About Us

1st Legacy Capital was founded by Ken Freshwater and Andy Shurden in 2016. After nearly 40 years of combined mortgage experience, Ken and Andy formed 1st Legacy Capital to provide consumers in Mississippi the premier resource for mortgage financing, includimg FHA, VA, USDA , Conventional and Reverse Mortgage Loans locally in Mississippi. 1st Legacy Capital is located in Starkville, Mississippi and serves consumers state wide. Both Ken and Andy are licensed Mortgage Originators and members of the National Reverse Mortgage Lenders Association (NRMLA). Providing excellence in customer service and assisting consumers and their families with Purchases, Refinances and Reverse Mortgages continues to set 1st Legacy Capital apart. 

Both Ken and Andy were born in Mississippi and travel the entire state to meet and discuss Mortgages with consumers, their families, Real Estate Professionals and Financial planners. 1st Legacy Capital  offers professional. personal and prompt face to face consultations throughout Mississippi. Ken and Andy realize the importance of family and value the opportunity to assist consumers and help them better determine what mortgage through 1st Legacy Capital may benefit them.


1st Legacy Capital is the only locally owned and operated mortgage company in Mississippi that focuses on providing Mortgage Loan Products to consumers. With our customer focused, Christ centered work ethic, Your Legacy is our priority!


Andy Shurden
NMLS #1450322
"Mississippi's Mortgage Guy"
Ken Freshwater
Vice President
NMLS #266772

i am Mississippi's Mortgage Guy!!


I'm a native Mississippian, proud father and grandfather with a passion for helping others. Each day is a new opportunity to meet someone and really get to know them. Through my role at 1st Legacy Capital, I am truly blessed to have the opportunity to help consumers and families with all their Mortgage needs. I believe home ownership is for everyone. I love my clients! 

I'm a proud father born in Lexington, Mississippi. My career in the mortgage industry has taken me to various parts of the country, my love for the south and especially my home state of Mississippi brought me home in 2009. Through education and information, my role with 1st Legacy Capital allows me to assist consumers on a one on one personal basis to better help them with their mortgage solution, whether buying, refinancing or taking advantage of a reverse mortgage.

Jeff Jones
Loan Coordinator

   I’m a Mississippi State grad with a passion for Bulldog sports. I have 12 years in the mortgage industry in various roles. At first Legacy Capital, our goal is to give our clients a truly smooth mortgage process. My job is to assist our customers work through the paperwork in an effective and efficient manner. I look forward to working with you throughout this process and beyond!

Ann Jones
NMLS# 97779
Relationship Manager

   I’m a proud mom and wife. I enjoy spending time with my family, attending church, and traveling. I take great pride in educating consumers about the home buying process while so they can find the best home loan program that suits their needs. As Relationship Manager at 1st Legacy Capital I work to effectively assure that homebuyers are comfortable with their new home purchase or refinance and that they fully understand the mortgage transaction process. Experience, integrity, and the genuine desire to help clients are all characteristics that I stand for