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.

Learn More

The Art of Refinancing

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

Learn More

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

First Home Mortgage will always be my go-to! The entire team was extremely helpful, professional, knowledgeable, organized, and efficient through the entire home buying process. I couldn’t give a higher recommendation! 20/10 stars across the board.

This could not have been a better First Time Homebuyer experience! The team was so incredibly great to work with! So organized, attentive and timely with everything along the way! We will definitely go back for all of our home loan needs! They made what can be a daunting experience, an easy one!

This is by far the most amazing company I have dealt with. This was my first time purchasing a home. I had no clue what I was doing. They showed me every step that was necessary in order for me to get into the home.

Top Mortgage Producers

Scotsman Guide

Top Producing Lender

Maryland Department of Housing and Community Development

Top Mortgage Lenders

Scotsman Guide

Top 1% Mortgage Originators

Scotsman Guide

Learn More Through Our News and Resource Hub

Winter Projects
Life at Home
January 13, 2022
Winter Projects

Gone are the days of enjoying a light breeze and 60 degree temperatures. It’s officially winter, and you know what that means – it’s going to get even colder.   But just because you can’t be outside as much doesn’t mean that it isn’t a good time to complete home improvement projects. Checking things off […]

2022 Trends
Market Updates
January 06, 2022
2022 Trends

To say 2021 was a crazy year in real estate is an understatement. House prices increased, loan rates decreased, and as a result, a lot of inventory moved quickly.   But what does 2022 have in store for us? Here are some of the predictions that industry leaders have released.   Mortgage Rates. In January […]

Preparing For The Holiday Season
Life at Home
November 17, 2021
Preparing For The Holiday Season

With the world slowly getting back to a new normal after Covid-19, this year’s holiday season might reflect the past holiday seasons, which for many is hectic. If you’re hosting dinner at your house this year, your mind is probably going through every detail before guests arrive. Here are a few pointers to help you […]

Winter Projects
Life at Home
January 13, 2022
Winter Projects

Gone are the days of enjoying a light breeze and 60 degree temperatures. It’s officially winter, and you know what that means – it’s going to get even colder.   But just because you can’t be outside as much doesn’t mean that it isn’t a good time to complete home improvement projects. Checking things off […]

2022 Trends
Market Updates
January 06, 2022
2022 Trends

To say 2021 was a crazy year in real estate is an understatement. House prices increased, loan rates decreased, and as a result, a lot of inventory moved quickly.   But what does 2022 have in store for us? Here are some of the predictions that industry leaders have released.   Mortgage Rates. In January […]

Preparing For The Holiday Season
Life at Home
November 17, 2021
Preparing For The Holiday Season

With the world slowly getting back to a new normal after Covid-19, this year’s holiday season might reflect the past holiday seasons, which for many is hectic. If you’re hosting dinner at your house this year, your mind is probably going through every detail before guests arrive. Here are a few pointers to help you […]

Winter Projects
Life at Home
January 13, 2022
Winter Projects

Gone are the days of enjoying a light breeze and 60 degree temperatures. It’s officially winter, and you know what that means – it’s going to get even colder.   But just because you can’t be outside as much doesn’t mean that it isn’t a good time to complete home improvement projects. Checking things off […]

2022 Trends
Market Updates
January 06, 2022
2022 Trends

To say 2021 was a crazy year in real estate is an understatement. House prices increased, loan rates decreased, and as a result, a lot of inventory moved quickly.   But what does 2022 have in store for us? Here are some of the predictions that industry leaders have released.   Mortgage Rates. In January […]

Preparing For The Holiday Season
Life at Home
November 17, 2021
Preparing For The Holiday Season

With the world slowly getting back to a new normal after Covid-19, this year’s holiday season might reflect the past holiday seasons, which for many is hectic. If you’re hosting dinner at your house this year, your mind is probably going through every detail before guests arrive. Here are a few pointers to help you […]

Roll Up Your Sleeves – it’s Time to Get to Work!