helping you get the best Georgia Home Loan with a Low Georgia Interest Rate program. Please take few minutes via our web site. After your visit, please feel free to call us and tell us what your Mortgage Needs may be or complete the information questionnaire via our contact links and one of our mortgage professionals will respond to your needs with the information you seek.
Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.