From the heart of Downey to every corner of Southern California, we’re here to serve you. Our outstanding team is equipped to assist you remotely via phone and online, making the mortgage process seamless and accessible regardless of your location.

Find Out How We May Be Able To Save You $1000’s On Your Mortgage

Yan Wang
Yan Wang
JC has been very professional and helpful for me and my family. He helped us with two mortgages so far. He is responsible, easy to work with, and he can make things happen when other mortgage companies can’t. We really appreciate all his help!
Oscar Gutierrez
Oscar Gutierrez
JC. Irma.Sandra together are a 10 star team.Purchased first home with 1st choice lending and had no issues nor complaints. Very proffessional team. Entire transaction was smooth. Home is beautiful. I highly recommend this team!!!
Mika Mikayelyan
Mika Mikayelyan
I can’t say enough good things about JC. We reached out to him while we were in escrow and 2 lenders couldn’t get it done. We almost lost hope that we are going to be able to close . JC took over and we closed within a few weeks. He was always responsive and answered to all my questions. Definitely recommend him! This guy is a closer!
Michael stackson Flowers
Michael stackson Flowers
Thanks you 1st Choice lending ! Service was beyond exceptional. JC and his team were able to help me and my wife when we needed It most. I'm glad I went with them and you will too! - Michael F
We had a great experience working with JC and his team! Being first time home buyers we were a little nervous about the process but JC and his team patiently walked us through every step and were always available to answer our questions.
Jessica Garcia
Jessica Garcia
JC and his team deserve more than five stars! From day one, JC communicated very well and he was happy to explain any, and every detail along the way. The financial part of purchasing a new house could be overwhelming at times, but the team that they work with, and even the online portals that they use are very efficient. I have recommended JC to my family and friends for their next home purchase.
Haylee Currier
Haylee Currier
JC and his team are the best! Highly recommended. He goes above and beyond expectations and is patient, kind, and highly communicative. You won’t find someone better. Will definitely be reaching back out for my next home purchase.
Very grateful to have worked with JC and his team buying my first home. They made me feel at ease every step of the way. They kept me in the loop throughout the whole process, which I appreciate and was very professional and helpful with any questions I had. I definitely recommend coming here if you are looking into meeting your mortgage financial needs. Thank you again JC and your team!

Our Services

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FHA Loans

Our home purchase loans are designed to make your dream of owning a home a reality. With competitive interest rates and personalized options, we guide you through the process, ensuring a smooth home buying experience.

VA Loans

Our VA loan specialists are well-versed in the unique benefits and features of VA loans. Count on us to streamline the application process and provide guidance on leveraging this exceptional loan program to secure your dream home with ease.

Investment Programs

Grow your real estate portfolio with confidence through our investment property loans. Our team specializes in structuring loans that align with your investment strategies, unlocking opportunities for greater financial growth and success.

2nd Mortgage / HELOC

If you need additional funds for home improvements or other important projects, our second mortgages or home equity lines of credit (HELOC) offer a convenient and affordable solution. Leverage your home’s equity to access the money you need, while still enjoying competitive interest rates.

First Time Home Buyers

Our FHA loans offer an excellent opportunity for first-time homebuyers and those with limited down payment options. Backed by the Federal Housing Administration, these loans come with low down payment requirements and competitive interest rates, making homeownership more accessible and affordable.

Take advantage of these potential savings

VA Loans

As a token of appreciation for your service, 1st Choice Lending is proud to offer VA loans exclusively for eligible veterans and active-duty military personnel. With no down payment requirements and favorable terms, VA loans provide a path to homeownership that honors your sacrifice and dedication.

Find out how we help veterans just like you


What We Do

1st Choice Lending provides personalized lending solutions for real estate ventures, catering to both first-time buyers and experienced investors. With a commitment to transparency and exceptional customer service, we help make real estate dreams a reality for everyone.


Our Approach

Our approach is centered around understanding and meeting the unique needs of each individual. We strive to provide accessible and affordable lending options, fostering transparency and trust throughout the real estate journey.


Our Mission

To supply any buyer with the knowledge, support, and funding required to firmly plant their feet into the real estate market with peace, confidence, and a full understanding of the options and opportunities available to them.


Meet JC Andrade

JC has over 15 years of lending experience and has one goal:
To make 1st Choice Lending your go to lender.


Production Manager



Office Manager



General Manager



Loan Coordinator

Our Stats

$M Funded

Dreams Realized

Years Of Experience

Your Dream,

Our Priority

At 1st Choice Lending, we take immense pride in being a catalyst for your real estate dreams. Our mission is to empower individuals and investors, regardless of their background or experience, to seize opportunities and achieve success in the real estate market. With our guidance and expertise, your journey to real estate triumph begins here.

Client Testimonials

“Knowledge, experience & results. As a real estate professional working with a mortgage consultant who not only cares about his clients but gets the job done is key. Especially in a competitive market like today. Having the right mortgage loan consultant is the difference between getting your offer accepted or not. JC is the lender your need in your corner.”

Carolina H.

“Extremely polite and demonstrates superb customer service. Goes out of his way to make sure customer is more than satisfied.”

Jamal R.

“Juan Carlos got me the best offer, delivered exactly what he promised, kept me informed through out the process, and made the whole refinance process very simple for me.”

Ramon V.