We had a great experience with First Choice Financial. Julie was excellent and the process was completely seamless and easy. It was very much no stress all the way. As far as numbers go, First Choice offered us the best deal, much better than what we found at traditional banks. And the loan process was a breeze. Whenever something came up, Julie made sure to quickly communicate what to do or send. She was easy to reach and always there for questions. Julie treated us with the utmost respect and professionalism. You could plainly tell that not only was she a seasoned pro, but that she also had our best interests at heart. Huge plus. There is no comparison between First Choice Financial and major banks. It was such a better process than I am used to, I am really kicking myself for not using them sooner. I would highly recommend. read more

We can't say enough wonderful things about Julie at First Choice Financial! From the very beginning, she made a stressful process feel smooth and manageable. Julie was always patient, kind, and incredibly responsive. No question was ever too small, and she took the time to explain everything in a way that made sense. What really stood out was how much she genuinely cared about helping us reach our goal. She went above and beyond to make sure every detail was handled and kept us informed every step of the way. It honestly felt like we were working with a trusted friend rather than just a lender. Thanks to Julie's hard work and guidance, our experience was smooth, positive, and even exciting. We're so grateful for her support and can't recommend her highly enough to anyone buying a home! read more

Great company to work with for all your financial needs. Julie Mancuso made the process super easy and fast. First financial will be my go to place for all my financial needs. You guys are AWESOME!!! read more

I want to thank Richard and Julie at First Choice Financial for such an amazing Experiance. I was immediately impressed by Richards professionalism, courtesy and willingness to go above and beyond. I cannot thank him enough for the thorough job he did. He is a true professional and I would use Richard and First Choice Financial again in a heartbeat. I am beyond satisfied and grateful for the hard work he put forward to help me get approved during a difficult time. He's an amazing Broker and Friend. read more

Richard Mancuso was my lender and he made buying my first home such an easy process. I couldn't thank him enough for making it easy and very informative. He was always up to date with everything going on and verified all documents were correct to move forward. I will be referring him to anyone I know because you can tell he truly cares about the people he works with! read more

This is the 2nd home that we finance with the help of Joey and First Choice Financial. We were impressed and thankful with our first home that now we are repeat customers. The team works diligently towards closing and and making the process headache-free. We definitely recommend them 1000% for the loan approval process. And the incredible rates are a bonus! Thank you Joey, and thank you to your team! read more

Working with Richard Mancuso and First Choice Financial was a complete pleasure. We were always well informed and knew exactly where we were in the process. I would highly recommend Richard and FCF! read more

This past June 2024, with the help of Richard Mancuso I leveraged my home buying power. A home buying power I did not even know I had until I spoke with Richard Mancuso. Richard provided education all through the process. I felt my preferences and requirements when searching for a property were heard by him. The home buying process is a very exciting time and full of anticipation in one's life. The anticipation of hearing from the bank for the loan approval. The anticipation of the closing. The questioning whether not one is making the right decision. Through all this anxiety Richard was there providing me with education and reassurance that everything was going to be ok. Richard guided me through the pre-approval process for a home, to the inspection and closing. I was fully aware of all the costs associated with buying a home that one normally does not think about. The challenge for Richard was working with in my budget. He knows I was interested in either a condo or a town home. This task should have been easy right? The real estate market seems to be flooded with condo and town homes in South Florida now. The challenge was finding a condo community with sufficient reserves allowing a 5% down payment. Richard did all the research to find properties within my parameters making the home buying just a bit less stressful. I tell this story to say, if there is a real estate agent out there looking for someone to work with Richard is guy. He was amazing and even showed up to my closing with a bottle of Scotch. read more

Joey was great helping us get our mortgage! Shopped around for the best rates. Easy to get a hold of and responds almost instantly. Office location conveniently located. We made the right choice choosing First Choice Financial! All documents were clearly explained to us in a timely manner as well as at closing. So glad we didn't go directly with the bank and chose Joey Rivero. If you're shopping for a home loan check him out! read more

My husband and I worked with Julie Grushoff at First Choice Financial to obtain a mortgage for the purchase of a new house. It was not the first time we were buying a home but it seemed that in this new climate, lenders just want to see more. That is why I am glad that out realtor recommended Julie. Julie walked us through the mortgage process. The first step was pre-approval. That was relatively easy. We met Julie at an open house she was doing, gave her the needed document. After that came the hard hard work. It seemed like Julie wanted to see every obscure document from our financial history. We had to call banks, go the court house. We wondered if all this was needed? Was there ever going to be an end to the document chasing? Yes!!!!! These days, banks are extra careful when handing out loans. Julie works hand in hand with an underwriter to maker sure everything needed for that loan to go through is present. She makes sure every I is dotted and every T is crossed so there are no surprises and your loan goes through. It can be so disappointing if you have your heart set on s home and the deal does not go through. So if you want to see if you qualify for a loan see Julie. She will give it to you straight. If you do qualify, Julie will see you through every step of the mortgage process, even if it is a difficult loan. Julie is very accessible via her personal cell phone and E-mail. She will always be there when you need her. I highly recommend Julie Grushoff. read more

Smooth mortgage process with clear actions and directions. Joey always answers his phone, texts and emails. and made the entire process painless! I felt very grateful for the answers and guidance. The personalized service you receive is essential. Every detail is covered. And no question is too small. I was the most important customer on every interaction! read more

As we sit in our new home, we recognize how fortunate and blessed we are to have had an amazing support team behind us. First Choice Financial was a HUGE part of this major life accomplishment for us, as they were consistently kind, genuine and helpful, but also incredibly knowledgeable. The best part? They are still assisting us with our questions after the sale of our old home and purchase of our new one. Julie Grushoff is truly amazing, she has been so wonderful to us - we are forever grateful! Thank you, thank you, thank you! read more

I decided to go with First Choice after speaking with Joey Riveiro. Joey is knowledgeable, patient and straight forward. He does not sugar coat the process or lies about the outcome. He walked us through the entire process with the utmost diligence. He truly made our first time home buying easy and enjoyable. read more

First Choice Financial, and specifically Joey Rivero were amazing throughout the whole mortgage process, from preapproval, to after closing Joey was constantly in contact updating my wife and I every step of the way. He would answer calls and texts no matter the day or time and made sure we were satisfied with all steps in the process. Joey takes care of everything, all we needed to do was provide any documents and sign anything that we needed to sign. All paperwork was prepared, revised, and updated by him and we made it to closing on time with no lingering questions or doubts. If you want someone who actually cares about you getting a home go with Joey Rivero and First Choice Financial. You will not be disappointed, this is a company that cares and will help you find the best loan and the best rate for you. read more

Despite all the planning in the World, rarely does any real estate transaction go "without a hitch." That's where Julie and the team at First Choice Financial shine! They were proactive at every point of the process and went above and beyond to protect our interests and ensure our closing was completed on-time. Superstars! read more

Julie was very helpful during our first time home purchase! Thank you for being kind and answering all of our questions and making our mortgage process go as smoothly as possible. Will recommend to others! read more

Joey is a phenomenal loan officer and our experience working with him was out of this world. We have heard horror stories about home buying and working with Joey was so blissful and exciting! He met and exceeded our expectations! He was always there when we needed him, anytime we had any questions, he answered them - morning, noon, or night, even on weekends. Joey is a very hard worker and is genuine in his art. I would recommend him to ANYONE looking to buy a home. He helped us buy our dream home and we could not be more grateful for him. read more

We found Joey by chance, at a time when we were about to give up hope on everyone we had crossed paths with during this home buying process. In one 30 minute conversation he gave us better advice than we had received in the 4 months we searched for a home and lender. Joey is hands down the most knowledgeable, transparent and professional broker I have ever worked with (we shopped around with a few) and he works solely in the best interest of his clients. He made this process so easy and stress free for us and I am still shocked how quickly he was able to do it all. We are forever grateful to him and his company for helping to make our dream a reality. Highly recommend! read more

I had an amazing experience with the recent refinance of my home with Richard Mancuso and First Choice Financial. Richard is extremely professional, reliable and courteous. He made the whole process go so smooth from start to finish. I am so thankful for Richard and highly recommend!!! read more

I recently closed on a new loan at the end of August. This was our 3rd time using Julie and First Choice Financial. First 2 were refis and this was a new construction home that we bought and did a conventional loan. Julie made the process so easy and everything closed on time. She went out of her way to talk with the builders reps when there was an issue with our appraisal. I don't think we would have closed on time without her! As stressful as the process can be, going with Julie was the best thing we ever did! I highly recommend her and her team for their competence and we got such a great rate as well. Thank you again, Julie! read more

This is my 3rd time using First Choice Financial and each time I am more impressed than the last! I have referred them to all of my family and friends and not one person has been disappointed. Having a lender is one thing but with first choice you have a lender who actually cares about you and your budget. They go above and beyond to make sure you understand every detail and will take your call at any time. LITERALLY! Most people say that you can call them any time but it's not real...with First Choice it is real! Weekends, evenings, holidays, they answered EVERY time! Do yourself a favor and call first choice! read more

It was a great pleasure working with Joey Rivero, his knowledge and attention to every detail was absolutely on-point every step of the process. He came highly recommended from a coworker who had purchased a home through him just a few years prior to my recent home purchase. His years of experience in the field made a huge difference in the outcome of my situation. I highly recommend him to anyone buying a home. read more

First Choice Financial / Joey Rivero made my experience of getting a home quick and effortless. I qualified with him and went house shopping the same day! I made an offer on my property within 1 day after getting pre-qualified for a home purchase. He keeps the lines of communication open and answers all questions ASAP. I could reach him any time of the day or night with a question and always received a quick response. I closed on time and couldn't have gotten my house so quickly especially since it happened during the quarantine period. This is my 2nd home loan I've gotten through Joey. I trust him and his work and he is the person you should contact when wanting to purchase a home to help you with your loan or even if you wanted to refinance your mortgage. Don't hesitate to call this company. I got a low interest rate of 3%, he makes sure he gets you the best rates available. read more

Julie Grushoff is absolutely amazing. She is quick and accurate with all her numbers . she is great with communication and will tell you straightforward everything you need to get you to closing . She is patient and helped my fiancé and I so much every step of the way . Thank you for getting us into our first home . read more

Joey and his team were exceptional to work with. The best rate around was much appreciated, but the personal touch is the reason I will recommend him to all who ask for a great lender. Patience, empathy, and expertise is top notch. Couldn't be happier!!!!! read more

Joey Rivero is awesome for arranging your home mortgage loan! He's competent, kind, and easily accessible (important when you work fulltime). Instead of working directly with a large bank, he does a lot of the hard work in making a home loan less stressful and an easier process. Honestly, I started out skeptical and was pleasantly surprised with his competence and ease of the process. read more

Julie helped us with buying our first home. We couldn't be happier with her performance and endless patience as we asked question after question at all hours of the day and night. Always patient and willing to explain and follow up promptly. Would recommend to friends and family. read more

All of our family members have used Joey Rivero for all of our mortgage needs. Mr. Rivero is one of most trust worthy people in the industry. You can't go wrong with this company. Perfect every time. 100% satisfied read more

We worked with Joey Rivero, he was always available and more than willing to explain the process and guide us through it all. We are so grateful for his advice and guidance, he always made sure we were clear on everything and that deadlines were properly met. Thank you for everything Joey! read more

Julie Grushoff went above and beyond for my husband, Josh and I. Anytime we needed her assistance with our home loan, she was easily accessible and got the job done when others couldn't. Thank you Julie for your hard work and dedication! read more

We used Joey Rivero and First Choice Financial on recommendation from a close friend and we were not disappointed. We purchased our first home with Joey and he was available to answer any and all questions that we had for him. He guided us through everything including the pre-approval, steps we needed to take to get the best loan possible, and everything in between. Whether it's your first home or twenty first home Joey is definitely your go to guy! read more

We worked with Julie Grushoff and FCF as lenders for our first home and she went above and beyond. We wanted to close fast but not rushed, and as first time homebuyers that's exactly what she did for us. Julie really knows her stuff and because of that we had a great experience. Our circumstances were far from the norm, but she and First Choice Financial made it happen. I'm actually a little bummed it's over because she was such a pleasure to work with! read more

I had a realtor give my information to Elyse Goldfarb against my will, as I already had a pre-approved with a phenomenal rate. Next thing I know, she's emailing me about how I don't make enough to buy a house and all this other madness. I told her that she obviously didn't know what she was talking about as I had done more than my fair share of homework on this venture, and for her to leave me alone. Apparently that made her go crazy, as I've now had to ask her three times to leave me alone. I've asked the realtor to call off her dog and I'll find a new realtor. Nothing seems to work. Their rate is too high, their facts are flat-out wrong, they won't stop... Hopefully someone in their office will read this and get Elyse Goldfarb to drop her infatuation with me, as I have a reputable loan officer who knows what he's talking about with my pre-approved in hand. read more

I worked with Joey Rivero to obtain a mortgage for my dream home. My situation was extremely complex with many moving pieces as I was going through a divorce. Joey was able to maneuver through several unexpected hiccups. I was lucky to get Joey as he is a proven expert in getting mortgages done. He was diligent, reliable, and assertive. I highly recommend Joey Rivero and First Choice Financial. read more

Call First Choice Financial before you even call a realtor. If you are trying to buy a home, you will not be disappointed! My husband and I worked with Joey Rivero and he was AMAZING. Our loan was closed in 14 days and it was the smoothest process I could have ever imagined. Joey was a step ahead of everything and kept my husband and I informed during the process. This was my first time buying a home, so I needed all the help I could get. Joey is so knowledgeable and easy to work with, I would never go anywhere else for a mortgage. He is the BEST!!! read more

This is my second time working with Julie and she was nothing but amazing. As challenging as purchasing my second home was due to unforeseen circumstances, I could not have done it without her. She fought for me until we finally closed and never gave up! Purchasing a home is extremely stressful but Julie kept me informed and helped me understand. She made the process a little easier. I would not go through purchasing a home without her! read more

Mr. Joey Rivero is a mortgage broker, which I have never used in the past, after the pleasure of working with Joey, I would never do it through a bank directly. Joey's level of knowledge in his job made it a breeze purchasing a home with him. I have dealt one on one with the banks before, in the office you feel very welcome, but once your paperwork goes to some mysterious back office that you don't hear from them for weeks at a time you just become an account number to them. Then the purchase becomes very impersonal, forget about asking questions of any uncertainties in your big investment ! I had great Pleasure working with Joey and would recommend him highly ! read more

I recently purchased a house 2 months ago and I must say if it was not for Julie Grushoff this would have NEVER happened. Yes of course she is the money person and I needed the money but if it was not for great capacity of negotiation and diligence for every paper , document , appointment and so on this process would have been really really difficult. She was patience , kind and ALWAYS willing to help ANY TIME, ANY HOUR to answer all my questions a doubts. she is THE BEST and I am already recommending her and her time to every people I know wan to get a property in south Florida. read more

We found First Choice Financial by recommendation of a friend that closed on his house previously. We contacted Julie at First Choice and spoke for awhile she answered all our questions and concerns that we had before giving her my information which was nice. There was no pressure to get our credit run before answering our concerns. once we decided to move forward with Julie and our loan application everything happened effortlessly and fast. We were impressed as we remembered our last loan process (different Company)was not so good. so anyone considering this company all we can say is you won't be disappointed. WE THANK YOU JULIE EVERYTHING WENT GREAT AT THE CLOSING!!!! John & Karyn read more

Jose Antonio Rivero was not pleasant to deal with (very proud and cocky attitude), but did show eagerness to get the loan closed which his staff under his responsibility did well. However, when it came time to collect commission from the loan I worked with him on aside my own, he became the typical greedy mortgage banker and stopped returning calls and refused to pay. As far as loans closing the staff performed within reasonable time frames, nothing special but nothing bad. When you try to partner up with him or depend on him solely good luck, like a child in a candy store, he wont share, he keeps all the glory and will tell you that he did everything and dismiss his own staffs work and yours. read more