WELCOME TO THE SERVICE FIRST MORTGAGE AND COMPETITIVE EDGE PARTNER PAGE!

We are looking forward to being your Trusted Lending Partner. Our goal is to deliver you and our clients and world-class home buying experience.

Service First offers a variety of loan products to help you meet your needs.

Pete Montesino
Producing Branch Manager
pete@sfmc.com
p. 972-608-7501
NMLS #233775

About Pete

I started my journey in the mortgage business at a young age (21 to be exact). I began as a struggling Loan Officer in the mortgage business in Tampa, FL where I grew up, so I understand how hard it can be to thrive in a competitive market like DFW. I’ve now been in the Mortgage industry for over 24 years and throughout that time I’ve learned A LOT about the Real Estate and Mortgage industry which has taught me how to be a TRUE and VALUED PARTNER and RESOURCE to my Realtors Partners, Loan Officers on my TEAM and Clients.

Today I am proud to have gotten to the place where I’ve built a THRIVING TEAM with Service First Mortgage for the past 9 years. Over this time I’ve asked myself this question… What do Loan Officers and Our Referral Partner’s WANT? The best answer I’ve found is you want and need someone you can count on to get the job done CONSISTENTLY and has the tools and KNOWLEDGE TO HELP YOU GROW YOUR business – and that’s me!

Currently I am a Branch Manager and Sr. Loan Officer who devotes 100% of my time to my team, my clients and our Partnerships.

My TEAM calls me The Mortgage Doctor because your financial future is VERY important and when placed in the wrong hands could send you down the wrong financial path. I’m here to help PRESCRIBE you with the BEST plan to suit your long term finance goals and needs!

I believe it is important to know who you are working with, so I’d like to share my core beliefs:

  • I believe it is important to know who you are working with, so I’d like to share my core beliefs:
  • I believe in GOD and family is of fundamental importance
  • I believe that honesty is the best policy and that trust has to be earned
  • I believe in Integrity and doing what’s right even when no one is looking
  • I believe that we should always be learning, listening, and teaching
  • I believe days can be long, but life is short, so CHERISH every moment!

Charles Mentesana
Senior Loan Officer
charles@sfmc.com
p. 214-543-3997
NMLS #233676

About Charles

As a Dallas Native Charles has seen the change and growth in the DFW Area. After receiving his degree in Business and Economics from Centenary College of Louisiana, Charles went to work in Marketing and Advertising and after 10 years he entered the Mortgage Industry where he has been since 2005. Over this time he has become a successful and respected Mortgage Banker in the area.

As a Seasoned Mortgage Professional Charles believes in structuring a loan to fit his client’s needs. Customer Service is First on Charles’ mind when he begins the loan process with a client. Experience, knowledge and compassion is what helps him reach high customer service levels.

Have Questions?
Contact Us

pete and charles

CONVENTIONAL

Repair Plus
Allows up to $10,000 in repairs after closing.

HomeReady®/Home Possible®
Designed to serve today’s market of creditworthy, low-to moderate-income borrowers and communities.

Cash Out Refinance
Turn your home’s equity into cash to consolidate debt, make home repairs, pay for education, and much more.

BUILDER/RENOVATION

Extended Lock
Lock in today’s rate for up to 6 months.

2/1 Buydown
Buy today, with last year’s rates!
Great for builders or listings that need to attract interest.

Construction Loans
One Time Close loan allows borrowers to finance both a construction loan and a permanent loan in one closing. Fixed and adjustable rate options for loan amounts up to $3 million.

Pool Escrow
Allows borrowers to buy a new home and include the cost of a new pool.

Renovation Loans
Allows borrowers to purchase or refinance a home that needs repairs and includes the funds needed for
renovation in the loan balance.

INVESTOR/SELF-EMPLOYED

Bank Statement Loan
Great for self-employed borrowers to qualify on cash flow.

No P&L Bank Statement Loan
When a P&L for self-employed borrowers is an issue.

Asset Depletion
Qualify with assets instead of income.

Investor NIVA, No Doc
No income verification needed on this product, just assets.

GOVERNMENT

FHA
FHA loans typically provide lower interest rates and lower down payment requirements, making it an attractive first time home buyer program for buyers with credit scores above 580.

VA
Reserved for veteran and active duty buyers and do not require a down payment or monthly mortgage insurance.

USDA
Properties in eligible rural areas, do not require a down payment, have low monthly mortgage insurance, and may allow closing costs to be rolled into the loan.

NON-TRADITIONAL

Jumbo Loans
Designed for loans above $453,100 and up to $3 million. Interest-only ARMs are also available.

Doctor Loans
Lessens the effect of student loan debt for qualification and includes future earnings as income.

Bridge Loans
Helps buyers avoid the hassle of selling their current homes before the purchase of their new homes.
Eliminates contingencies and makes offers more attractive to sellers.

ITIN & DACA
Utilize a Tax ID Number instead of SSN.

500 FICO
Lower minimum FICO score required.

Non-Warrantable Condos
For condo projects with occupancy challenges or budgets that don’t meet guidelines.

Condo-Tels
For that hard to finance property type.

Second Chance Lending
When qualification becomes a challenge, let us great creative.

Inherited Property
Finance the family property without the hassle.

Manufactured Homes
Allow for manufactured homes that have been on site for at least 1 year, have a permanent foundation and meet minimum size requirements.

Bond/Grant
Helps underserved buyers purchase homes by utilizing one of several available State and local bond/grant
programs.

Land/Lot
Finance property to build a home.

Our Core Values

We understand great cultures don’t just happen, they’re cultivated. They take creativity, a willingness to be different. We actively recruit and hire energetic, positive and productive ‘we’ people to ensure we are prepared to understand our customers’ needs and provide a reliable, systematic experience.

  • Integrity Through Actions – Maintaining honesty in everything we do through transparency.
  • Innovation through Curiosity – Remaining insatiably curious toward new approaches to business and modes of thought.
  • Growth through Collaboration – Leveraging the collective genius and being open to opportunities and possibilities.
  • Accountability through Empowerment – Purposeful actions – not empty words.
  • Passion through Purpose – Loving what we do by finding our passion through a collective purpose.
  • Service through Reliability – Service is key to our survival as an organization embodied through our integrity, innovation, growth, accountability and passion to provide a well-rounded exceptional service experience.