Have questions about getting a home loan in Riverside or the Inland Empire? Here are straight answers about who we are, where we lend, and how we can help.
Is First Lending Solutions a mortgage broker or a mortgage lender?
First Lending Solutions is both a mortgage broker and a mortgage lender, based in Riverside, California.
Our legal name is 1st Lending Solutions, Inc., and we do business as First Lending Solutions. Because we can work as a broker and as a lender, we have more than one way to look for a home loan that fits your goals, instead of being limited to a single set of loan products.
Where is First Lending Solutions located?
First Lending Solutions is located at 3610 Central Ave, Suite 400, Riverside, CA 92506.
We have been based in Riverside since the company was founded in 2005. You can reach our office at (951) 684-3307, Monday through Friday, 8:30 AM to 5:00 PM Pacific Time.
What areas does First Lending Solutions serve?
First Lending Solutions serves home buyers and homeowners in Riverside, the Inland Empire, Orange County, San Diego County, and throughout California, as well as in Tennessee, Kentucky, Alabama, Florida, and Texas.
If you are searching for a mortgage broker in Riverside or a mortgage lender in the Inland Empire, our local office is close by. If you live elsewhere in California or in one of the other states where we are licensed, we can still help you with your home loan.
Does First Lending Solutions serve Orange County and San Diego County?
Yes, First Lending Solutions helps borrowers in Orange County and San Diego County, along with the rest of California.
Our office is in Riverside, and we work with clients across Southern California and the entire state, whether you are buying a home or refinancing one you already own.
What types of home loans does First Lending Solutions offer?
First Lending Solutions offers home purchase loans and refinance loans, including conventional, FHA, VA, USDA, jumbo, and investment property loans.
Which loan is the right fit depends on your situation, such as your credit, income, down payment, the property, and your long-term plans. We will walk you through the options you may qualify for and explain how they compare. Loan availability, terms, and eligibility vary and are subject to approval.
What is the difference between a mortgage broker and a bank?
A bank usually offers only its own loan products, while a mortgage broker can compare loan options from multiple lenders; First Lending Solutions is both a broker and a lender, so we can do either.
Working with a broker can give you more choices to compare. Working with a direct lender means the lender handles the loan itself. As both, First Lending Solutions can help you look at different paths and choose the one that makes the most sense for you.
Does First Lending Solutions help veterans with VA loans?
Yes, First Lending Solutions helps veterans, active-duty service members, and eligible surviving spouses with VA home loans.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and are available to borrowers who meet the VA's eligibility requirements. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran, and our team is glad to help fellow veterans and military families understand their VA loan options for buying or refinancing a home.
Can First Lending Solutions help first-time home buyers?
Yes, First Lending Solutions works with first-time home buyers and will explain each step of the mortgage process in plain language.
We can review loan options that first-time buyers often consider, such as FHA and conventional loans, and VA or USDA loans for those who are eligible. We will help you understand what documents you need, what to expect, and what questions to ask before you make an offer.
Does First Lending Solutions offer refinancing?
Yes, First Lending Solutions offers refinance loans for homeowners in California and the other states where we are licensed.
People refinance for different reasons, such as changing their loan term, changing their loan type, or using the equity in their home. We can review your current loan and goals and explain whether refinancing may make sense for you. All loans are subject to approval.
How do I get started with First Lending Solutions?
The easiest way to get started with First Lending Solutions is to call our Riverside office at (951) 684-3307, Monday through Friday, 8:30 AM to 5:00 PM Pacific Time.
We will ask about your goals, whether you are buying or refinancing, and your general financial picture. From there, we will explain your loan options and the information and documents needed to move forward. You can also visit us at 3610 Central Ave, Suite 400, Riverside, CA 92506.
How long does it take to get a mortgage?
How long a mortgage takes with First Lending Solutions depends on the loan type, the property, and how quickly documents, the appraisal, and other steps are completed.
Every loan is different, so we do not promise a set timeline. When you talk with us, we will give you an idea of what to expect for your specific loan and keep you updated along the way. Having your documents ready can help keep things moving.
Is First Lending Solutions licensed?
Yes, First Lending Solutions (1st Lending Solutions, Inc.) is licensed under NMLS I.D. 135932.
Our licenses include: California DRE Corporation License #01482431; California DRE Broker License #01373250; California DFPI Financing Law License 60DBO96452; Alabama Consumer Credit License 23244; Alabama Mortgage Brokers License 23245; Florida Mortgage Broker Business License MBR7449; Kentucky Mortgage Company License MC796021; Tennessee Mortgage Lender License 174096; and Texas SML Mortgage Company License NMLS 135932. CEO Alan Vogan's individual NMLS number is #236124. You can look up our licensing on the NMLS Consumer Access website (nmlsconsumeraccess.org).
What do customers say about First Lending Solutions?
As of October 2026, First Lending Solutions is rated 5.0 stars on Google from more than 300 reviews.
We are proud of the feedback our clients have shared, and we encourage you to read our Google reviews to hear about their experiences in their own words.
Who runs First Lending Solutions, and how long have you been in business?
First Lending Solutions was founded in 2005 in Riverside, California, and is led by CEO Alan Vogan (NMLS #236124).
Alan is a U.S. Marine Corps veteran who has worked in mortgage and real estate since 2001 and has held a California real estate license since 2003.
What are First Lending Solutions' hours, and how can I contact you?
First Lending Solutions is open Monday through Friday, 8:30 AM to 5:00 PM Pacific Time, and you can call us at (951) 684-3307.
Our office is at 3610 Central Ave, Suite 400, Riverside, CA 92506. You can also learn more at firstlendingonline.com.
Disclosures
1st Lending Solutions, Inc. DBA First Lending Solutions. NMLS I.D. 135932 (nmlsconsumeraccess.org). CA DRE Corporation License #01482431. CA DRE Broker License #01373250. CA DFPI 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. Alan Vogan, NMLS #236124. Equal Housing Opportunity. This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval. Restrictions and conditions may apply. Terms, rates, programs, and features are subject to change without notice and not available in all areas.