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"I just refinanced my house with Larry at first family mortgage company. The process of getting any kind of mortgage today is usually very complicated but Larry and his assistant Lara explained everything and made sure I was completely satisfied. The customer service is exceptional and showed me courtesy and respect. They are saving me hundreds of dollars every month now and as long as Larry and Lara are in business together I will be a customer." - J.R.

"Larry Thompson and Laurie Potts, what a team! They helped me get my 1st and 2nd mortgage combined and a lower rate as well. I am now saving 550.00$ a month. Things are gonna get a little easier every month for us now. Thanks again 1st Family Mortgage!!" - Mark and Terri Anderson

"I will tell anyone and everyone if you need a mortgage loan or to do a refinance there is only one place to go 1st Family Mortgage and ask for Larry Thompson. He will take care of your loan like it was his own and most importantly he will GET IT DONE!" - Pam B.

"My husband Allen and I have just recently refinanced our home through First Family. We had two of the most awesome people guiding us every step of the way. They answered any questions and helped us get the best rate possible. Thank you Larry Thompson and Laurie Potts. ROLLLLLLL TIDE, LARRY !!!!!!" - Allen & Ronda Thrower

"This was my first time buying a house and LarryThompson was very helpful. He made the process as painless as possible Im not saying that we did not have any snags but Larry handled everything in a very professional and personal manner." - Jeremey

"I refinanced me home with Larry Thompson and was extremely satisfied. If it were not for Larry I would be in the poor house by now. He worked harder then you would expect from todays workforce. Larry was very patient with my stopping be to ask questions. He is the best." - Richard Dutton

"Being new to the area, 1fmc made it easy and painless to close on my home, even with the tornado, its subsequent power outage, and the long distance we were communicating over. Add in the fact that we used a VA loan, and a potentially complicated process was a breeze." - Lawrence & Miriam

"Rainey is one of the best mortgage specialist I ever had,she is very professional at here job, she also took very good care of our needs, she made it about effortless. I could not have a better person take care of my loan, I will recommend here to friends and family,, We recently refinanced our home with 1st Family. Rainey is one of the best mortgage specialist I ever had,she is very professional at here job, she also took very good care of our needs, she made it about effortless. I could not have a better person take care of my loan, I will recommend here to friends and family." - Chuck Janek

"We had been shopping rates to re-finance our home mortgage. Everyone talked a good game, but couldn't complete what they had promised. When I heard about 1st Family Mortgage on my drive to work, I thought, "this is it!! one more try" and I was so happy I did. Tim was so professional and took the time to explain our options. He helped advise us with his knowledge, but ultimately allowed us to make the dicision that best fit our family. It was very refreshing to work with a company that cares about our family. Hence the name 1st Family!" = Jane Moore

"1st Family made it a pleasure to refinance my mortgage. The 1st Family team, especially Tim Byrne, are experts in their field and presented me with direct, solid advice, questions and answers with precision and timeliness. It was a fun experience and I will recommend 1st Family to those seeking mortgage help in the future. Thank you very much!" - Gerry Fohner

"What a great experience! I was reluctant to refinance because of the perceived workload, but Tim and his team made the entire process painless! 1st Family was able to reduce my payments by $200 a month, and I dropped 12 years off the life of the loan! I would recommend them to anyone looking for a mortgage, and should have been working with them earlier myself!" Scott in Murfreesboro

"I had a terrific experience with FMC. Larry and Laura were super. The process was easy and efficient. I recommend them to anyone who needs a loan." - Vern

"I called 1st Family to check on refinancing my home. They helped me right away. Everyone was so nice and very freindly. Larry Thompson and Laura were always so helpful. They always answered any question I had. Larry was avalaible anytime and for anything I needed. I would recommend them to my family and friends." - Tammy Jones

"When we first talked with Larry and Laura, we were not sure that there was much they could do for us. We already had a 15-year fixed rate mortgage at a decent rate of %5.35. We went in looking for a HELOC and after talking with Larry, decided to refinance at an even lower rate. They both made the process easy and as stress free as possible. It did take a little longer than we thought it should, but we made it through and were pleased with the results. We got the lower rate, paid off 2 credit cards and got a lump sum back at closing, all without raising our monthly payment. Thanks again, Larry and Laura." - Tim and Beth

"After hearing the commercials on the radio for several months, I finally decided to call First Family Mortgage. I am so glad that I did. Tim Byrne worked with my husband and I and took us from a 30 year mortgage to a 15 year mortgage and our payments basically stayed the same! I never thought that before the age of 30, I would be able to have our home on a 15 year mortgage! With our first child coming in October, it feels great to have made such a great decision for our future. If it weren't for Tim and First Family, our family would not be as financially secure as we are now. Tim was wonderful and helped us every step of the way. I recommend First Family to anyone looking to purchase a new or home refinance an existing one. Thanks First Family!" - Jill Fiala

"If you are looking to refinance with 1st Family, I would highly recommend Tim Byrne. He worked hard to close our loan as fast as possible and got us a great rate. He was probably the only loan officer that I ever dealt with that responded to any question that I had quickly. He'll be my loan officer for life." - Kristie

"Having recently divorced and needing to refinance my mortgage in this trying ecomonic time, I found Tim Byrne a pleasure to work with. He was very professional and worked diligently to help me refinance, all the while working within my budget. He handled everything and kept me informed through the whole process, making it burdensome-free for me. I highly recommend him and 1st Family Mortgage!" - Jennifer

"Carmon, what a great experience... you were very helpful and willing to go that extra mile to help. You are very professional and caring. I would recommend you and 1st Family to anyone. Thanks again for all you have done for me during this mortgage process." - Johnny Hunkapiller

"It was definitely a pleasurable experience for me to work with 1st Family Mortgage Company, specifically MS Carmon Gray and Nicole Hester. They have worked with me closely to ensure my closing was completed as scheduled, despite the various little problems that arose throughout the process. They are very knowledgeable in this discipline, which was clearly evident during this process. But more importantly, they took the time out of a busy schedule to ensure that I was consistently being updated throughout the loan process. Thanks for an excellent job!" - Edward M. Bourne

"Carmon Gray was a tremendous help to my family and I. I was really worried that we might not qualify for a loan, but Carmon assured she would do everything possible to help us out. She is wonderful to work with and always has a positive attitude." - Carla Gafford


"Came in wanting a 20k to 30k loan for debt consolidation loan walked out with a 50k loan that cut our monthly bills by 700$. Larry Thompson made the process simple and easy. Thanks" - Mike Lockard

"Carmon Gray has been instrumental in our obtaing the financing we need to purchase a home in Alabama. Relocating from Georgia, we had to start from scratch, not knowing anyone to turn to for assistance. Carmon went the extra mile to assist in more ways than the average loan officer would. We are very grateful for her and Nicole's (her assistant) help. Our home purchase would not be taking place if it hadn't been for them. I would recommend Carmon to anyone who is seeking a mortgage by a qualitifed professional who is also friendly, courteous, and goes above and beyond all standard expectations. Great service like hers is no longer the norm in our fast-paced, instant society. We are grateful for her help." - Michelle Holland


"We worked with Carmon Gray to refinance our home. She was a pleasure to work with; handled everything; and reduced my monthly payment by 0ver $1000 a month. She was so good to work with that when my son started looking for a larger home, I sent him to Carmon for the financing." - Ralph

"My experience with First Family was a pleasant one. Larry really knows his stuff, and I would highly recommend him to others." -Calandra

"Carmon Gray and her assistant Nichole Hestler are truly professonal in every aspect of the mortgage lending industry. I am a realtor with Crye-Leike in Madison. I keep Carmon's business cards with me at all times. Not only do I recommend her to my clients but also to my family. As everyone knows, real estate transactions can become very complicated. A good deal can be lost with a negligent mortgage lender. Carmon is exceptional in her knowledge and willingness to over come obstacles and challenges in order to provide the best service possible to her clients and the public. I am very thankful to have the opportunity to work with 1st Family Mortgage and Carmon Gray." -Robin Gerrish

"I would like to thank 1st Family Mortgage and Tim Byrne for such wonderful service while refinancing our mortgage. Tim is awesome and we will definitely recommend him and 1st Family to our family and friends. Thanks again!" - Kristie Fowler

"Hey just wanted to drop a line to 1st Family Mortgage and say thank you to Larry Thompson and Laura Potts for making our home refinancing a wonderful experience. Not only is it saving me over $300 a month, it has also increased my credit score by 15 points!!! Larry and Laura my sister and brother-in-law are looking to refinance and I'm sending them your way!! Thanks again, Linda." - Linda Hampton


"My experience with Mitch Quick & 1st Family Mortgage was truly an awesome experience. I had every questiioned answered with a positive attitude. Mitch made the whole process easy no rushing he explained everthing so I understood. He is a good man his customer is his business which makes you the company I would send others to. Thank You for giving me peace in my life & choosing to refinance my loan. The company I was with not only refused to work with me in other words they were making me pay out for their careless mistakes. God Bless Mitch Sincerely, Tammy Smith." - Tammy Carol Smith

"I was hearing the commercials and the confessions on a local radio station everyday of how FMC could help you refinance and lower your payment. I then started seeing the commercial on TV every morning on the local news. It kept going over and over in my mind "All it takes is ten minutes and one quick phone call to get you started." This was one quick phone call that was legit!! I was directed to Tim Byrne who walked me thru the process of refinancing and consolidating some unsecure debt. In less than a month I am securely back on my feet financially with ONE payment that only changed a couple of dollars a month. Thanks Tim for your professionalism and courteous service." - Steven & Julie

"Rainey, I am very grateful for all of your efforts. Throughout this process you have been professional, knowledgeable, helpful and prompt in dealing with me. I know that you have spent a tremendous amount of time working to ensure that I have the right loan and structure for my circumstances. Your efforts to assist me with correcting errors on my credit report were above and beyond the call of duty and much more than I would have ever expected. It has truly been a pleasure to work with you. I would not hesitate to call on you for future mortgage needs and would gladly recommend you to anyone. Best Wishes, Bo Graham" - James Graham

"My wife and I contacted 1st Family to refinance a first and second mortgage. Earlier in the year we were told we did not qualify for refinancing both mortgages. However, Larry Thompson and Laura Potts did not stop until we combined both mortgages into one with a very comfortable mortgage rate. Now, we have a 15 yr. mortgage with an interest rate lower than my parents had in 1963. Larry and Laura walked with us every step of the way and made the process very simple and affordable. My wife and I are grateful to 1st Family for helping make our financial stability more concrete." - Stan Long

"Hello Rainey, I want to thank you for being my Mortgage Advisor, and for the outstanding job you did at working through and securing my refinance loan. It was very refreshing for me to work with a professional that follows up on what they say they will do and keeps their client updated every step of the way. I had a less than stellar experience about a year ago trying to refinance my home. The Mortgage Advisor was difficult to get in touch with and I ended up mostly dealing with his assistant. I felt like I was misled from the beginning. My experience with you has been very pleasant. I will definitely recommend 1st Family Mortgage Company to my friends and highly recommend that they specifically ask for YOU. Thanks again for a job well done!!" - Ken and Ann Wilson

"Being new to the area, 1fmc made it easy and painless to close on my home, even with the tornado, its subsequent power outage, and the long distance we were communicating over. Add in the fact that we used a VA loan, and a potentially complicated process was a breeze." - Lawrence & Miriam

"We were so lucky to come across Rainey Powers, she is such a remarkable woman, who went above and beyond to help us. She is such a great asset to the company. We highly recommend her service to any one who is looking to buy or refinancing. We definitely will be back if we need anything.. we were very satisfied with all she has done." - Chuck & Dorothy Janek

"I was able to refinance from 5.875% for 30 yrs to 4.25% for 15 yrs and cash out some equity with nothing out of pocket. Mitch and Jami Quick were extraordinary with their customer service and the entire loan process was quick and painless. Thanks for your help, 1st Family!" - Leigh

"My wife and I have been waiting 5 long years to refinance our home. Our previous mortgage was an ARM, which sounded great at the time. However, the mortgage company failed to tell us about a prepayment penalty if we sold or refinanced our home within 5 years. 1st family took our original mortgage, which was 30 years at 6.375% and put us into a 15 year at 4.250%. We shaved 10 years off our home purchase and our monthly payments wen down significantly. Thanks 1st Family!!!" - Andre Cowart

"I learned about 1FM listening to a local talk radio station, called and was referred to Tim Byrne. Tim guided me through the whole re-fi process like the pro he is. It was the easiest home loan application I've gone through yet! He even introduced me to his "over the top" boss (Roll Tide). It was smooth!" - Greg Mitchell

"I just recently used 1st Family Mortgage to refinance my home. I was on a 30 year term at 8% rate on the 1st mortgage and 9.5% on the 2nd mortgage. When I originally took out the mortgages I was not familiar with the aspect of financing and thought what I was doing was the right option for me. I soon realized that I had been taken by my previous mortgage lender. 1st Family came in and showed me how to reduce my interest rate on both mortgages, pay off $25,000 in revolving debt and lower my payments to a 15 year term. It has tremendously helped my family get back on track and feel as if we are not throwing our hard earned money away anymore. Since we got this wonderful guidance from 1st Family I have been able to use the money we saved on our monthly payment and put braces on 2 children and pay cash for it in a matter of 6 months. I would use 1st Family again and highly recommend them to our family and friends." - Deanna Schmidt

"We hear the commercials all the time. We have been working very hard to improve our credit rating. When we first contacted First Family the loan officer shared with us our credit scores; they had improved but still not eligible to get a mortgage. Thankfully, he gave us a plan of action to help us get ready to purchase. Three months later, following his guidance, we were able to purchase our first home. We will definitely refer business to First Family Mortgage. Thank You!" - Lynn

"I want to thank you for being my Mortgage Advisor, and for the outstanding job you did at working through and securing my refinance loan. It was very refreshing for me to work with a professional that follows up on what they say they will do and keeps their client updated every step of the way. I had a less than stellar experience about a year ago trying to refinance my home. The Mortgage Advisor was difficult to get in touch with and I ended up mostly dealing with his assistant. I felt like I was misled from the beginning. My experience with you has been very pleasant. I will definitely recommend 1st Family Mortgage Company to my friends and highly recommend that they specifically ask for you. Thanks again for a job well done!!"

"First Family Mortgage is a life saver, after my wife lost her job we didn't know what to do, we heard Conrad Thompson on the radio and called the number he gave and talked with a loan officer and they were able to payoff some debt and get me in a payment that I could afford. I don't know what I would have done without them." - Rosie

"Absolutely the best experience I could have ever dreamed of. I was skeptical at first when I read a few negative reviews but then I realized that you can't make everyone happy and I have been told by MANY people how well they were treated by First Family Mortgage. When I signed my sales contract on my new home I was given 45 days to close on the financing. First Family closed my loan in two and half weeks. Everytime I called I was treated with respect and I recieved email updates from my "loan guy" Jon Bloomingburg. I was amazed at the service, professionalism, and unbelievable savings I recieved at First Family. My agent had a list fo preferred lenders and I compared numbers between 5 lenders and was glad I chose who I did. I doubt anyone ever reads these reviews but I want to say THANK YOU to Conrad Thompson, Jon Bloomingburg, and everyone in their office. I highly recommend them and will use them again."

"Just a quick note here referencing 1st Family Mortgage. Being a skeptic by nature I was very reluctant to call as I figured this was some sort of scam or large conglomerate company that cared more about the profits and less about the consumer. That could have not been further from the truth. My experience with 1st Family was pleasant and my expectations were met. If you are seeking a company that is local based and cares about the you as a consumer, give them an opportunity."

"I refinanced my home with 1st Family Mortgage last month. Conrad's ads sounded too good to be true. I called in just to see, and now I am saving $836 a month. I have a 15 year loan instead of a 30. They were super helpful and friendly." - Kerry in Madison

"I love 1st Family, they helped me take all of my bills and roll them into a 15 year mortgage and by doing that I save $1500 per month. They were fast and dependable. I would recommend them to everyone looking to refinance." - Greg

"1st Family Mortgage just helped us buy our new house. We thought we'd be renting for the rest of our lives. I called to ask a few questions...then a few more...and then some more. I was lost, but they are super friendly and patient. They worked with me and now I actually own a home! Thank you so much!" - Amanda and Keith