New Home Purchases

Buying a new home does not have to be complicated. Let First Responders Service and Rewards (FRSR) walk you through the process and help save you money. We offer several loan programs including VA, FHA, Conventional, USDA, Fixed rates and Adjustable Rates. Let one of our loan officers help you choose the best program that fits your needs.


Your Steps to Homeownership with FRSR


Determine budget and save for a down payment.

Before you even start looking at homes for sale, it’s important to determine your needs and budget. Then start saving up for that down payment.

Get started today!



Get Pre-Approved

Apply for your mortgage with a loan officer. Know your buying power, monthly payment options, and show sellers that you’re serious with a pre-approval letter.

Get Pre-Approved



Connect with an agent, make an offer, and contract

Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.

Get Pre-Approved



Contingencies, appraisal, underwriting, close, move

Once an offer is accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.

Please contact us today to get pre-approved for a new home loan. Our mortgage broker will make your loan process quick and effortless.

Call David Kelly Today!

To put it simply, he made it easier. And I got $1,500 back at the end of it all.

First Responders Service and Rewards and David Kelly, thank you very much for everything! You’re the only one I’ll be sending friends/family to in the future!

David Kelly, REALTOR

Refinancing works by giving homeowner’s access to a new mortgage loan which replaces their existing one

What are the benefits of refinancing my home mortgage loan?

  • Reduce a monthly mortgage payment
  • Take cash out for home improvements
  • Take advantage of lower interest rates
  • Cancel mortgage insurance premiums
  • Payoff high interest credit cards
  • Saving thousands over the life of your loan
  • Your present mortgage no longer meets your current needs

Please contact us today to determine if now is the right time to refinance. You may be able to lower your monthly payments and pay off your mortgage faster. Our mortgage broker will make your refinances quick and effortless.