Experience The Family First Difference

Family First Mortgage Group (FFMG) is a Sacramento area mortgage broker specializing in residential purchase and refinance loans. At FFMG, we do mortgages a bit differently. We believe in honesty, total transparency, and value the personal relationships we have with our customers.

We will take the time to explain to you how the mortgage industry works, including interest rates, and qualifying factors. Because your home purchase or refinance is one of the biggest decisions you will make, we want you to be well-informed at every stage of the process; from your initial loan application, to signing your loan documents, to closing. To put it simply, our job is to make sure you are one hundred percent confident in your financial decision.

Family First Mortgage Group is licensed by the California Bureau of Real Estate.

Providing Expertise with Simplicity and Certainty

As we know that you have so many options to choose from, our goal is to share our expertise and ensure that you have all the information necessary to make the best decision for YOU. We respect your valuable time and want to minimize the effort required of you during the decision making and the actual processing of your loan. You will also quickly notice that when working with our loan experts, that we have fast turn times and are here to bring honesty to mortgages. It is also of no cost to you, to learn where you currently stand.

Choose the type of home loan that’s right for you


Whether you’ve been buying and selling homes for decades or you’re a first-time homebuyer, it’s not always easy to determine whether you should go with a conventional loan, an FHA loan or any of the other loan types available to you. This is where your mortgage lending officer will be an invaluable resource to you. Not only will they be familiar with the ins and outs of the different types of mortgages available, but they should also be able to provide the fresh perspective on your current financial situation that can help match you to the most advantageous mortgage loan options you qualify for.


A Federally insured mortgage loan
provided by an PHA-approved lender

A A loan that not insured by a government
agency, but follows Fannie Mae guidlines

VA Loans
A mortgage loan available to veterans
and current military personnel

What do I need to know about home financing?
The importance of knowing the best rates.
Believe it or not, the lowest rate isn’t always the best rate for your situation. Rates change all of the time and we highly suggest that you compare rates same day to give yourself a true reading on rates.
I have been turned down for a loan, now what?
If you have been turned down, DON’T GIVE UP! Please give us a call, so we can let you know where you stand and what the time frame is before you can buy or refinance.
I hear commercials that say they will get me the best rate. Who should I choose?
You simply need to shop around for the best rate you deserve and qualify for. Larger “mainstream” mortgage corporations usually boast higher rates due to their national advertising and large overhead, which means higher rates and higher hidden fees.
Finding the right loan officer.
Always make sure to never take “I don’t know” for an answer from your loan officer. If your loan officer isn’t there to answer your questions, or make you feel supremely confident in your decision, please message us or call and we will let you know exactly what loan you are being offered by your lender.

of potential homebuyers stated “getting the best deal” (price) is their most important feature when considering a mortgage
Featured Articles
Christy PalmatierChristy Palmatier
Family First has a quality in lenders that I have been looking for since I became a Realtor in 2004, honesty! That is very important to me and to my clients. They have every program that can help my clients achieve their dreams of owning a home. They do not over promise what they can do and they are patient with answering questions, especially for first time buyers. They close loans on time and if there is a problem they stick with it until it is resolved.  I highly recommend them for any lender needs.
Dennis and LindaDennis and Linda
Family First Mortgage Group was phenomenal in handling the refinancing of our mortgage. Their communication was top notch; let us know each step along the way what to expect next. It was smooth, quick, and painless. They know what they are doing. Top notch!
– Coldwell Banker– Coldwell BankerKathy Turner, Realtor
Family First Mortgage Group makes the loan process seem easy. Once your clients pre-qualify for a loan with him it is smooth sailing. Family First Mortgage Group has always been able to get the loan closed in the timeframe that was called for in the contract.  I have even had a transaction with a VA loan close in 25 days. Of course, it is also very helpful that AJ is quick to respond to questions that come up during the transaction.
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