Competitive Rates and Exceptional Services.

First Lending has been serving customers in Texas since 2003. Locally owned and operated, First Lending is a direct lender and a market leader specialized in home loans offering favorable terms, low costs and exceptional services.

Rate Quote

We have mortgage solutions for everyone

Conventional
High Balance
Jumbo Loans
FHA, VA, USDA
Foreign Nationals
Commercial Loans

Apply Online

Competitive Rates and Exceptional Services.

Rate Quote

We have mortgage solution for everyone

Conventional
High Balance
Jumbo Loans
FHA, VA, USDA
Foreign Nationals
Commercial Loans

Apply Online

Residential Mortgage

We are committed to help borrowers understand their options for real estate financing and making solid financial decisions. In the past 15 years, we helped tens of thousands of our customers to finance their home with favorable terms and low costs. We offer wide range of programs for all customers:

Conventional
High Balance
Jumbo Loans
FHA, VA, USDA
Foreign Nationals

Commercial Mortgage

We are currently offering commercial loans to following:

Commercial Owner Occupied Buildings
Retail Strip Centers
Builder Loans
Interim Construction Loans
Raw Land

How do I check the interest rate?

The rate you could possibly receive is a combination of circumstances involving the size of your loan, type of property, credit rating and more.
At First Lending, we evaluate every application individually and offer you the best possible terms, lowest possible closing cost, and the type of loan that’s for you. Send us a request online or talk to our loan expert on the phone.
Rate Quote

How do I apply for a home loan?

Applying a loan has never been faster and easier. Start your mortgage process by applying online or talking to our loan expert on the phone. We’ll match your financial situation and goals with our loan options and offer you the most favorable loan terms and lowest closing cost.
Apply Online

Why choose us?

We know the mortgage industry inside out and are committed to help you achieve your goals
First time home buyers Real estate investors New immigrants Real estate agents

We are up to date, extensively trained, and fully implemented to save you time and eliminate worries.

Purchase

We love technologies and have adopted our streamlined process to give you fast pre-approval and to make sure your purchase transactions are closed on time

Cashout

Home values are rising, and rates are still low. We can help you consolidate high-interest debts, make home improvements and repairs, buy other investment properties, pay for major expenses such as car and tuition, or start a business from your home equity.

Refinance

Refinancing at a lower interest rate

Converting an adjustable rate to a fixed-rate loan
Consolidating high-interest debts by using the home equity
Refinancing to a shorter term to pay off mortgage faster
Refinancing to a longer term to reduce monthly payments

Meet our team

Our leadership team brings a wealth of knowledge and experience. Believing in cultures, a collaborative environment, and technologies, we have adopted our streamlined process which truly sets us apart in the mortgage industry.

Kathy Dong, NMLS # 302830

President, Founder

Ada Cao, NMLS # 247154

VP, Mortgage Banker

Shaoli Huang, NMLS # 310910

VP, Mortgage Banker

Li Zhou, NMLS # 1727000

Director, Founder

Sherry Qian, NMLS # 275968

Mortgage Banker

Hua Gu, NMLS # 1496461

Mortgage Banker

Sharon Han, NMLS # 1276800

Credit Analyst

Celine Xu, NMLS # 1935053

Credit Analyst

Allen Yin, NMLS # 1935054

Credit Analyst

Ariel Huang, NMLS # 1930715

Credit Analyst

What Ours Clients Say?

We are committed to help borrowers understand their options for real estate financing and make solid financial decisions.
Since the year of 2003, we helped tens of thousands of our customers to finance their home with favorable terms and low costs.

I want to take this opportunity to thank Jessie and Kristy for their help and support! I can only say that I am humbled and grateful for having them on my side! We got the loan faster than we thought we could all because of their continued support and dedicated work ethics. Their dedication and professionalism are second to none and truly remarkable! In the future if and when we need to get another loan, you know whom I will call first. All the best, and thank you again!

-Mark Song

I am writing to let you how pleased I was with the support that I received from both Linda Zhang and Celine Xu during the process to secure a loan for our home purchase. Whenever I or Cindy had any questions and we had quite a lot of them, both Celine and Linda where always available, even well after normal business hours. They were always very professional and always made time to respond to our email and talk with us on the phone. I have nothing but good things to say about them both and my experience with First Lending. I hope that you take the time to recognize both of these outstanding professionals that you have at First Lending.

-Howard “Jamie” Hartley

Jessie, you have made my mortgage experience unbelievable! There were all these inputs coming from friends, family, etc. that any mortgage would, to the last, will make it a nightmare. But you didn't even give me a chance to experience that. You went went above and beyong in every way to make sure my loan experience was awesome. You have made every step very easy that I never faced a panic situation. You have explained me every ins & outs and offerred me a competitive rate. It was truly a great A+++ experience.

-Rajinikanth Sundaresan

First Lending has been a long term mortgage company for me. Their services have been very good. I have grown to trust them a lot over the years. I have been working with Celine and Ada for several mortgage financing processes. They are excellent business persons. They explained the loan process clearly. Celine and Ada were responsive to all questions I asked. I was very impressed with the work they did. I have recommeded First Lending to several friends. They were very happy and satisfied with their loan experience with First Lending.

-Li Li

My experience working with Sharon and Shaoli was a pleasure. She was completely upfront about the costs and whether the deal made sense financially. She will go over & over if you are having trouble understanding and part of the loan process. We look to Sharon to provide us with honest & reliable information & have never been disappointed. She is always our 1st choice, if we need loan again.

-Sri Harsha Atluri

Last year my husband and I were fortunate enough to purchase our first home together. But we would not have been able to do so where it not for the diligence and expertise of the team at First Lending. They made the entire process simple and easy to understand. We even had a few obstacles to overcome, but with their sound advice, we were approved for our loan and closed on our home on time. I am so appreciative of the service they provided.

-Tori Battieste

It's been our first home purchase and we were fortunate to select First Lending for our mortgage needs. First Lending team Celine and Shaoli have been so supportive and knowledgeable of the entire process. They helped us to sail through and made our dreams of owning house come true with no hassle. They were very easy to work with. Promptness, Customer Service, Patience, Followup are some of their key straits.

Competitive Rates and Exceptional Services.

We have mortgage solutions for everyone

Competitive Rates and Exceptional Services.