1st Choice Lending: Rose Medlen, Mortgage Broker NMLS #1679201 - Bakersfield, California

1st Choice Lending, identified by its mortgage broker, Rose Medlen, with the NMLS #1679201, stands as a notable entity in the Bakersfield, California mortgage industry. Located at 11412 Jimrik Ave, Bakersfield, CA 93312, this business operates both online and through its physical presence, catering to the diverse housing finance needs of residents and property owners in the region.

An Overview of 1st Choice Lending

1st Choice Lending is fundamentally established as a mortgage broker and lender. Their core function revolves around facilitating the complex process of obtaining a mortgage. This involves clients, who are typically individuals or businesses seeking to purchase real estate or refinance existing loans. The company's primary expertise lies in the intricate world of home financing, offering guidance and processing the necessary applications for various types of loans.

Directly associated with Rose Medlen, the broker responsible for this listing brings specific experience and focus to the company's operations in Bakersfield. The NMLS ( Nationwide Multi Listing Service) identifier, #1679201, is a significant credential, indicating that the broker and potentially the company adhere to industry standards and regulations set by governing bodies overseeing mortgage lending practices across the United States. This number serves as a reference point for transparency and accountability within the mortgage sector.

Physical Presence and Accessibility

For those who prefer face-to-face interactions, 1st Choice Lending maintains a tangible presence at 11412 Jimrik Ave, Bakersfield, CA 93312. This physical address is a crucial point of contact, allowing clients to visit the office during business hours. The location is strategically placed within the Bakersfield metropolitan area, making it accessible to a considerable portion of the local population seeking mortgage services.

A significant aspect of their accessibility is highlighted by the mention of an on-site service. This implies that the company is not confined solely to digital platforms but offers personalized assistance within their office walls. Furthermore, the specification of a wheelchair-accessible car park and wheelchair-accessible entrance underscores a commitment to inclusivity and ensuring that individuals with mobility challenges can access their services without difficulty. This attention to physical accessibility is a noteworthy feature for the community.

Digital Engagement and Convenience

In today's fast-paced world, convenience is paramount, and 1st Choice Lending addresses this through its digital offerings. The company prominently features an online booking system, specifically mentioning Online appointments. This digital feature allows clients to schedule meetings with Rose Medlen or her team without the need for phone calls or in-person visits to manage the calendar. This streamlines the process of connecting with a mortgage expert, fitting seamlessly into modern lifestyles that often prioritize digital interactions for service scheduling.

Additionally, the company maintains a website, accessible via bkfld.com. While the specific content of this website isn't detailed here, it likely serves as a hub for more comprehensive information about their services, loan types, rates, and potentially an online application portal. This digital footprint expands their reach beyond the physical Bakersfield location, allowing potential clients from anywhere to gather initial information, thereby broadening their market accessibility within the Bakersfield area and potentially beyond.

Business Identity and Focus

A unique identifier provided is that 1st Choice Lending operates as a women-owned business. This designation signifies leadership and operational control by women, potentially influencing the company's ethos, approach to client relationships, and the types of services emphasized. This focus on women-owned enterprises within the mortgage sector adds a layer of diversity to the financial services landscape in Bakersfield.

Core Offerings and Expertise

As a specialized entity, 1st Choice Lending's primary business is mortgage brokering and lending. This dual role means they not only connect borrowers with various lenders but may also originate and underwrite loans themselves. Their specialties explicitly point towards expertise in navigating the complexities of home financing. Clients would typically consult with them for various mortgage needs, including first-time home buyer programs, refinancing existing mortgages (potentially to secure lower rates or different terms), and obtaining multi-unit property loans.

Given their status as a broker, their services encompass a wide range of mortgage products, from conventional and government-backed loans (like FHA, VA, and USDA loans) to jumbo loans and construction financing. Rose Medlen and her team are likely well-versed in explaining loan terms, interest rates, closing costs, and the entire mortgage process, guiding clients from pre-approval to closing day.

Reputation and Client Feedback

Regarding client feedback, it is important to note that 1st Choice Lending currently holds a noteworthy status: they have 0 reviews on Google My Business. This absence of online feedback presents a mixed picture. On one hand, it indicates that the company might be relatively new to the online review landscape or actively manage client feedback channels. On the other hand, it means potential clients lack direct insight from previous borrowers regarding their experiences, the quality of service received, or the efficiency of the loan processing. The current average opinion score stands at 0/5, which is a statistical default rather than an actual calculated average based on client reviews. This lack of reviews means that prospective clients seeking mortgage services must heavily rely on the information provided by the company itself, such as their website, direct communication with Rose Medlen, and potentially word-of-mouth recommendations within the Bakersfield community.

For individuals exploring mortgage options in Bakersfield, 1st Choice Lending represents a provider specializing in residential real estate financing. To engage with their services, potential clients can utilize the provided phone number, 661-472-0862, to initiate a direct conversation. They can inquire about current interest rates, explore loan options tailored to their financial situation, schedule an appointment through their online system or by phone, and learn more about the women-owned aspects of the business. The physical location remains a key point for those opting for in-person consultations.

Conclusion

1st Choice Lending, under the guidance of broker Rose Medlen, offers mortgage brokering and lending services from its Bakersfield, CA base. Key features include a physical office with wheelchair accessibility, online appointment scheduling, and identification as a women-owned business. While operating in a competitive market, the absence of online reviews means transparency and direct client interactions are vital for potential borrowers considering their services for home financing needs within the Bakersfield community.