https://www.firstteamlending.com/blog daily 0.75 2026-02-09 https://www.firstteamlending.com/blog/how-changing-your-morning-routine-will-improve-your-mood-cpesx monthly 0.5 2020-09-16 https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1596491503706-S5WMS70RXD5EIS8L3ZAJ/Bright+natural+dining+room+nook+with+vases+plates+and+fruits+on+the+table. Blog - This Morning Routine Will Improve Your Mood Bright natural dining room nook with vases plates and fruits on the table. https://www.firstteamlending.com/blog/how-to-take-an-effective-mental-health-day-c4zjz monthly 0.5 2020-08-13 https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1596490320217-S3UO1YZ3RDYK18J9QBLZ/Pretty+Caucasian+woman+at+the+beach+smiling+at+camera. 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Wholesale Mortgage with blue 'UWM' initials and green 'United Wholesale Mortgage' text below. https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611803996568-N5617Z0YOA8IX0GQQR1I/rocket_mortgage_quicken_logo_before_after.png Home Quick Loans logo with red text on a black background. https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611804706624-FT9PPG2KZVWZWF35T2LA/aim.jpg Home Logo of AIME, the Association of Independent Mortgage Experts, with the acronym in large blue letters and a stylized 'A' resembling a mountain or arrow. https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611868556910-RASEAE6JADZV83VOZA0R/caliberLogo.jpg Home Logo of Caliber Home Loans with a stylized emblem in a blue square and the company name in blue and gray text https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611868557027-7EEJWK59O1GQLYYGOSVB/home.jpg Home Logo for Home Point Financial featuring a stylized star with green, blue, and black segments and the company name in navy blue text. https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611808509235-KMMGXKI76BWOLGR9BHAN/apply.jpg Home https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611802232557-OY5QMNMH1JMG7PZYJARE/Screen+Shot+2021-01-27+at+9.50.22+PM.png Home https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611802623601-CFIEUG74QQE44WIHQS4G/51173981_xl.jpg Home Providing you with the best option for your mortgage or refinancing needs https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611806515546-VL0PPHA0WQT07W9EWTX1/sold.png Home https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611806537692-066TUG820Z3OGD93ATNR/refi.png Home https://www.firstteamlending.com/aboutus daily 0.75 2026-02-09 https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611684763150-JJ4BPYULVQUT66BMC12C/First-Team-Lending.png About Us https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1973183a-b25f-4f43-9b79-16870588b7e1/headshot3.png About Us - Mortgage Broker/Owner Nico Gianakopoulos Nico has extensive knowledge and has been a top producing Mortgage Loan Originator throughout his career, closing over 50 million dollars in volume while earning over 50 five star client reviews. He thrives on finding the most financially beneficial programs for his clients. His attention to detail and focus on making the process easy and efficient is why his clients are always satisfied! (586)292-8397 Nicog@firstteamlending.com Fax: (586)600-5055 NMLS 1409382 https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/9e8a195d-620b-4eff-85a4-eb1dfb4eddb3/Vhs.PNG About Us - Mortgage Broker/Owner Vittorio Sbrocca Vittorio is extremely knowledgeable when it comes to all aspects of mortgage lending. While working for the #1 wholesale lender in the country Vittorio assisted in closing over 750 mortgages in just 3 short years. After coaching brokers for several years Vittorio quickly became a top producing LO in the state of MI. Vittorio prides himself on making his business relationship driven rather than transactional. Vittorio is a mortgage Broker by day & experienced youth soccer coach by night. (586)322-1070 Vsbrocca@firstteamlending.com Fax: (586)600-5055 NMLS 2042786 https://www.firstteamlending.com/about daily 0.75 2026-02-09 https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1591809300101-EYDRWIYMF88LH58RQ8TW/image-asset.jpeg About - Transforming mental healthcare We are a group of doctoral-level psychologists and psychiatrists who provide quality mental health care. As a mental health collective, we assist members by providing therapy, medication management, coaching, and more. We help our clients connect with one of our doctors who can meet their needs and is available online or in-person. https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1592261960811-ET6PMZTKVVGY64W0OJZA/image-asset.jpeg About - A modern approach It’s essential for us that our clients get personalized suggestions on who from our team is the best match. Rather than do things the typical way, we’ve created a system designed around our patients’ needs. https://www.firstteamlending.com/our-approach daily 0.75 2026-02-09 https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1592257949474-24WVPWDYQ2XUALLQ3P2D/image-asset.png Our Approach https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1592257949474-24WVPWDYQ2XUALLQ3P2D/image-asset.png Our Approach https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1592257949474-24WVPWDYQ2XUALLQ3P2D/image-asset.png Our Approach https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611776099041-87UO7C26WDW24MJPIYL0/image-asset.jpeg Our Approach - “Amazing! Being a first-time home buyer I was super nervous about the whole process. Nico informed me on everything I needed to know from total at closing to how to manage my mortgage after closing. He made me feel comfortable along the way. I am glad I was able to have him as my mortgage lender. “ — Jake B https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611776572893-EZI054KI91S6RY0HP831/image-asset.jpeg Our Approach - “Nico and Vittorio were great from start to finish. Answered all of our questions and made sure we were at ease with the process.” -Katie T. https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611684763150-JJ4BPYULVQUT66BMC12C/First-Team-Lending.png Our Approach https://www.firstteamlending.com/get-started daily 0.75 2021-01-25 https://www.firstteamlending.com/contact daily 0.75 2026-02-09 https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611611797487-43DNC6YIAK940TZCJBQG/FTL_color_w-tagline.png Contact https://www.firstteamlending.com/services daily 0.75 2026-02-09 https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611785443190-3YWK9PX34P6XVKU130OD/image-asset.jpeg Services - Conventional Excellent pricing, low down payment options and average closing is under 15 days! For purchases this program gives you strong negotiating power and helps get your offer accepted! First time home-buyer options. Reach out to see if you qualify for the below incentives: -2% Grant -1% down -Lender paid 2% rate buydown Ready to apply? → https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611785747131-7VIXHI1KRKFYXXDZDWD5/147529242_xl.jpg Services - FHA Low down payment options and no pricing adjustments no matter what your credit score is! First time home-buyer options. Ready to apply? → https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611785943836-GQHTO2GVU56DJGJ6OR3B/36405597_xl.jpg Services - VA Best for Veterans! At First Team Lending, words can not describe the gratitude we have for all the men and women who serve and have served in the U.S. Military. To show thanks, we offer some of the lowest rates on the market while not requiring mortgage insurance or a down payment and still having little to no fees! First time home-buyer options. Ready to apply? → https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611786131949-WPM7U17EI4Q4ZOLTXCNQ/image-asset.jpeg Services - Bank Statement Loans Best for: Self employed clients - no tax returns required! Ready to apply? → https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611786244079-BLJQO4YMAM42IU6G70J0/image-asset.jpeg Services - Non-Warrantable Condo Loan Benefits: When a condo is labeled as non-warrantable, it means that it does not meet Conventional/FHA guidelines and most lenders do not offer financing. We do! Contact us to find out if the condo you own or are interested in, is considered non-warrantable. Ready to apply? → https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611801676024-DJ19MDQPTABWKJCMI9XW/99750672_xl.jpg Services - No Down Payment Loans Benefits: This loan speaks for itself! Contact us to learn more about our multiple no down payment options! Ready to apply? → https://images.squarespace-cdn.com/content/v1/600f3cbb9b492037679bfe38/1611786379425-04QNGNN57372MGCFDMWY/image-asset.jpeg Services - Asset Utilization Loan Best for: Clients who have little to no income! We can qualify you based off your assets! Ready to apply? → https://images.squarespace-cdn.com/content/v1/5ede5d5c4e1eb54d74680dd4/1591890351443-9BFPVD8JAZDMEYXJNIIQ/image-asset.jpeg Services - “The smoothest transaction ever and I've closed on many homes in the past, 5 days start to finish done” — Shawn A. https://www.firstteamlending.com/inquire-now daily 0.75 2021-01-30 https://www.firstteamlending.com/states daily 0.75 2026-03-30 https://www.firstteamlending.com/mortgage-calculator daily 0.75 2026-02-09