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First Home Mortgage named one of Baltimore’s Best Places to Work

Every year, The Baltimore Business Journal invites nominations for “Baltimore’s Best Places to Work”.  Employees are invited to complete a survey to provide feedback and consider their workplace as one of the “best”. This year, First Home Mortgage was proud to be listed as one of “Baltimore’s Best Places to Work” in the large company… Read More

Which mortgage is right for you?

As a home buyer, you may have more options than you realize to finance your investment. Figuring out which loan suits your needs requires research. Your Loan Officer will assess your situation and walk you through all of your choices. However, it never hurts to have a head start by knowing the basic categories of… Read More

Company News: First Home's New Look

After more than 25 years in the mortgage industry, First Home Mortgage has decided to update our brand. We are very excited to release our new look across all channels and throughout all of our branches. First Home has embraced the statement “We Put People First” speaking to the reason behind our business – prioritizing the customers, partners and employees who encompass First Home Mortgage Corporation.

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Why Are Rates Going Down?

In the past couple weeks, there have been some international events driving interest rates down. Well what really drives mortgage rates? The old story from George Bailey in “It’s a Wonderful Life” is still true, for those that need a reminder there is a run on the Bank, and George explains that the money is… Read More

Why it's Important to Pre-Qualify for a Loan

Growing up, most of us heard the words “be prepared”. Although it sounds ominous, this advice is applied to most aspects of life, including home buying. In order for the loan process to run smoothly, one of the smartest things to do is get pre-qualified for a mortgage. A pre-qualification is an estimate of how much you can borrow from a lender and it allows you to explore loan options specific to your financial situation. Pre-qualifying for a loan before you go home shopping helps you set a budget and strengthen your negotiating position when making an offer.
How to pre-qualify

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How Credit Scores Affect Mortgage Rates

Obtaining a low mortgage interest rate can help you save money on the price of your home. While many people try to compare lenders to secure the best possible rate, one of the main determinants of a mortgage rate is your credit score. Borrowers with higher scores are more likely to receive a lower rate than those with lower credit scores. Most lenders view a potential home buyer with a high credit score as more dependable and less likely to default on mortgage payments.

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5 Ways to Reduce Your Energy Bill This Summer

When summer rolls around, many of us dread the cost required to keep the house (and its occupants) cool. The higher the temperature outdoors, the harder your air conditioner has to work to maintain a comfortable climate indoors. In addition to your regular utility costs, having the AC on full blast can lead to an expensive energy bill throughout the summer. Although we cannot regulate the weather on a day to day basis, there are ways to help control your utility bills.

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