Specialties
First Commerce Financial specializes in helping home buyers, move-up buyers, veterans, and homeowners get the lowest mortgage rate available — with zero junk fees and complete transparency on costs.
As an independent mortgage broker licensed in Florida, Arizona, Texas, and Michigan, we shop your loan across multiple wholesale lenders to find the best rate and terms for your specific situation. We are not tied to one bank — our job is to get you the best deal available, period.
We specialize in:
Conventional loans
FHA loans
VA loans for veterans and active military
Jumbo loans
USDA rural development loans
Investment property loans
Refinances — rate-and-term and cash-out
First-time homebuyer programs
Co-founded in 2007 by Kirk Chivas and Ken Turkington, our team brings 60+ years of combined mortgage experience. We have helped thousands of clients navigate the mortgage process with confidence — from first-time buyers to seasoned real estate investors.
No junk fees. No runaround. Just straight answers and a better mortgage.
History
Established in 2007.
First Commerce Financial was founded in 2007 by Kirk Chivas and Ken Turkington — two mortgage professionals who had already spent a decade building one of Michigan's most successful lending operations.
Kirk and Ken first met in 1997 at Pioneer Mortgage in Novi, Michigan. Together, they helped grow Pioneer Mortgage into Michigan's 2nd largest mortgage lender, behind only Quicken Loans/Rocket Mortgage. The company earned a spot on the prestigious Inc. 500 list in both 1999 and 2002 as one of the fastest-growing privately held companies in America.
In 2003, Pioneer Mortgage was acquired by Sallie Mae. Kirk and Ken stayed on to help build Sallie Mae Home Loans into a multi-billion dollar mortgage operation. When Sallie Mae Home Loans closed in 2007, they decided to go out on their own.
First Commerce Financial was built on a simple belief — homebuyers deserve transparent pricing, honest advice, and a mortgage experience free from the junk fees and runaround that big banks are known for.
Meet the Business Owner: Kirk C.
First Commerce Financial is an independent mortgage broker licensed in Florida, Arizona, Texas, and Michigan. We shop your loan across multiple wholesale lenders to find the lowest rate available — with zero junk fees and complete transparency on costs. We specialize in Conventional, FHA, VA, Jumbo, USDA, and Investment Property loans, plus Refinances and First-Time Homebuyer programs. Co-founded in 2007 by Kirk Chivas and Ken Turkington — 60+ years of combined experience. No junk fees. No runaround. Just a better mortgage.