Mortgage Lender Reviews & Ratings » First Option Mortgage
First Option Mortgage NMLS #123411
Key Facts
- LenderFirst Option Mortgage
- NMLS # 123411
- Review sourceVerified FreeRateUpdate.com customers
- Last updated
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About First Option Mortgage
Overview
First Option Mortgage is publicly listed in NMLS records as First Option Mortgage, LLC, a Georgia limited liability company with NMLS ID 123411. Its main NMLS address is in Suwanee, Georgia.
The company website presents First Option Mortgage as a home loan provider for both purchase and refinance borrowers. Its site includes separate starting points for people who want to purchase a home and people who want to refinance an existing mortgage.
Based on the company website, its product catalog includes conventional, FHA, VA, and USDA loan options, along with Fannie Mae Standard and Freddie Mac Home Possible programs. In mortgage work, the catalog is often where the plain nouns live, and here the nouns are mostly familiar ones.
Business Type
According to NMLS records, First Option Mortgage, LLC is organized as a limited liability company. The provided NMLS record lists the company as formed in Georgia, United States.
The available evidence does not clearly state whether First Option Mortgage operates as a direct lender or as a mortgage broker. The company website does state that it works with home purchase borrowers and refinance borrowers.
Website Branding
The company website identified in the provided evidence is www.firstoptiononline.com. The scraped website page title presents the brand as “First Option Mortgage” with the phrase “Start Your Home Loan Journey.”
NMLS-related trade names in the provided evidence include First Option Mortgage, First Option, First Option Lending, Family Direct Mortgage, 1st Florida Mortgage, Capital Lending, Harbin Loans, Mortgage Direct LLC, FOM Lending, LLC, First Option Funding, LLC, Lone Star Financing, www.firstoptiontv.com, www.thepeopleyoucallfirst.com, and www.firstoptiononline.com.
Headquarters
According to NMLS records, First Option Mortgage, LLC is headquartered at 702 Old Peachtree Rd. NW, Suite 200, Suwanee, Georgia 30024, United States.
The NMLS record in the provided evidence lists the company as formed in Georgia, United States. No address history was included in the provided evidence.
Years in Operation
NMLS records list First Option Mortgage, LLC as formed on 10/03/2003. Using 2026 as the current year in the provided evidence, that is approximately 23 years in operation by calendar-year count.
Loan Types
The company website lists purchase and refinance paths. Its product catalog includes FHA loans, VA loans, Fannie Mae Standard, conventional loans, Freddie Mac Home Possible, and USDA loans.
The website excerpt lists several product details, including FHA loans with a minimum credit score of 580, VA loans with fixed rates and ARMs, conventional loans with a 620 FICO reference, and USDA loan program information with a minimum credit score of 580. These details are presented here as stated on the company website, not as a current underwriting approval or rate quote.
Licensing Footprint
Based on the company website’s state licensing page in the provided evidence, First Option Mortgage is listed for licensing in four states: Georgia, Minnesota, Missouri, and Oregon.
NMLS Consumer Access licensing details were not available in the provided evidence because the fetch was blocked. Licensing can change, so readers should verify current license status directly with the lender or through NMLS Consumer Access.
Scale
The provided branch data lists 33 branches for First Option Mortgage. Branch states shown in the evidence are Alabama, Arkansas, Arizona, California, Florida, Georgia, Illinois, Kentucky, Louisiana, Massachusetts, Maryland, Minnesota, Missouri, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
No loan officer count, mortgage volume, or ranking data was included in the provided evidence.
Reputation
A BBB search result in the provided evidence lists First Option Mortgage with an A+ rating and indicates that the business is not BBB accredited. The BBB evidence is marked with medium confidence.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
First Option Mortgage, LLC is listed with NMLS company ID 123411. Consumers can use the NMLS Consumer Access website to verify current licensing and registration information.
Disclaimer
This profile is for informational purposes only and is based on the evidence provided, including NMLS ID 123411 for First Option Mortgage, LLC.
Mortgage licensing information is subject to change. Readers should verify current licensing directly with the lender or through NMLS Consumer Access before relying on any licensing detail in this profile.
NMLS #123411 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Frequently Asked Questions
What is First Option Mortgage's NMLS number?
First Option Mortgage operates under NMLS #123411. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
Where can I read reviews of First Option Mortgage?
Verified consumer ratings and reviews of First Option Mortgage are published on this FreeRateUpdate.com lender profile page.