1st Choice Home Centers is a North Carolina mortgage broker. That means we are able to offer our clients a wide variety of financing options, including USDA, FHA, and VA loans, home only loans, and conventional mortgages. Do you have bad credit or no credit? Still recovering from bankruptcy? No problem! Some of our homes have owner financing available, and we have an excellent first-time home buyer program. No matter what your financial situation, we can help you get into a new home with little or no money down and as little stress as possible.