About Us
Your local Chester County, Pennsylvania mortgage brokerage — putting customers first since 2007.
Our Story
1st Trust Financial, LLC was founded in 2007 with one simple mission: to give every customer the mortgage experience they truly deserve. We opened our doors during what most people remember as the “Financial Crisis” — a time when banks and lenders were pulling back, making it incredibly difficult for homebuyers and homeowners to secure financing. We started 1st Trust Financial specifically to fill that gap and help people navigate one of the most challenging lending environments in modern history.
As a mortgage BROKERAGE — not a bank — we work exclusively with the highest-quality wholesale lenders, which means we can shop your loan across multiple lenders on your behalf. The result: lower rates, lower fees, and a solution tailored to your specific financial situation. That’s something a traditional bank simply cannot offer.
Today, we are proud to serve homebuyers and homeowners throughout Chester County, Pennsylvania and all of Pennsylvania. Whether you’re purchasing your first home, moving up, or looking to refinance, our goal remains the same — to make the mortgage process as easy and transparent as possible, and to get you the best deal available.
Why Choose 1st Trust Financial?
Local Expertise
Based right here in Chester Springs, PA, we know Chester County and the surrounding Pennsylvania market inside and out. Our deep local roots help us guide you through every step of the process.
Broker Advantage
As a brokerage — not a bank — we shop multiple wholesale lenders to find the best rates and terms specifically for your financial situation.
Fast & Easy Process
Our experience, technology, and constant education allow us to deliver the smoothest, quickest financing experience possible. We take the complications out of the process.
Loan Products We Offer
We offer a wide variety of loan programs to fit your unique needs:
- Conventional Loans
- No Closing Cost Loans
- FHA Loans
- Jumbo Loans
- USDA Loans
- Refinance Programs
- Home Equity Loans
Meet Andrew Wulk
Andrew Wulk is the founder and principal mortgage broker of 1st Trust Financial, LLC. A proud Penn State alumnus, Andrew brings decades of mortgage industry experience along with deep roots in the Chester County community. His commitment to education, transparency, and genuine customer care sets every transaction apart.
Based in Chester Springs, PA, Andrew works closely with each client to understand their unique financial situation and find the best possible loan solution — whether you're buying your first home, moving up, or refinancing.
Andrew is licensed in Pennsylvania and holds NMLS # 140260. 1st Trust Financial, LLC holds NMLS # 140182.