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First Commerce Financial is an independent mortgage brokerage licensed in Michigan, Florida, Arizona, and Texas, founded in 2007 by co-founders Ken Turkington and Kirk Chivas, who have worked together since 1997. The company shops loans across 20+ wholesale lenders and charges no processing, administrative, or underwriting fees.

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loan shopping across 20+ wholesale lendersmortgage brokeragepre-approvalsrefinancing