Working With Joe Armstrong...

With 18 years of direct involvement in the mortgage credit industry as an owner of a credit bureau and direct consultant to industry experts, I have acquired the necessary knowledge to effectively aid  my clients with even the most challenging credit issues.

The mortgage industry in itself is a complex and ever-changing environment. When you add to this environment yet another industry such as credit you can quickly go from simple addition to calculus in a matter of minutes- without the benefit of algebra II.

If applying for a mortgage looks like this,  3f " (x) + 5x f (x) = 11 just give me a call and let me simplify the process.


Through constant communications and my strong commitment to you, together we can achieve the goal of home ownership.

"We couldn't have been happier with his willingness to help and his constant availability to us.  We were nervous throughout the process due to past credit issues but Joe was right there along the way to help us deal with those and move forward." - Redden Family

You can count on me to:

  • Handle your mortgage loan professionally with a true sense of urgency.
  • Exude honesty, integrity and a sincere interest in your needs.
  • Respond promptly to your questions with answers.

Welcome to Service First. Lending that has you covered.

  • We set ourselves apart by being a good mix of all the things you need in a mortgage business. Some companies are too big and others are too small. Service First is small enough to make things happen and big enough that we have a lot of good products, options and technology.

    ~ Stephanie Johnston, Sr. Loan Officer