We Are Committed to Your Homebuying Success

Purchasing a Home… Redefined

Let a seasoned lending professional dedicated to your community provide support throughout the entire homebuying process.

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The Art of Refinancing

With skill and resourcefulness, our lending professionals successfully navigate the refinancing landscape.

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Let Us Exceed Your Expectations Each Step of the Way

Prev Step
Next Step
step-1
1. Pre-Qualification
step-2
2. Making an Offer
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Making Payments

1.

The first step toward a home purchase is getting pre-qualified for a loan. Your Loan Officer will review your financial information and determine how much you are qualified to borrow. As a pre-qualified buyer, your offer on a home is more likely to be accepted.

2.

Once you have found a home, you will make an offer to buy it from the seller. A real estate professional will conduct negotiations and a contract will be submitted to purchase, accompanied by the pre-approval letter. Once your offer is accepted, you will begin the application process.

3.

When the seller accepts your offer, you begin the mortgage process. Your Loan Officer will gather your financial information, loan application and provide the initial disclosures based on your loan terms.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

Your settlement documents will include instructions on how to make your first payment. While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer.

Prev Step
Next Step
step-1
1. Consultation (Prior To Pre-Qualification)
step-2
2. Pre-Qualification
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Making Payments

1.

Your Loan Officer will review your financial information and determine if refinancing is the best option.

2.

You will submit a loan application.

3.

Your Loan Officer will gather your financial information, loan pre-qualification and provide the initial disclosures based on your loan terms.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer.

Prev Step
Next Step
step-1
1. Pre-Qualification
step-2
2. Making an Offer
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Post-Closing

1.

The first step toward a home purchase is getting pre-qualified for a loan. Your Loan Officer will review your financial information and determine how much you are qualified to borrow. As a pre-qualified buyer, your offer on a home is more likely to be accepted.

2.

First, identify a property that needs work that you want to renovate. From there, you will provide the following to your loan officer to prepare preliminary figures and make sure you qualify for this specific property and renovation amount. You will then receive a pre-approval letter and make the offer.

3.

The first step in the renovation process will be scheduling an appointment with a licensed consultant off of HUD’s consultant roster; they will help you determine the mandatory items that have to be done to get the home up to the minimum property standards for the appraisal and help you devise the scope of work for your wish-list items.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

During Post Closing, your contractor can begin the work. You will start making payments which works the same as a standard loan unless you’ve financed payments into the loan for when the home will be uninhabitable during the renovation.

We Support Our Customers to Make Their Dreams Happen

“He was flawless in his management of our home purchase. An incredibly thoughtful communicator. And was able to explain even the most intricate nuances of the mortgage process to us as first time home buyers. I’d highly recommend him (and already have).”

Lendaid Review

Thank you so much for being with us during this whole process, everything went as smooth as it could be and we know it’s because of all your hard work and efforts. We will definitely keep in touch.

Douglas and Alicia J.

I want to thank you and your team for helping me secure my new home.   It was an easy process and you helped me through every step.  I will always be thankful for all the assistance.

Mary A.

Having gone through the purchase process a number of times, I have to say this was the easiest!

Jean M.
Top Mortgage Producers 2019

Scotsman Guide

Top Producing Lender 2010-2019

Maryland Department of Housing and Community Development

Top Mortgage Lenders 2019

Scotsman Guide

Top 1% Mortgage Originators 2019

Scotsman Guide

Learn More Through Our News and Resource Hub

Tips to Boost Your Home’s Curb Appeal
Life at Home
May 12, 2021
Tips to Boost Your Home’s Curb Appeal

Everyone wants to put their best foot forward when it comes to the first impression others have of their home. Curb appeal is important not only to your guests and neighbors, but it can also have a major impact on potential homebuyers’ initial feelings about your property. Most homeowners are so used to looking at […]

Buying a Home in a Seller’s Market
Mortgage 101
May 07, 2021
Buying a Home in a Seller’s Market

We are in the midst of a booming seller’s market. In real estate, a seller’s market occurs when the demand for homes is greater than the supply. This is the inverse of what happens in a buyer’s market, which is when there is plenty of supply but not as much demand for houses. As the […]

Federal House Financing Agency Announce New Refinance Program for Low-Income Borrowers
Loan Origination
April 29, 2021
Federal House Financing Agency Announce New Refinance Program for Low-Income Borrowers

The FHFA has announced a new refi program to benefit low income borrowers with single family mortgages. These mortgages will be backed by Fannie Mae and Freddie Mac. This new program is designed to help those who were not in a position to take advantage of 2020’s low rates. This new option could save borrowers […]

Tips to Boost Your Home’s Curb Appeal
Life at Home
May 12, 2021
Tips to Boost Your Home’s Curb Appeal

Everyone wants to put their best foot forward when it comes to the first impression others have of their home. Curb appeal is important not only to your guests and neighbors, but it can also have a major impact on potential homebuyers’ initial feelings about your property. Most homeowners are so used to looking at […]

Buying a Home in a Seller’s Market
Mortgage 101
May 07, 2021
Buying a Home in a Seller’s Market

We are in the midst of a booming seller’s market. In real estate, a seller’s market occurs when the demand for homes is greater than the supply. This is the inverse of what happens in a buyer’s market, which is when there is plenty of supply but not as much demand for houses. As the […]

Federal House Financing Agency Announce New Refinance Program for Low-Income Borrowers
Loan Origination
April 29, 2021
Federal House Financing Agency Announce New Refinance Program for Low-Income Borrowers

The FHFA has announced a new refi program to benefit low income borrowers with single family mortgages. These mortgages will be backed by Fannie Mae and Freddie Mac. This new program is designed to help those who were not in a position to take advantage of 2020’s low rates. This new option could save borrowers […]

Tips to Boost Your Home’s Curb Appeal
Life at Home
May 12, 2021
Tips to Boost Your Home’s Curb Appeal

Everyone wants to put their best foot forward when it comes to the first impression others have of their home. Curb appeal is important not only to your guests and neighbors, but it can also have a major impact on potential homebuyers’ initial feelings about your property. Most homeowners are so used to looking at […]

Buying a Home in a Seller’s Market
Mortgage 101
May 07, 2021
Buying a Home in a Seller’s Market

We are in the midst of a booming seller’s market. In real estate, a seller’s market occurs when the demand for homes is greater than the supply. This is the inverse of what happens in a buyer’s market, which is when there is plenty of supply but not as much demand for houses. As the […]

Federal House Financing Agency Announce New Refinance Program for Low-Income Borrowers
Loan Origination
April 29, 2021
Federal House Financing Agency Announce New Refinance Program for Low-Income Borrowers

The FHFA has announced a new refi program to benefit low income borrowers with single family mortgages. These mortgages will be backed by Fannie Mae and Freddie Mac. This new program is designed to help those who were not in a position to take advantage of 2020’s low rates. This new option could save borrowers […]

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