First Lending Solutions is a Riverside-based mortgage broker and mortgage lender helping home buyers and homeowners in Murrieta and southwest Riverside County with purchase and refinance loans. The company was founded in 2005 by CEO Alan Vogan, a U.S. Marine Corps veteran who has worked in mortgage and real estate since 2001.
Murrieta is where the 15 and the 215 come together, and it has grown fast. Buyers here are often choosing between a brand-new home from a builder, a resale home in an established neighborhood, or more land on the city’s rural edges. Each of those comes with different loan questions, and we help you sort them out early.
Why Murrieta buyers work with First Lending Solutions
- A second look at builder financing. We can compare a builder’s preferred-lender offer with an outside loan so you see the full picture.
- Veteran-led, VA-focused. Alan Vogan is a Marine Corps veteran, and many Murrieta families have ties to Camp Pendleton and March Air Reserve Base.
- Broker and lender in one. More than one way to look for a loan that fits you, rather than a single set of products.
- Plain-language answers about Mello-Roos, HOA dues, solar agreements and rural property details.
- What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).
New construction in Murrieta and French Valley
New home communities are common in and around Murrieta, including Spencer’s Crossing and the French Valley area toward Winchester. Builders often offer incentives tied to their preferred lender. You’re free to compare, and we can help you line up a builder’s offer next to an outside loan, including closing costs and the monthly payment. Two things we always check on newer homes: Community Facilities District special taxes (Mello-Roos), which count toward the payment lenders review, and any rooftop solar. If the solar system is leased or financed rather than owned, the agreement can affect your loan and needs to be reviewed before closing.
VA loans for Camp Pendleton and March ARB families
Many service members and veterans choose Murrieta for its location between Camp Pendleton to the southwest and March Air Reserve Base to the north. If you’re active duty, Reserve, Guard or a veteran, VA eligibility depends on your service history and VA rules. We can help you request your Certificate of Eligibility (COE), explain the VA funding fee and VA property standards, and walk through what PCS timing means for your purchase. Learn more on our VA home loans page.
Murrieta neighborhoods we serve
- Historic Downtown Murrieta and Murrieta Hot Springs
- Alta Murrieta, Murrieta Oaks and Copper Canyon
- Greer Ranch and Bear Creek
- Los Alamos Hills and Murrieta Ranchos
- Spencer’s Crossing and French Valley
- La Cresta and Tenaja on the Santa Rosa Plateau
- Nearby Wildomar, Menifee and Temecula
Gated communities like Greer Ranch and Bear Creek can have more than one HOA, so we confirm the total dues for the specific home. Some homes with a Murrieta mailing address, such as in Spencer’s Crossing or La Cresta, are actually in unincorporated Riverside County, which can change the property tax bill and special districts. We look at the real numbers for the property, not the ZIP code.
Rural acreage near La Cresta and Los Alamos Hills
On Murrieta’s west and east edges you’ll find larger parcels, horse property and custom homes. These can need more homework: private wells and septic systems, shared or private road access, outbuildings and permitted improvements, and finding comparable sales for the appraisal. Some loan programs have limits on acreage or property use. We’ll go over these points before you write an offer so you know which loan options fit the property.
Home loan options in Murrieta
- New construction and resale purchase loans across Murrieta and French Valley.
- VA purchase and refinance loans for eligible veterans, service members and surviving spouses, made by private lenders and partially guaranteed by the VA.
- FHA loans with Federal Housing Administration insurance, a common choice for first homes. Eligibility and property requirements apply.
- Conventional loans for borrowers who meet conventional guidelines.
- Refinance loans for Murrieta homeowners who want a different loan type or term, or want to use some equity.
- Larger or rural properties? Ask us about jumbo options and what may fit a home on acreage.
What clients say on Google
“When a few issues came up mid-transaction with the VA loan, Tom didn’t just manage them, he solved them quickly and kept everyone calm and informed the entire time.”
— Sumer Dandan, Google review
“He helped us every step of the way, from getting approved to understanding what to expect throughout the entire process.”
— daisy perez, Google review
“What truly sets Pamela apart is her caring approach—she truly treats you like a person, not just another transaction.”
— Elizabeth Payne, Google review
Excerpts from public 5-star Google reviews, quoted word for word. Read all our Google reviews.
How it works
- Start online or call. California borrowers can apply online, or call our Riverside office at (951) 684-3307. Tell us what you’re looking for in Murrieta and whether you’re buying or refinancing.
- Review your options. We look at your income, credit, savings and goals, compare loan options with you, and give you a clear list of the documents we’ll need. If you’re buying new construction, send us the builder’s offer so we can compare.
- Move forward to closing. We coordinate the appraisal, underwriting and closing with you, your real estate agent and escrow, and keep everyone updated along the way.
Murrieta mortgage FAQs
Should I use the builder’s lender for a new home in Murrieta?
You’re free to choose your own lender. Builder incentives can be worth a lot, so it’s smart to compare. We can put the builder’s offer side by side with an outside loan, including closing costs, rate terms and the monthly payment, so you can decide with the full picture.
Does leased solar on a Murrieta home affect my mortgage?
It can. If the solar system is leased or financed rather than owned, the agreement and any related filings need to be reviewed, and a monthly payment may count in your loan review. Tell us early if the home has solar so we can request the paperwork before closing.
I’m stationed at Camp Pendleton. Can I use a VA loan to buy in Murrieta?
Yes, if you’re eligible. VA eligibility depends on your service history and VA rules, and the home generally needs to be your primary residence. We can help you request your Certificate of Eligibility and plan around your timeline. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran.
Can you finance a home on acreage with a well and septic in La Cresta?
We can review it with you. Lenders look at well and septic systems, road access, lot size, outbuildings and comparable sales, and some loan programs have limits on acreage or property use. Call us before you write an offer so we can talk through the specific property.
How do Mello-Roos and HOA dues work for Murrieta homes?
Many newer Murrieta-area homes have Community Facilities District special taxes (Mello-Roos), and many have one or more HOAs. Both are part of your monthly housing cost and count toward the payment lenders review. We confirm the actual amounts for the home you’re considering.
More questions? See our full mortgage FAQ.
Also looking in nearby cities? See our Temecula, Inland Empire and San Diego County pages.
Ready to talk about a home loan in Murrieta?
Apply online in a few minutes, or call us to talk through new construction, VA eligibility or a rural property.
Office hours: Monday–Friday, 8:30 a.m.–5:00 p.m. PT · 3610 Central Ave Suite 400, Riverside, CA 92506
Disclosures
1st Lending Solutions, Inc. DBA First Lending Solutions, 3610 Central Ave Suite 400, Riverside, CA 92506. (951) 684-3307. Company NMLS #135932 (NMLS Consumer Access). Alan Vogan, NMLS #236124. CA DRE Corporation License #01482431. CA DRE Broker License #01373250. CA DFPI California Financing Law License #60DBO96452. AL Consumer Credit License #23244. AL Mortgage Brokers License #23245. FL Mortgage Broker Business License #MBR7449. KY Mortgage Company License #MC796021. TN Mortgage Lender License #174096. TX SML Mortgage Company License (NMLS #135932). Equal Housing Opportunity. This is not a commitment to lend or extend credit. All loans are subject to credit approval, underwriting, program guidelines and property eligibility. Programs and terms are subject to change without notice and may not be available in all areas. VA loans require eligibility. First Lending Solutions is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, FHA/HUD or any government agency.