1st Financial Lending 
Title Insurance Resources & Links
At 1st choice Title Services, we are committed to making the Title Process Quicker and easier for you, keeping this in mind we have compiled some trusted companies and use full resources. Allowing you to save more time and money.
In the left navigation bar you will find some companies which we have worked with and have thoroughly researched to assure they provide highest quality in their field.
The Title Insurance and Real Estate Glossary
We Understand that a lot of the Title insurance and related "jargon" can become confusing so we are providing a glossary to aid you in the process
Form LibraryFor our customers convience we offer several forms in one easy to navigate location, these forms should cover most of the title insirance forms someone may need.
The Basic Steps at Closing Be Prepared, here are the basic steps of closing broken down into 6 easily comprehensable steps
Credit Agencies
Knowing your credit status and how credit agencies rate your credit also may be a deciding factor, especially when you begin talking to lenders. There are three main credit-reporting agencies that will, for a small fee, send you the most current credit report on file.
* Experian
1888-EXPERIAN (397-3742)
* Equifax
1800-997-2493
* Trans Union
1-216-779-2378
Lenders usually use the following two qualifying guidelines to decide how much of a loan you can manage:
* Your monthly housing expenses - mortgage payment, property taxes, insurance, etc. These expenses should total no more than 28 percent of your monthly gross income.
* Your monthly living expenses and any long-term debts - utilities, car and school loan, child support, health and car insurance, etc. These expenses should be no more than 36 percent of your monthly gross income.