First Lending Solutions is a Riverside-based mortgage broker and mortgage lender helping Temecula home buyers and homeowners 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.
Temecula draws a wide mix of buyers: families moving up to a bigger home in south Temecula, first-time buyers looking at condos and townhomes near the Promenade and Old Town, San Diego commuters on the 15, Camp Pendleton families, and people dreaming of a home among the vineyards. The right loan looks different for each of them.
Why Temecula buyers work with First Lending Solutions
- Broker and lender in one. More than one way to look for a loan, from a first condo to a larger Wine Country property.
- Veteran-led. Alan Vogan is a Marine Corps veteran, and helping Camp Pendleton and veteran families is personal for us.
- Realtor coordination. We keep you, your agent and escrow on the same page from offer to closing.
- Clear numbers. We go over property taxes, HOA dues and special taxes before you write an offer.
- What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).
Temecula neighborhoods we serve
- Old Town Temecula and the Front Street area
- Harveston and the Winchester Road corridor
- Paloma del Sol and Paseo del Sol
- Redhawk, Vail Ranch and Wolf Creek in south Temecula
- Morgan Hill, Crowne Hill and Temeku Hills
- Los Ranchitos and Meadowview, with larger lots
- Temecula Valley Wine Country along Rancho California and De Portola roads
- Nearby Murrieta, and Fallbrook across the San Diego County line
Many south Temecula communities, like Redhawk, Vail Ranch and Wolf Creek, are planned neighborhoods with HOA dues, and some newer areas carry Community Facilities District special taxes (Mello-Roos). Both count toward the monthly payment lenders review, so we confirm the actual amounts for the home you’re considering.
Condos and townhomes: check the project, not just the unit
Attached homes near Harveston, the Promenade and Old Town can be a good way into the Temecula market. If you’re using an FHA or VA loan for a condo, the condominium project itself generally needs to meet FHA or VA approval requirements, and lenders also review the HOA’s budget, insurance and reserves. We check that early, so you don’t fall in love with a unit that doesn’t fit your loan.
Wine Country and larger properties
Homes in Temecula Valley Wine Country and on larger lots in Los Ranchitos or Meadowview are a different kind of purchase. Higher prices can mean a jumbo loan, and acreage, vineyards, outbuildings, guest houses or any agricultural or business use can affect which loan programs fit. A residential mortgage is meant for the home, not a commercial vineyard operation. We’ll talk through the property with you before you write an offer so the financing matches what you’re buying.
VA loans for Camp Pendleton families
Temecula is a popular home base for Marines, sailors and their families stationed at Camp Pendleton, and for veterans across the region. VA eligibility depends on your service history and VA rules. We can help you request your Certificate of Eligibility, explain the VA funding fee and VA appraisal requirements, and plan around PCS orders. See our VA home loans page for more.
After you buy: the supplemental tax bill
In California, buying a home usually triggers a reassessment, and the county may send a supplemental property tax bill after closing. It often arrives separately from your regular tax bill and may not be paid from your escrow account. We’ll explain this before closing so it doesn’t come as a surprise in your first year in Temecula.
Home loan options in Temecula
- Purchase loans for Temecula condos, townhomes, family homes and larger properties.
- VA loans for eligible Camp Pendleton families, veterans and surviving spouses, partially guaranteed by the U.S. Department of Veterans Affairs.
- FHA loans, insured by the Federal Housing Administration. FHA eligibility and property requirements apply, including condo project approval.
- Conventional loans for buyers who meet conventional guidelines.
- Jumbo loans for higher-priced homes, including some Wine Country and Morgan Hill properties. Ask us what may be available.
- Refinance loans or a HELOC for Temecula homeowners who want to change their loan or use some equity.
What clients say on Google
“As a veteran himself, Tom truly understands VA loans inside and out, and it shows in how he works with military clients. … My client, an active-duty servicemember, felt completely taken care of throughout the process.”
— Sumer Dandan, Google review
“Pam was an absolute Rockstar, she diligently worked through our unique situation to get the loan secured while having to deal several last minute challenges.”
— Joseph Freiburger, Google review
“My fiancé and I found our dream house and in this economy it was hard to find a mortgage that would fit our needs. Pamela Witt was amazing!”
— Brandee Chesnutt, 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 Temecula 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. For a condo, send us the project name early so we can check FHA or VA approval.
- 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.
Temecula mortgage FAQs
Can I use an FHA or VA loan to buy a condo in Temecula?
Often, yes, but the condominium project generally needs to meet FHA or VA approval requirements, not just the unit. Lenders also review the HOA’s budget, insurance and reserves. Send us the address early and we’ll check before you write an offer.
Can you finance a home in Temecula Wine Country?
We can review it with you. Price, acreage, vineyards, outbuildings, guest houses and any agricultural or business use all affect which loan programs fit, and some properties may need a jumbo loan. Call us early in your search so we can talk through the specific property.
I’m a Marine at Camp Pendleton. Can I buy in Temecula with a VA loan?
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. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran, and we can help you request your Certificate of Eligibility and plan around your orders.
What is the supplemental property tax bill after I buy in Temecula?
When you buy a home in California, the county usually reassesses it, and you may receive a supplemental property tax bill for the difference. It often comes separately and may not be paid through your escrow account, so it’s smart to plan for it. We’ll explain how it works before closing.
Do you work with Temecula buyers if your office is in Riverside?
Yes. Most of the process can be handled by phone, email and our secure online application, and we coordinate with your real estate agent and escrow throughout. You’re also welcome to visit our office at 3610 Central Ave, Suite 400, Riverside, CA 92506, Monday through Friday, 8:30 a.m. to 5:00 p.m. PT.
More questions? See our full mortgage FAQ.
Also looking nearby? See our Murrieta, Inland Empire and San Diego County pages.
Ready to talk about a home loan in Temecula?
Apply online in a few minutes, or call us to talk through your options for a condo, a family home or a Wine Country 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.