1st Choice Lending

1st Choice Lending Mortgage | Mortgage Lending | Mortgage Broker | Home Loans | San Fernando | CA | 91340 1st Choice Lending Inc.

is a full-service mortgage lending firm in San Fernando a Valley, CA . Our commitment to high quality client service and customer satisfaction has made us a leader in the San fernando Valley Mortgage Industry. Believing in having clients for life has been the foundation of our success.

1st Choice Lending has become an expert in working with the 1st time home buyer from government financing, Conve

ntional to Private money our staff is committed to tailoring the right loan for you. The mortgage ompany offers personalized services at no cost including a three year rate protection guarantee. This allows past clients to take advantage of a lower rate at no cost if interest rates were to go down within the first 36 months

History

Established in 2007

Anthony Barcenas the broker/owner of 1st Choice Lending graduated from Cal-State Northridge in 2001, since then he has helped many homeowners purchase their first home. Standing behind his mission statement of having clients for life he has built a successful mortgage company where 80% of all business is by referrals from past clients, CPA's, insurance agents and realtors. Mortgage Services

We are a full service mortgage broker offering diverse range of products

- Traditional 30 years, 15 years and ARM products
- Fixed ARM products-interests only 3,5,7,10 year ARM
- Jumbo fixed and ARM products
- FHA loans with credit loans as low as 560
- FHA streamline loans
- VA loans to $1,000,000
- FHA short refinance
- Private funding( No Income loans)

08/28/2026

We closed the laptops for a few hours today.

Massage Day at 1st Choice Lending — massage tables set up right in the office, deep stretches, mimosas, and fresh strawberries for the whole team.

A big thank you to Antonio, who worked on our entire crew one shoulder knot at a time, and to everyone who came through today. Our team takes care of our clients all year. It felt good to take care of them for a change.

Rest up — we're back at it tomorrow. 💆🍓🥂

It's underway. 💆Massage Day at The Office on Maclay. The therapists are working, mimosas are poured, and there's still p...
08/27/2026

It's underway. 💆

Massage Day at The Office on Maclay. The therapists are working, mimosas are poured, and there's still plenty of afternoon left.

🕒 Until 3:30 PM today
📍 1023 Maclay Ave, San Fernando, CA

Walk in whenever it suits you. No appointment, no cost, no catch — just our way of saying thank you.

Come see us. 🤍

08/27/2026

Today's the day. 💆

Massage Day is here — free chair massages at The Office on Maclay, open to all of our followers.

🕦 11:30 AM – 3:30 PM, today
📍 1023 Maclay Ave, San Fernando, CA

Walk in whenever it suits you. Coffee's on, the chairs are ready, and there's no cost and no catch — just our way of saying thank you.

See you soon. 🤍

08/26/2026

Massage Day is tomorrow. 💆

Free chair massages at The Office on Maclay — no appointment, no cost, open to all of our followers.

🗓 Thursday, August 27
🕦 11:30 AM – 3:30 PM
📍 1023 Maclay Ave, San Fernando, CA

Block off twenty minutes, come as you are, and let us take care of you. It's our way of saying thank you for trusting us with the big decisions.

See you tomorrow. 🤍

08/25/2026

Our followers deserve a break. 💆

We're hosting Massage Day at The Office on Maclay — free chair massages, good coffee, and a genuine hour to unwind in the middle of your week.

🗓 Thursday, August 27
🕦 11:30 AM – 3:30 PM
📍 1023 Maclay Ave, San Fernando, CA

This one is open to all of our First Choice Lending followers — our way of saying thank you for trusting us with some of the biggest decisions you'll make. No appointment, no cost, no catch. Stop in, say hi to the team, and let someone take care of you for a change.

See you Thursday. 🤍

This is the last post of the season. So here's exactly what happens when you call.Minutes 1–5: We ask what payment feels...
08/12/2026

This is the last post of the season. So here's exactly what happens when you call.

Minutes 1–5: We ask what payment feels comfortable. Not your income — your comfort.
Minutes 6–15: You share the basics. We show you three loan paths, not one.
Minutes 16–25: Full real-number math on a home you're considering — every line item you've watched us break down all season.
Minutes 26–30: Your next step. Pre-approval, more thinking time, or a 60-90 day plan. No pressure attached to any of them.

No documents required. No sales pitch. No commitment beyond 30 minutes.

You've watched us run nine scenarios this season. You already know how we think. The only number missing is yours.

Call First Choice Lending or visit myfirstchoicelender.com.

We make it easy.



Ca. Real Estate Lic. 322768

Eight weeks of real numbers. One lesson.Since June we've run the math on: the $600K condo's real payment. Three price ti...
08/10/2026

Eight weeks of real numbers. One lesson.

Since June we've run the math on: the $600K condo's real payment. Three price tiers side by side. 3% vs 10% vs 20% down. PMI's actual cost. The 90 days after pre-approval. The five escrow killers. Waiting-for-rates vs buying now. The 90-day credit rebuild. Student loans, DTI, and self-employment.

Every single scenario ended the same way: the math was friendlier than the assumption.

Not always "yes, buy now." Sometimes the math said wait 90 days and rebuild credit. Sometimes it said look lower. But it always beat guessing — and it never once matched the fear.

Your scenario is one of these, or close to it. The generic version was free on this page. The version with YOUR numbers takes 30 minutes.

Call First Choice Lending or visit myfirstchoicelender.com.

We make it easy.



Ca. Real Estate Lic. 322768

Ten families got their keys in July. All from one office.Congratulations to Barbara Leon-Patino and the entire Reseda te...
08/07/2026

Ten families got their keys in July. All from one office.

Congratulations to Barbara Leon-Patino and the entire Reseda team on closing 10 loans last month.

Ten closings in thirty-one days is not a number that happens by itself. It means ten sets of documents chased down, ten appraisals coordinated, ten rounds of underwriting conditions cleared, and ten families who stopped wondering whether they would ever own a home.

Barbara has spent over 20 years doing this work, and she would be the first to say a month like this belongs to the whole office. Numbers like these come from a team that answers the phone, returns the call, and keeps a file moving when it would be easier to let it sit.

To the Reseda team: thank you for the work you put in. To the ten families who trusted us with the biggest purchase of your lives: congratulations. You earned this.

Thinking about your own move? Call First Choice Lending at (818) 837-6600 or visit myfirstchoicelender.com.

We make it easy.



Ca. Real Estate Lic. 322768

Self-employed in the Valley? You CAN get a mortgage. Here's how it actually works.Half the Valley works for itself — con...
08/05/2026

Self-employed in the Valley? You CAN get a mortgage. Here's how it actually works.

Half the Valley works for itself — contractors, stylists, creators, consultants, gig stackers. And half of them assume self-employment means no mortgage. The real rules:

— Two years of self-employment history is the standard baseline (one year works in some cases with prior W-2 history in the same field).
— Lenders qualify you on your NET income (after write-offs) averaged over those years — this is the part that surprises people. Aggressive write-offs lower the income you qualify with.
— Planning ahead matters: if you're buying next year, this year's tax strategy should know that. We have these conversations with clients' CPAs all the time.
— Bank-statement loan programs exist for strong earners whose tax returns understate reality.

Self-employed buyers don't get rejected because they're self-employed. They get tripped by walking in without the two-year picture organized. That's preparation, not qualification — and preparation is exactly what a 30-minute call is for.

Call First Choice Lending or visit myfirstchoicelender.com.

We make it easy.



Ca. Real Estate Lic. 322768

"We thought we were two years away." They were ready that month.A Valley couple — teacher and an electrician — spent two...
08/03/2026

"We thought we were two years away." They were ready that month.

A Valley couple — teacher and an electrician — spent two years assuming. Assumed they needed 20% down. Assumed her student loans blocked them. Assumed his 640 score wasn't enough.

Thirty minutes of real math:
— FHA at 3.5% down: needed $26K, had $31K saved.
— Her $84K of student loans on IBR: counted at well under half what they'd guessed.
— His 640: comfortably above the floor, with room to price-improve in 60 days.

They didn't become more qualified on that call. They had been qualified for two years — two years of Valley appreciation they paid for in assumption tax.

(Composite client scenario — details changed. The math is real.)

What's YOUR assumption tax running? It's one call to find out.

Call First Choice Lending or visit myfirstchoicelender.com.

We make it easy.



Ca. Real Estate Lic. 322768

Address

1027 N Maclay Avenue
San Fernando, CA
91340

Opening Hours

Monday 9am - 7:30pm
Tuesday 9am - 7:30pm
Wednesday 9am - 7:30pm
Thursday 9am - 7:30pm
Friday 9am - 7:30pm

Telephone

+18188376600

Website

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