First Chance Mortgage is a Lender & Mortgage Broker Located in Loganville, GA.
We specialize in helping prospective First Time Home-buyers, Home Loan Refinances, and assistance with FHA, VA, and Conventional Mortgage Loans

We can assist all homeowners with various loan types including, but not limited to:



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.

Owners With Experience:

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 in Loganville, GA, 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 who 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 affordable mortgage loans so they too may be able to enjoy the pleasure of being a Georgia Homeowner.

Thank you for visiting First Chance Mortgage’s website. Please take a few minutes to view the information throughout the site. After your visit, please feel free to call 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 with the information you seek. Together with you, we will have a great day helping you choose the best of Georgia home loan programs with a low Georgia interest rate.