Brand Certified
First Class Mortgage
4.8(134 reviews)
Certified by First Class Mortgage • Apr 05, 2026
Business Details
2300 13th Ave S, Fargo, ND
58103, United States
Certified by First Class Mortgage • Apr 05, 2026
(701) 356-9898
Certified by First Class Mortgage • Apr 05, 2026
https://www.firstclasscorp.com/
Certified by First Class Mortgage • Apr 05, 2026
About
Certified by First Class Mortgage • Apr 05, 2026
Mortgage LenderMortgage BrokerEquity Loans
When flying first class, you expect a more comfortable and convenient experience. Why can’t you have that same feeling with your mortgage process? From first contact to closing, everything we do is First Class. Locally-owned and operated out of the Midwest, you will receive the highest level of customer service and industry experience. We encourage questions. We listen. We act. We’re your trusted advisor. As your mortgage consultants, we’re dedicated to providing our clients with exceptional service and a First Class home loan experience. We have over 100+ years of experience working in the mortgage industry which allows us to help you find the right product at the lowest rates and closing. Call us to learn more!
Details
- Wheelchair accessible entranceAvailable
- Wheelchair accessible restroomAvailable
- Wheelchair accessible seatingAvailable
Location
Certified by First Class Mortgage • Apr 05, 2026
Hours
Certified by First Class Mortgage • Apr 05, 2026
Monday8:00 AM - 5:00 PM
Tuesday8:00 AM - 5:00 PM
Wednesday8:00 AM - 5:00 PM
Thursday8:00 AM - 5:00 PM
Friday8:00 AM - 5:00 PM
SaturdayClosed
SundayClosed
Reviews
4.8
134 reviews
5 stars
128
4 stars1
3 stars0
2 stars0
1 star
5
- LTLincoln Turman1 day ago5.0Dan V. made the experience of buying a house for the first easy for me and walked me through all the steps that I didn’t understand. After moving in to my place I received a personalized cutting board from First Class Mortgage. Couldn’t recommend them more
- JDJeff Doyle2 days ago5.0Thank you to Dan and everyone at First Class Mortgage for assisting in securing our mortgage. He and his staff responded quickly and got us thru the underwriting process with great skill. Signing electronically was smooth as can be. Highly recommend their services.
- JBJacoby Blasczyk3 days ago5.0As a first time homebuyer I had the pleasure to work with Dan Van Winkle at First Class Mortgage and overall had an amazing experience. The process can feel overwhelming, but Dan and his team made the experience smooth and reassuring and were always there to answer any questions I had. Dan is extremely knowledgeable, consistently responsive, and proactive in providing any updates throughout the loan process. I never felt left in the dark and I’d happily and confidently recommend Dan to any of my friends or family for their mortgage needs.
- TRTeri ReardonMar 31, 20265.0From start to finish, my experience with Dan and First Class Mortgage was outstanding. The team was incredibly knowledgeable, patient, and transparent throughout the entire mortgage process. They took the time to explain every detail, answered all my questions promptly, and made what could have been a stressful process feel smooth and manageable. I truly appreciate their professionalism and friendly approach. I would highly recommend Dan and his team at First Class Mortgage to anyone looking for a trustworthy and efficient mortgage lending partner.
- JMjake MaloneMar 30, 20265.0Dan and his team at First Class Mortgage were amazing to work with! This is the second home I've bought using First Class Mortgage and I wouldn't use anyone else. No matter what I needed or question I had they were there to help through the entire home buying process. I would highly recommend them!
Frequently Asked Questions About First Class Mortgage
What documentation do I need to provide?
The documentation required for each loan differs depending on the loan program. While some programs require income, employment, and asset verification, others require no documentation at all. Your mortgage consultant will provide you with a list of items needed.
Q: Are there any loan programs that don’t require a down-payment?
Yes, there are loan programs that do not require a down payment. If you and/or the property you are purchasing meet certain credit, employment history, location and other determining factors, a zero-downpayment loan may be an option for you. Contact one of our mortgage consultants to see if this is an option for you.
What is mortgage insurance and why is it required? Is there any way around mortgage insurance?
Mortgage insurance protects the lender against taking a financial loss in the event the mortgagor stops making payments. It is required on mortgage programs that require little or no down payment and the lenders exposure is greater than 80% of the purchase price or appraised value, whichever is less.
Mortgage insurance can be avoided by utilizing loan programs such as an 80/20, in which a 1st mortgage (80% LTV) and 2nd mortgage (20% LTV) are taken on the property. No down payment is required. Or, there is Lender Paid Mortgage Insurance (LPMI). With this option, the lender pays the mortgage insurance, which is offset by a higher interest rate charged to the borrower.
If I’ve filed bankruptcy in the past few years, will I still qualify for a mortgage loan?
Yes, it's possible to get approved for a mortgage loan after a bankruptcy filing.Depending on the type of filing — Chapter 7 vs. Chapter 13 — and other factors, you may have to wait anywhere from two to four years before you can get another mortgage loan. Short sales and foreclosures are different. Give us a call to discuss your options.
What are some of the benefits of Government loans (FHA, VA, USDA Rural Housing)?
Government backed loans have become an increasingly attractive option for borrowers. With the ease of qualification and enticing low interest rates, these loans provide many borrowers with access to affordable mortgages. There are FHA, VA, USDA Rural Housing programs that require little or no down payments, no pre-payment penalties, and limited amounts of certain fees and charges the borrower must pay to establish the loan. These programs also have rates that are comparable to conventional loans.
How is my ARM rate determined?
Adjusted Rate Mortgages have variable interest rates - interest rates that change on monthly basis depending on market conditions. Rates are determined by adding a margin to an index on a specific date.
What is a balloon loan?
A balloon loan is a short term loan with payments amortized over a longer period of time. These payments are not sufficient to pay off the loan in full within the term of the loan. The remaining balance, known as the balloon payment, is due in full at maturity of the note.
How is my monthly mortgage payment applied to my mortgage loan?
Your monthly mortgage payment includes a payment to the principal balance, interest, and escrow, otherwise known as P.I.T.I. (principal, interest, taxes and insurance).
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a lender's judgment of your ability to make payments on your mortgage, based on your verbal statement of income, assets, and employment history. Pre-approval is the underwriting decision that you are conditionally qualified and is subject to the lender's review of your completed application, verification of your income, assets, employment history, credit check, appraisal and other determining factors.
Is there a fee to submit my application online?
No, applying online is free.
Once I’ve submitted my application online, how long will it take before I know if I’ve been pre-qualified?
You will receive a phone call from one of our mortgage consultants within 24 hours (during standard business days) of submitting your application. Depending on the complexity of your loan scenario, the pre-qualification process is fairly quick. A "pre qual" is a guide as you go through the home buying process. It does not guarantee you will be approved for the mortgage.
What is the difference between the interest rate and the annual percentage rate (APR)?
The interest rate is the rate you agree to pay for your mortgage loan. It is used to determine the interest portion of your monthly payment. The annual percentage rate (APR) includes your interest rate and prepaid finance charges to give you an average yearly rate.
What is a discount point?
A discount point is generally a percentage of the loan amount and is paid to the lender to buy down or lower an interest rate.
What is an escrow account?
An escrow account is set up to collect your payments for property taxes, homeowners insurance and possibly other items, in equal amounts over a 12-month period, to be paid on your behalf when those bills come due.
What is a rate lock?
A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.
What are points?
It is an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan; e.g. '2 points’ means a charge equal to 2% of the loan balance.
What are special assessments?
Special assessments are different than property taxes. They are the method the city uses to pay for infrastructure improvements that benefit properties, such as water main replacement and flood protection projects. The cost of these projects is divided among properties that benefit from them.
Brand Certified Facts from First Class Mortgage
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