Mortgage 1 Fenton

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Mortgage Advisor

Jim Papatheodore

Mortgage Loan Consultant

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Jim Papatheodore


Jim Papatheodore

I am a long-time resident of Fenton and have been a mortgage loan officer in the area for over 20 years.  My team and I have extensive knowledge of conventional, FHA, Rural Development and VA mortgage loans.

I will walk you through each step from getting pre-approved, shopping for homes, and making an offer.  I believe in treating every client and business partner with the care, service, and respect that I would expect someone to show me.  With this principle in mind, it ensures satisfied clients and business partners which result in referrals into the future.

Whether you are purchasing your first home, buying a second home, or refinancing your current mortgage, I work hard to help each, and every client have a positive experience.

Commitment to excellence is our guiding principle and customer satisfaction is our guarantee.  Borrowers are the foundation of Mortgage 1 and by providing exceptional service, we create customers for life.

Loan Options

Ready to set out on the journey of buying or refinancing a Michigan home? You can count on us to locate the Michigan mortgage loan program that’s perfect for you.

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The huge number of refinance options available to borrowers is truly breathtaking. Let us help you qualify for the right loan program to fit your situation.

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Get matched up to loan programs that meet your financial needs. We will let you know the amount you qualify for and provide you with a sample closing cost and payment worksheet.

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Loan Options

One size doesn’t fit all. We are confident that one of our loan options will be perfect for you.

Conventional Loan

Conventional loans have a minimum down payment of 3% if you are a first-time home buyer (not owned within the past 3 years) or 5% if you are not a first-time home buyer.  You can avoid PMI with down payments of 20% or greater.


Offers down payment assistance that can be used towards closing costs, and the down payment itself. The down payment assistance is repaid when the home is sold, the mortgage is refinanced, or the home loan is paid off.

FHA Loan

An FHA loan allows borrowers to finance homes with down payments as low as 3.5% and is insured through the U.S. Department of Housing and Urban Development (HUD).

Veteran Loans

The VA loan is a mortgage option available to Veterans, Service Members and select military spouses with down payments as little as zero.

Rural Development Loan

USDA loans are zero-down-payment mortgages for rural and suburban home buyers.

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Jim Papatheodore

We’ve had the opportunity to help hundreds of families in Michigan reach their dream of home ownership. Our drive and passion each day comes from seeing the joy on our clients faces.

Candyce Keener

Jim and his team were absolutely amazing to work with. The process was smooth and they kept us up to date with each step. Highly recommend him and his team.

Candyce Keener

Sarah Lawrence

Buying your first home is SO intimidating. There are so many terms and numbers to figure out, but Jim and his team made it such a clear-cut, easy to follow process! I would absolutely send my friends his way.

Sarah Lawrence

Ross Person

Great to work with, very helpful with the process of purchasing my first home. Would highly recommend working with him, and will work with him again in the future.

Ross Person


Mortgage 1 Pro Snap makes it easy to get a hassle-free mortgage from one of Michigan’s leading lenders. We have helped more than 102,000 families secure more than $14 billion in loans. Let us help you. Get started below. While you are at it, ask about Fast Pass, which lets you close your loan in minutes rather than hours. It’s fast, safe and hassle-free.

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Why You Should Choose

Mortgage 1

While we specialize in helping first-time buyers find their dream home, we also help home buyers of all types, no matter whether you are refinancing, downsizing, or buying a second home. We have helped more than 87,000 home buyers realize their dreams of home ownership. We can do the same for you. Our first-class service and attention to detail make us Michigan’s preferred lender. Let us help you!

Contact Jim Papatheodore

Office Phone: (810) 373-2150
Cell Phone: (810) 444-0024
Address: 100 S Adelaide St, Fenton, MI 48430
NMLS ID 131478
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© , Mortgage 1. For complete licensing information, Please go to | Company NMLS #129386. Mortgage 1 ("the Company") maintains policies and procedures designed to protect the integrity and security of consumer and customer information. Mortgage 1 a national mortgage servicer and accepts payments from consumers. We are required to be licensed as a debt collection company. NMLS #129386. Thank you for considering Mortgage 1 for your mortgage financing needs. The Mortgage 1 Inc. website uses cookies, tracking pixels and related technologies that collects personal information. Cookies are small data files that are served by our platform and stored on your device. Our site uses cookies dropped by us for a variety of purposes including to operate and personalize the website. Also, cookies may also be used to track how you use the site to target ads to you on other websites.

All borrowers are subject to qualification, underwriting approval, lender terms and conditions. This is not a commitment to lend.  Restrictions apply.  Mortgage 1 Inc. is not acting on behalf of or at the direction of MSHDA or the federal government. Mortgage 1 Inc. is not affiliated with your current lender.  An LTV ratio above 80% may result in a need for mortgage insurance. Online homeownership education may be required. Intended for the State of Michigan.  All Rights Reserved.