Josh Heffington is a longtime resident of Tennessee, having attended college at the University of Tennessee and worked with First Choice Lending for a number of years. He was drawn to the mortgage and loan industry by his desire to help people buy their dream homes and to help first time home buyers navigate the world of loans and mortgages. First Choice was a natural place for someone with Josh’s skills and interests.
First Choice draws a large number of employees who enjoy helping first time home buyers and thus has built an impressive history of helping families navigate home purchases. First Choice’s many loan product options and its policy of customizing loan products for its customers has made the company very successful since the day the business opened its doors.
After graduating from UT, Josh began giving back to the people of Tennessee and Kentucky by joining the team at First Choice. He believes that a home is the most important asset that most people buy, and as such he wants to help people navigate their home buying experience to the best of his ability.
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He is always competitive…but just as importantly…very responsive & knowledgeable. Josh has helped my wife and I with multiple mortgages. He is always competitive…but just as importantly…very responsive & knowledgeable regarding his loan products. If you are looking for someone to trust your mortgage concerns with, give Josh a call. He comes highly recommended! -Taft
He was able to go above and beyond others, always answering promptly and professionally. he personally contacted the real estate agent and was extremely knowledgable of the HUD hones process. Had lots of wisdom and advice to give. -Michael
He was easy to reach and always responded promptly. Josh was wonderful to work with. He always kept us up to date on the progress of our home loan and explained how the process would work. He was always attentive, patient and kind when we had a laundry list of questions or concerns. He was easy to reach and always responded promptly. I would definitely recommend working with him for your home loan! -Amy
The man was super friendly and approachable. I was having a horrid time with another lending company when I was recommended josh. Josh was able to do in one week what the other company had done on 5 months. He was always available to answer any questions no matter what time or where he was, and even if my question was dumb or I had asked a hundred times already he was always very patient. He was great with keeping me up to date on where I stood with my closing and he seemed to know everything about USDA loans. The man was super friendly and approachable. Not only would I highly recommend josh to anybody, I already have. In short, josh is the man. -Kevin
Josh kept me informed every step of the way and gave his 110%, and anytime I had … Josh kept me informed every step of the way and gave his 110%, and anytime I had a question he quickly gave me an answer…he just went above and beyond thru the whole process. -Roma
We were able to close and have some repair escrow money set aside to take care of … Josh worked with us on a loan for a home that needed some work. We were able to close and have some repair escrow money set aside to take care of some repairs after closing. I didn’t even know such a program existed, but Josh searched and worked very hard to secure our financing. I know we wouldn’t have our home today without his help and two other banks denied us because of the home. -Keith
He honored his quoted rate and did a fantastic job. Josh had helped a friend of mine with a refinance a few months back so decided to give him a try. He honored his quoted rate and did a fantastic job. I would highly recommend his services to anyone looking to refinance. -Daniel
After refinancing with Josh at First Choice, I realized that it is very important … Before I refinanced I thought that all mortgage brokers were the same. After refinancing with Josh at First Choice, I realized that it is very important who you choose and I’m glad I went with him. Josh got a quit claim deed taken care of which needed signing and also helped get an old lien removed which neither my original mortgage nor previous refinance was aware of. We were also able to use an alternative title company which had lower closing fees. The rates he offered were also the best I could find for my loan value. -Garrett
I had shopped Josh with other lenders and he won out. I was selling my 2nd house … I contacted Josh via Zillow several days before calling him. I had shopped Josh with other lenders and he won out. I was selling my 2nd house and was getting a bigger house due to increase family size. He went over with me every mortgage option and I feel I got the best one for me. I would recommend Josh to anyone. -Krista
Josh and his team at First Choice lending really did a great job in preparing us … We had our eye on a short sale for a while and we got paired up with Josh on Zillow for our financing. Our realtor had warned us that a short sale could be time consuming. Josh and his team at First Choice lending really did a great job in preparing us for closing in a timely fashion. We would recommend First Choice to anyone looking to buy a home. -Thomas
We couldn’t be happier, just closed on our home yesterday and Josh exceeded our expectations. I had talked to several companies through the Zillow mortgage marketplace and after a few days of shopping we decided to give Josh a shot at our loan. We couldn’t be happier, just closed on our home yesterday and Josh exceeded our expectations. Our closing costs were less than his initial estimates and so we did not have to bring any money to closing we actually got the money back for the appraisal we paid for.. Josh and his whole team did a great job and would recommend his services. -Frank
Thanks First Choice lending and Josh for walking with me on this journey to buying a home! Thanks for answering my endless questions about this process and being patient with me! Josh Heffington is great choice if you are looking for a lender. -Demetria
Josh was an absolute pleasure to work with. He was very helpful and was able to answer any questions we had within just a very short time. I definitely recommend Josh and First Choice Lending. -David
We have used Joshua Heffington more than once because he is AWESOME!! Whether it was 9pm on a Friday night, 11am on a Saturday, or multiple houses we needed information on, he was on point whenever we needed him!! He definitely went above and beyond helping us buy our new home!! Thank you Joshua Heffington!! You have made this move for us so easy!! -Jessica
We have worked with Josh Heffington for two home purchases now and plan to on any future buys. He is super communicative, and works quickly. He has even helped to just give advice in types of loans that First Choice doesnt handle. I highly recommend Josh to anyone looking for a lender. You won’t regret trusting him with your most important buys! -James
The service we received from Josh Heffington and First Choice Lending was excellent. We are a first time home buyer and had many questions. Josh was always there to answer all of them. I would highly recommend Josh and First Choice Lending. -Alex