About Us

1st Legacy Capital was founded by Ken Freshwater and Andy Shurden in 2016. After nearly 40 years of combined mortgage Ken and Andy formed 1st Legacy Capital to provide consumers in Mississippi the premier resource for 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 accurate information about 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 Reverse Mortgages with consumers, their families, 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 if a Reverse Mortgage through 1st Legacy Capital may benefit them and help preserve their Legacy!


1st Legacy Capital is the only locally owned and operated mortgage company in Mississippi that focuses solely on providing Reverse Mortgages to consumers. By selecting to  solely provide the Reverse Mortgage product, 1st Legacy Capital will remain the most knowledgeable and experienced local resource for Reverse Mortgages in Mississippi. Your Legacy is our priority!


Andy Shurden
NMLS #1450322

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 Reverse Mortgage questions. I believe that a reverse mortgage can hold great advantages for consumers and be a vital part of their retirement and their Legacy. 

Ken Freshwater
Vice President
NMLS #266772

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 Reverse Mortgage.

© 2016 1st Legacy Capital LLC | NMLS #1547824 | Equal Housing Lender, Consult your tax advisor, Call for details on loan programs, not available in all States.

1st Legacy Capital LLC, NMLS #1547824

270 Ridgeland Drive

Starkville, Mississippi 39759

662-268-8877 Office

662-796-6655 Fax

Mississippi Reverse Mortgage Website Design | Reverse Mortgage Mississippi Website by www.myfirstlegacy.com

"These materials are not from HUD or FHA and were not approved by HUD or a Government Agency"