First Commerce Financial, LLC - Arizona Mortgage Broker #1001354

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Gilbert, AZ
First Commerce Financial, LLC - Arizona Mortgage Broker #1001354

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No call centers. No junior loan officers. No getting passed around. When you have a question you reach Ken Turkington or Kirk Chivas.

Working together since 1997, they bring 60+ combined years of mortgage experience. You will have direct access to them!

11/02/2026

10/29/2026

It's the first big check you write when you buy a home, and the one most buyers worry about losing.

Earnest money explained: how much is typical, how it works, and whether you can get it back if the deal falls through, including rules in TX, FL, AZ, and MI.

10/22/2026

Here's what a home inspection actually is, what it costs, and how what the inspector finds can turn into repairs, credits, a lower price, or a way out of the deal.

What a home inspection covers, what it costs in 2026, and how the results can change your purchase agreement: repairs, credits, price cuts, or walking away.

10/16/2026

Here's what's actually going on, which communities are most exposed, and what it means for your mortgage.

What Is a Special Assessment? Why HOA Dues Are Skyrocketing in 2026 — and When It Might Stop October 16, 2026 Kirk Chivas Mortgage News What Is a Special Assessment? Why HOA Dues Are Skyrocketing in 2026 — and When It Might Stop Monthly dues that doubled. A surprise bill for $30,000. A building ...

10/02/2026

Fannie Mae and Freddie Mac just opened the door for every approved lender in the country to start counting your rent, utility, and phone bill payments toward your credit score

Fannie Mae and Freddie Mac now let lenders count your rent payments toward your credit score. Here's what's actually true, what's not, and what to do about it.

09/06/2026

We've been watching this one closely because it affects a real slice of our move-up buyer clients.

Fannie Mae's SEL-2026-08 overhauls how departing residence rental income is calculated — moving away from lease-dependency toward market-supported rents. Here's what changed.

08/14/2026

Two of the East Valley's most established, family-friendly communities, sitting right next to each other in Maricopa County — but they attract buyers for genuinely different reasons.

06/30/2026

Send us your Loan Estimates and we will build a side-by-side comparison and walk through it with you on Zoom. Free, no obligation.

Lenders can make their cash-to-close look lower than it really is — and most borrowers never catch it until closing day. We break down the four tactics to watch for, then offer a free side-by-side Loan Estimate comparison on Zoom. No obligation.

06/20/2026

You found the house. Your agent says there are already four other offers coming in. You have 90 minutes to decide what to put on paper.

Learn how appraisal gaps and escalation clauses work, how they interact, and how to use both strategically without overexposing yourself financially. Real math, real scenarios — from First Commerce Financial.

06/10/2026

When Ken or Kirk walks through the spreadsheet on a Zoom call, they are doing two things simultaneously: explaining the options and reading the room

A mortgage is not a commodity. It is a financial tool that needs to be designed for the person who is going to live with it. Ken and Kirk present every loan option on a live Zoom call with a custom spreadsheet — and they are watching your face the whole time.

Address

1090 S Gilbert Road, Suite 205
Gilbert, AZ
85296

Telephone

+1 248-459-5511

Website

http://firstcommercefinancial.com/

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