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Ayla was very patient with all of my questions and concerns. As a first time home-buyer I was extremely nervous and probably drove her crazy with all of my questions. She never faltered or made me feel like I was testing her patience. Ayla was extremely helpful and answered all of my questions with honest answers (good and bad). I would definitely recommend her to anyone looking for a new home.

Excellent Service

We closed on our home yesterday. We’ve been dealing with another Lender for 5 months when they dropped the ball and almost caused us our contract not to mention our money. So with our closing being delayed, I contacted Ayla Harris just for advice. Within minutes she called me and arranged for us to meet. She gave us more information than we had received the ENTIRE time we were with the other lender. She educated us. She was so resourceful and informational. Her experiences gained her the respect and workmanship with all the key players involved in our process. This made our journey smooth saling from there.

She outlined a plan of action, contacted our Realtor and explain the new game plan and we are NOW homeowners because of it. She is a beast. My Realtor even asked where did you find her?

The most important part of buying a house is securing the money for the house. No Realtor will ever entertain someone who hasn’t sat down with a loan officer, PERIOD. Granted everyone situation is different, that’s why you need someone that is well-versed is just about every situation out there. She is the first stop call Ayla Harris even if you think you not ready she will outline a plan of action for you so get you on the road to home ownership.

My MVP so knowledgeable, informational, and resourceful

I just bought my second house with Dan, and the experience was again, a great one. He’s involved the entire time and helped with anything I needed. Anyone looking to purchase a home should definitely give him a call! Makes home buying as easy as possible and stays with you even after you’re settled into your new home.

Stuart H.

The whole experience was non stressful. Working with Dan and his coworkers went so smooth and very professional. Through the beginning to the end they made sure I was their priority! I would recommend them to my friends and family. Thank you so much First Home I’m living in my dream house.

Lee G.

Dan and his staff were extremely helpful. They answered all our questions, presented all the options and once we made a decision efficiently guided us through the process. They were patient, responsive and planned ahead so that we were not rushed to get our requirements submitted. A great experience and outcome for us.

Harold F.

Karen Dulmage and her entire team at First Home Mortgage were an exceptionally professional group who were pivotal in facilitating lending operations to complete my home buying process. Multiple references led me to Karen and from our first conversation over the phone I knew I would elect to utilize her services. During the phone call I was not pressured into making any immediate decisions, she was just very informative and only provided an email with directions on the application process. Her unbiased professionalism was very apparent and I felt comfortable immediately. Once complete with the application process I was seamlessly transitioned to working with two other members of her team. Once again, I was met with the same professionalism and competence. Directions throughout the process were always clear and concise, and I never had to perform an action twice due to uncertainty or ambiguity. The whole process was extremely efficient, work was completed quickly and I was complete with all actions a month prior to closing. This allowed my family peace of mind knowing our home search was quickly approaching the finish line. Lastly, the Dulmage Team sent a children’s book about moving to my three year old daughter. This act of kindness was very touching, especially to a military family who is constantly on the move. The book brought a smile to my daughter’s face and fostered excitement in her mind about the new home that was waiting for her. From our initial conversation to closing, Karen and her team provided unparalleled professional services to my family and I.

Joe T.

I started my home buying process going through an online lender, the commercials made it seem so fast an easy. Getting pre-approved by them wasn’t hard, but getting them on the phone when I needed to make an offer was impossible.

I was referred to First Home Mortgage by my friend, who was also my realtor, she mentioned multiple times how fast FHM was. Frustrated waiting for a response from the online lender, decided to give Chris Jordan at First Home Mortgage a try. I got pre-approved, as well as a personally catered mortgage plan and breakdown before the online lender even replied to my message asking “I found a house I want to buy, what do I need to do”?

The rest of the process was smooth and informative and the rates I got were exactly what I was hoping they would be. They helped me along the way at every step, sent me cookies, and keep checking in to let me know what I should be expecting coming up and asking how I’m doing.

Go with First Home Mortgage, you won’t be disappointed.

Faster than those online lenders, so fast I closed a week early

My boyfriend and I started working with Rita back in February/March of 2018 when we started our house buying adventure. From day one, she was always available anytime we had questions, concerns, or needed some advice. On more than one occasion, she would stay late after work just so that we could come by for whatever the case may be. If there was ever a question she was unsure about, she would find out the answer and get back to us within hours. She always put us first and made us feel as if we were the only clients she was working with. After hearing others talking about how bad their house buying process was, I was very skeptical and assumed it would be just as bad for us, but it was the complete opposite. I would and will recommend Rita to anyone I come across who is wanting to purchase a home. I can’t thank her and First Home Mortgage for everything they have done for us these last few months!!

Carly S

You and your team were nothing short of amazing and my wife and I will be forever grateful. You’ll be our only recommendation for anyone looking for a loan in this area and I went ahead and gave you 5 star review!

Tyler S.

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.

We both feel very fortunate to have such a strong, caring, and knowledgeable team to lead the way on getting our first home!

Joel and Lindsay M.

Thanks for how classy you guys have been.

Eric and Lauren N.

Rita goes above and beyond . If you are looking for someone to assist you in the mortgage process she is as good as they come!

Donny T.

Rita was more than wonderful to work with. Very knowledgeable & on top of things. She was a true blessing in this home buying process. I wish I could give her 100 stars. I definitely recommend her for your home buying needs.

Brandy C.

Rita was awesome! She did what no other loan officer could do! We were very blessed to find her! We had a very unique situation in the buying/selling process and she was absolutely fantastic! Can’t thank her enough for the hard work and compassion showed during the whole process! Always kept in touch and available for any questions! We had given up hope and then we found Rita!!!

Angie C.

We just closed on our house! Thanks to Rita for her hard work and dedication. She was very attentive and informative! She replied to every message and phone call instantly. We couldn’t have done this without her!

Brooke B.

My wife and I really enjoyed working with Rita! She was extremely pleasant, professional, and timely with communication. We were first time home buyers and she was wonderful clarifying all the questions and concerns we had about the process every step along the way! She helped to make the our first home purchase a comfortable and positive experience. Thank you Rita!

Samuel B.

Rita was great to work with. Always answered our phone calls and emails right away. She was very detailed and explained things step by step. I would defiantly recommend her to help with your refi needs.

Andrea P.

Rita is a very sweet business woman, but she is also direct, transparent and honest which I highly value. Working with her was a dream; it was if she was accessible any time day or night despite being a mom and wife. As a working mom and wife myself, I have the upmost respect for her drive and work ethic. Rita is constantly professional in every way. Our realtor, who has over 30 years’ experience, was highly impressed with Rita. She was on top of everything every step of the way despite being 60 miles south of us. I found comfort in knowing Rita was working for what was best for my family and me. We troubleshot every loan option available, and Rita researched extensively for grants and down payment assistance in my area. She checked every address we toured to check eligibility for additional options. Each time I had a question, Rita had the answer and took the time to educate me. I began working with Rita 5 months before I was ready to purchase. She did not shut the door in my face because I was not ready to buy yet. She did not push me to go ahead and buy before I was ready. She took her time, and when I was ready she went into hyper drive getting things done. Every document produced by Rita was accurate; we never had to request changes or corrections to errors. Purchasing a home is one of the most stressful adventures in life, but Rita was so pleasant, caring and sweet each time I interacted with her that my stress would melt away. I actually work for a large bank, and when I went to them to apply for a loan, I was treated poorly and I worked there; Rita blew me away with her abilities. She retains what you tell her and does not ask for the same information over and over again. She builds a personal relationship with you and your family. I could not imagine doing business with anyone else!

Jaclyn M.

Rita is FANTASTIC! She was very informative and answered any questions we had right away. The whole process was easy. Thank you Rita!

Hannah P.

Everything was great! Communication was clear and extremely timely. She was very pleasant to work with and made our first time home buying experience a positive one. Thank you Rita and First Home Mortgage!

Casey B.

Rita was wonderful . She helped us with everything and gave us plenty of information and reminders to help us buying our first home. I will definitely recommend her to any friends looking to buy a home as well!

Brian B.

You all have been amazing! You have made this such an easy process, I wouldn’t say it could’ve been any better! Appreciative and thankful is an understatement!!

Brandy G.

Hi Nathan, thank you very much for all your help with our mortgage!  As you probably remember, this move was literally an overnight decision for us and we really weren’t prepared at all.  We also know how much work goes into this (and probably way more in the background that we don’t know about), but you and your team made everything go as smoothly as it possibly can –please pass our note to them as well!  Hope we stay in touch, though we also hope that we’ll stay put for a while

Gulum & Camron

Oh my, thank you so much!  You and everyone have been the best.  I hope I can refer as much business as I can, you are all wonderful at what you do.

Aimee B

What would we have done without guidance from Zachary Bodine? He made the daunting process of buying a home for the first time seem manageable through his clear and timely communication. Thanks, Zack, for answering our myriad questions! You were such a crucial part of our home-buying team, and now we’re moving into a dream house because of your help. Thank you!

Elizabeth Darlington & Bethany Bennett

We cannot explain how grateful we are from the beginning to the end your work ethic was top notch. As we all know it was not an easy roller coaster but your guidance was very helpful.  We want to thank you and your team for all your work. Thank you for everything and don’t worry we will stay in touch.  Now regarding sending and recommending people your way that’s one hundred percent going to happen.

Randy and Tricia H.

Dan and I would like to thank you so very much for an excellent experience. As first time home buyers and with an unconventional set up (purchasing with our parents), we could not have had a more detailed, patient, responsive, expert team to help us along the way. You were excellent in keeping us on track, dealing with the many people in our group, answering questions (sometimes repeatedly), and being kind and patient along the way. Without your expertise and huge investment of time, I am not sure we could have accomplished purchasing our dream home. We are so grateful for your huge effort and constant professionalism. Thank you so very much!

Dan and Jenna F.

Our real estate agent recommended Jason to us, and I was pleasantly surprised with the responsiveness and support that he offered. We were originally looking at a different lender, and since we didn’t have any gauge of what the process really looked like, we were willing to work with whomever we signed up with first. However, after a not-so-stellar experience with another lending company, we were very lucky to have been recommended Jason. I feel like that was the turning point in this whole process for us, once he took us on and offered his assistance. It was a great experience, and I highly recommend him for anyone looking to buy a house.

Simple, Painless, and Fast

Jason and his team truly went above and beyond and were simply amazing! Jason, was extremely responsive and followed up with every question and concern we had faster than I could have hoped for. Jason was even able to get us to closing in under a month and over two weeks sooner than the original closing date. Working with Jason and his team was a night and day difference regarding our experiences with our last home. I have never experienced such professional, personal, and genuine customer service like this before. That being said, I will use Jason for all of my home financial needs as long as he is working! Jason and his team have earned my business for life.

Business for life

I chose Jason over two other lenders. He had competitive interest rates, and his customer service and advice was magnificent. He was available for emails and phone calls after hours and weekends working with us and the realtor to fast track our closing. He is professional and knowledgeable and the team he has working for him courteous, professional and customer orientated. I recommend him and his staff to anyone whom wants the best.

R & J

Jason was exceptionally helpful throughout the process of getting our loan approved in the purchase of our first home. We were unfamiliar with the process and Jason held our hands throughout ensuring we felt comfortable and knew exactly where we were in the process. We would absolutely recommend Jason as a lender. His extensive knowledge of the VA loan process made everything so much easier for us. My husband and I could not be happier with the personalized customer service we received.

Made the Process Easy for First time Homebuyer!

Matt did an absolutely outstanding job! He went above and beyond to make sure we were on track, and reached our closing on time. He worked early in the morning and late at night to answer any questions I had, and make sure we had what we needed for closing. I will 100% recommend Matt in the future!


Dear Karen,  We can’t thank you and your team enough for making our new home possible!  From pre-qualifying to closing you streamlined every step of the process.  Beyond that, your expertise with VA loans was invaluable and undoubtedly saved us a great deal of money.  We will recommend the Dulmage Team without hesitation to anyone in need of a mortgage and especially to fellow Veterans.

Joe and Nina S.

My husband and I just bought a house with First Home Mortgage and I can’t say enough good things about working with them. Mike Bass, Hannah Katz and Katie McLaughlin were incredible to work with. The professionalism and quality customer service was top notch. In the past, we had purchased a home through our bank, who we have all our accounts (insurance, checking, savings etc) and although we will keep all their other services they just couldn’t compare to the service First Home Mortgage provided us. Working with a big bank can get tricky because things are passing between so many different people to get the mortgage approved and I often felt I was waiting around to hear back about questions or was never fully aware of our progress during the mortgage process. This couldn’t be farther from how First Home Mortgage operates. While I was shopping for lenders, Mike Bass answered all of my questions not in an attempt to try to get my business but to help me better understand all the fine print and confusing numbers a mortgage quote can have and what to look for in a trustworthy company. It’s easy to shop for lenders and only look at the numbers and try to get the lowest price but there is so much more to look for and Mike helped me to understand what to look for. A different lender tried to be competitive by giving a large lender credit which at first glance looks incredible but after learning what to look for (after speaking with Mike), I was able to tell the difference between fair and competitive pricing and sneaky sales tricks to make the numbers to look appealing to the customer.

Mike Bass made himself available to my family whenever we needed him. After working with a big bank and waiting to hear back hours and sometimes days for answers to questions or status updates, I was truly blown away by the immediate responses I received from Mike and his team. Our situation was trickier than most and Mike ended up writing an updated approval letter for us at 11:30 at night so that we could get our offer in ASAP. This type of customer service is what you can expect when working with First Home Mortgage as well as personal gifts and feeling like you are working with friends more than jumping through hoops for a big bank. Mike Bass even attended our closing, which almost never happens with other loan officers. After my experience with Mike Bass and First Home Mortgage, I can honestly say that I will never use a big bank for any future mortgages. Their customer service surpassed even my highest expectations.

Thank you Mike, Hannah, Katie and the rest of the First Home Mortgage team for helping us make our dreams a reality!


Sue and I were awed at the engraved cutting board you sent us. We are very touched. Thank you so much. You are a real sweetheart. One of our favorite people.

Mark and Sue T.

Having purchased 7 homes in my life, I have worked with numerous lenders. I can honestly say Eric and his entire team are the most professional and service oriented people with whom I’ve ever worked. Eric and team deliver as promised and provide exceptional customer service, walking you through every detail if needed to ensure you’ll be able to close on your home without issue. If they can help me navigate the intricacies of returning to the US from a 5 year work assignment in Switzerland, I’m certain they can help you, too. I give them my highest recommendation.

A. Anderson

My husband and I recently purchased our first home. We started this process a little over a year ago as complete mortgage/real estate neophytes with no idea what the process entailed or how to get started. Eric was referred to us by our relator and it was the most incredible gift to be able to work with someone so professional, patient, personable, funny and accessible. He spent countless hours with us educating us about the process and how it worked, walking us through each step with incredible detail and patience. We never felt pressured or pushed into a decision on anything throughout the entire process. He made us feel immediately comfortable to ask any question and was so accessible it felt like he became a part of the family with late night text messages and emails. We quickly learned how lucky we were to have such personalized help throughout such an incredibly profound life moment. Every part of the process went smoothly and was on time or ahead of schedule. We knew we were always in good hands and were getting the best advice and guidance possible. Eric is amazingly talented and an asset to have in your court. Cannot express how strongly we recommend him. He truly is the BEST of the best!!

Sami G

Thank you Karen for another successful mortgage. It went as smooth as I anticipated and told them it would. Thanks to you and your staff!  I really like the follow up emails to the buyers and the fact that you explained everything so well. It really helps with the entire process and keeping everyone in the loop.  Until the next one!!

Kim S., Realtor

She has been a great help.  With constant updates, always making sure I had all of my paperwork and just being absolutely awesome.  Thanks Miss Ronetta!

Philip V.

It was a pleasure working with Ms. Sykes.  She was very pleasant and responded back quickly.  She kept me and my buyers informed from the beginning of the process to closing.

Sandra H.

Ms. Ronetta kept me informed of my different options while explaining which one would be more beneficial. She’s making my house buying process smooth and has limited my amount of confusion and frustration.  Thanks for all of your help!

Chanel D.

Thank you! You were beyond patient in this whole process!  Very attentive and seeking out the best options for my family and I! I wish you much success and you’ll forever have my business.  Thank you very much!

James H.

Ms. Sykes is very professional, easy to work with and does what is needed to get my buyers to closing.  She has made my part in every transaction easier for me by following up with my clients and keeping me informed in the process.  I highly recommend her to all of my buyers.

Marie V.

Ronetta Sykes has been VERY helpful in my first home buying process.  She was ALWAYS available to answer ANY questions I had, kept me informed throughout the entire process, and was able to calm my fears in taking one of the biggest steps of my life.  She showed up at the closing table for support and she continues to keep up with me, which speaks VOLUMES of the care and concern for the client.  It has been a PLEASURE working with her and I would DEFINITELY recommend her services to anyone I know who may be looking to buy a home!!!

Keli K.

Absolutely awesome. Very professional and efficient.  Every hurdle seemed to be a small speed bump for Ronetta.  Even though she had numerous cases, she always worked on our loan and kept it a priority.  We are looking forward to working with Ronetta on future business projects and we are sending friends, neighbors and church members her way.  Simple- her service is one of a kind.

Caleb and Valerie P.

Ronetta was an absolute blessing for me.  She walked me step by step through each process explaining every detail.  She is very reliable through e-mail or text, and never leaves me in the dark.  If I ever have a question, she contacts me back as soon as possible.  Ronetta is a very understanding, trustworthy, kindhearted woman that hasn’t let me down since I’ve met her.  I’ve been through a lot with so many people during this process that made me want to quit. After I met Ronetta, she showed me that there is light at the end of the tunnel.  Thank you for everything Mrs. Sykes.

Ron L

Ronetta was very patient.  She communicated with me throughout the process.  She went above and beyond what I would have expected to see to it that my loan closed.  Even though I had to overcome some hurdles due to my unique situation, she never gave up or wavered.


I have worked with Matt for about 5 years.  He is a true professional and someone I feel comfortable referring my clients to.  I have clients that have used him several times to buy their first home and then their next.  I like it when my clients use him because he makes my job less stressful!  Matt stays on top of all the details, keeps me updated on loan progress and is always thinking ahead.  He is great with first time home buyers, move up buyers and investors.  He is experienced and always gets the loan closed.  I appreciate having him as someone I can trust sending my clients to.

Michelle S. - Realtor

We have worked with Matt on mortgages for two of our homes.  Both experiences have been a pleasure.  Matt and his team are a breeze to work with and exceptionally thorough.

Matthew G. - Client


As we spend our first Christmas in our new home, we can’t help but think about you and all you did to get us here. Thank you for being so kind and patient with us.  Most importantly, thank you for answering all of those text messages, even after we purchased our home. You have no idea how grateful we are to you. Thank you!


Michelle and Gretchen

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

Jean M.

I truly can’t thank you enough for everything you and your team did to help me through this process.  You went above and beyond every step of the way and I’m forever grateful to all of you!  You’re an amazing group and I’m blessed to have worked with you.

Kelly A.

I want to thank all of you as well for such a smooth transaction. First Home is the best!

Haley B., Real Estate Agent

I have known Matt for 17 years and he helped me purchase four homes. I have chosen to work with Matt for one reason: TRUST. I am trusting Matt to put my interest and needs first. Matt is very knowledgeable and will be available to work with you at your own convenience. He is patient and will explain every detail of the transaction. Matt is very responsive and prompt not only with you, the buyer,  but also with all parties involved in transaction; the real estate agents, and title companies. His excellent communication skills and promptness have been noticed by real estate agents I worked with. Matt will look after your interest even after closing the loan. He’ll contact you if a favorable refinancing situation arises. In short, if you are looking for a loan officer who pays attention to your needs, and works overtime to get the job done, then work with Matt. I would strongly recommend Matt to a family member or friend.  5 stars! 



Mitch L.

Hi Karen – closing went as smooth as silk.  Took less than 45 minutes.  Thank you for your services.  As always, you and your team, are so professional, organized, thorough, efficient, and top notch!

Patti S.

Karen and her team are the best I’ve ever worked with. We just closed on our home yesterday, and did majority of it all in a different state, but they made the whole process easy and as smooth as possible. We constantly got emails throughout the whole process to see how we were doing and I’ve never ever worked with anyone as personable and caring as Karen and her team! Thank you all for an amazing experience!!!

Jessica D.

I really admire and appreciate your professionalism and the extra touches you do as an extension of your signature class act.

Patricia S.

Everything is going great. This has to be one of the best mortgages and services I have ever had. I have set up auto pay and I love the fact that I get an email indicating it has been paid each month. I also got an email indicating the taxes have been paid. As an accountant I appreciate this because I don’t have to go double check that the transactions occurred.

I don’t have anyone to recommend to you but trust me if anyone does ask me for a recommendation I would tell them go see you!

Hope all is well with you and your wonderful staff!


Please visit my Zillow page to see my testimonials. www.zillow.com/lender-profile/jryon/

Chris Loughlin was AMAZING… Working with Chris Loughlin was personable. Throughout the process I felt as though I was his only client. He was extremely patient and knowledgeable. Best experience.

Casaundra K.

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’ve been meaning to drop you an one thanking you and your team for all your help making this happen. I can’t tell you how wonderful an experience it has been!!


I would like to thank you for making this process as smooth and easy as possible. Your team was helpful every step of the way. I will definitely be recommending you and telling all my our friends and family about our great experience.


Thank you, and your entire team, very much for your assistance and professionalism. You all made something that can be very stressful seem easy.  That’s no small feat and one for which you all should be proud, as I’m sure you are.

Chris and Mary H.

I couldn’t be more delighted with you and with First Home.  All along this process I’ve been hearing horror stories from friends about how their mortgage companies were unprepared, or let them down in some way… I feel so blessed!  Thank you so much for everything – please also thank your staff, thank you all so much for taking such good care of me.


Bob! I can’t say enough! I am so glad I had you in my corner. Your dedication to your job, sick math skills, and professionalism were so greatly appreciated by myself & family. Thank you again for helping me find my dream home and make it a reality!


I just want you to know that you and your team have been the best I have worked with in a long time.  I was beginning to think there were no good mortgage lenders.  So glad to be working with you!

Terry N., Realtor

It is truly a pleasure doing business with you and your colleagues. Sadly, it is rare in today’s business world that people do not respond promptly (or at all). You and your team are rare and it is a joy!!!!

Kirk and Victoria A.

I could have never imagined or asked for a better individual to work with. Chris legitimately made me feel as if the process was important to him as it was to me. I would not use anyone else for my mortgage needs.

Quinn K.


Thank you very much for your professionalism, knowledge, hard work and patience. It has been a pleasure working with you and your team. I wouldn’t hesitate referring you to my family and friends. I am forever grateful.

Thanks Again

Demetria L.

Wow! Great service and care!

Robert and his team were a great addition to our home buying experience. Robert was patient with our first-time home buyers questions and he was extremely knowledgeable. We had a major issue that came up due to the seller/seller’s agent. Robert and his team absorbed the cost and made what could have been a much more stressful situation more manageable. Robert worked super quickly, he was so easy to get in touch with and responded to any calls and emails with lightning speed. He was friendly, funny and he even came to closing. What a great experience!


Ryan and his team makes what is usually a very stressful process, very manageable.

Christina K.

Ryan and his team were fantastic during the whole home purchase process.  No matter the question, Ryan got back to us in a timely fashion and made sure everything went smoothly.  Anytime an issue would come up, either Ryan or someone from his team would quickly step in and make sure it was taken care of.  Our purchase was a complex one but Ryan made it seem easy.  If you are looking to finance a new home I would highly recommend reaching out to Ryan!

Roberto M.

Tony, I should be the one thanking you. Almost 2 years ago I met you and Bridgette in her office downtown. At that time my main reason for moving to Annapolis was the location. Since then I realized the REAL reason to move here is for the people and the community. You and your staff are just not a mortgage bank, but friends and colleagues I will continue to use. Thanks again you were the best.

J.R. & A.R.

I was a first-time home buyer, that purchased a for-sale-by owner home – so no realtors were involved, plus there were all kinds of other complexities involved with the sale.  I found Ryan after reviewing several lenders.  He answered all of my questions, sometimes multiple times (because I didn’t really always understand the answer the first time).  He demystified the home buying process and demonstrated kindness and integrity throughout the entire process.  In addition, Ryan is very responsive.  I don’t plan on getting another home loan anytime soon, but when I’m on the market again, I will definitely seek out Ryan (if he’s still in the business then).  In the meantime, I will just recommend him to everyone I know.

Michelle C.

Thanks so much for everything you’ve done to guide us. We wouldn’t have asked any of the right questions had it not been for your guidance.

Kevin T.

Thanks for taking me seriously when other banks wouldn’t.  And thanks for making my dreams come true!

Karen R.

Thank you very much for making this process easy and for all of your guidance and help. We are truly lucky to know you and we will continue recommending you.

Justin & Carol S.

You and your team did an excellent job, so much in fact that we recommended you to our long time friends that are working on selling the house adjacent to our previous home and buying new.  It made the buying experience a lot better knowing that we had a team of professionals working with us to ensure we received the best loan possible.



Hey … Things were obviously kind of crazy before and we didn’t have much time to really talk.  Now that we’re back at our condo and settling down everything is starting to really set in and hit me what just happened.

Honestly and I’m not just saying this, but this would’ve never happened without you because I know how hard of a file I was to try to get through because of all of the businesses and other hurdles we had to overcome.  Anyone else or another company would’ve just left me and said it’s not worth it but you stuck with me the entire time and there’s nothing I could say or do to thank you enough.

And take it for what it’s worth lol but I knew we were probably going to butt heads in the beginning just a little bit just because we are both controlling and want everything done our way which is also why we are both very successful.   I knew you weren’t going to give in but I always had to at least put up a little fight.

Either way I just wanted to send you a very heartfelt thank you.  You truly made our families dream come true

M.D., Ocean City, MD

For someone who’s time is very valuable, your service & expertise has been exactly what I needed. Thanks again!

G.D., Fairfax, VA

I recently refinanced with First Home, during the course of which I found you to be extremely helpful, courteous, & patient. I have already given your name to my family & friends.

J.D., McLean, VA

I’m writing to thank you again, for being an absolute pleasure to work with. You always returned my calls promptly, and were on top of everything at all times. You made my refinance a breeze. No wonder you so came highly recommended! Keep up the great work!

Y.S., Silver Spring, MD

I really could never thank you enough for all your hard work – above and beyond the call of duty. The professionalism and efficiency is something that everyone else should try to emulate.

A.J., Bethesda, MD

Thank you! I really appreciated all the help and care that everyone on your team took in handling our mortgage and will definitely recommend you to anyone I know that is in need of your services.

M.P., Chevy Chase, MD

Thank you very much for a job VERY WELL DONE! I appreciate your overall concern, professionalism, and everything that went into my loan. You made this a very easy and painless process. I look forward to recommending you, and doing business with you again in the future…

C.K., Alexandria, VA

A true professional who goes out of his way for his clients! A pleasure! The closing was very quick! Thank You!

H.M., Arlington, VA

Wow – one of the only loan officers I’ve seen that actually delivers what they promise from day one. Everything was straight forward and as advertised. Alec Smith will be the only mortgage loan officer I will ever choose or recommend.

J.B., Burke, VA

It’s very refreshing to find a loan officer who acts in their clients’ behalf, especially in today’s market. You have proved that time and again. There’s nothing more comforting in knowing that my clients are in great hands.

C.H., Rockville, MD

Dinah and her team were great to work with. We are very happy customers.

Jeff D. Chestertown, MD

I had the pleasure of working with Matt twice on my home refinancing, once in 2002 and again in 2010. Matt’s extensive knowledge and experience in the mortgage industry enables him to streamline what can be a complex and confusing process. Matt will work tirelessly to insure you get the best rate and complete the process as quickly as possible. Whether you are getting your first mortgage or refinancing I would high recommend Matt.

Greg A.

David is a class act. He follows through more than most loan officers do. In cases of a difficult transaction, David knows how to close the deal. The communication is prominent and the results are a very smooth settlement. One down and many more to go with this guy!

Mark R., Washington, DC

Bruce and his team were absolute professionals during both of our recent home purchases. That’s right, both. We had such a great working relationship with Bruce and his team that when we needed to reach out to a lender for our new home, we didn’t even shop around. His team was always extremely fast to respond to any questions we had, and they always stayed on top of the mortgage process so that we never felt overwhelmed or out-of-touch. Thanks, Bruce, for helping us into our dream home!

Jane and Tye H.

Marshall, thank you for the outstanding service that Becky and I received.  Being a couple of thousand miles away was stressful but your team helped alleviate much of it l.  We couldn’t be anymore pleased with how smooth the process went. O’Mara really knew what she was doing when she recommended First Home Mortgage to us.  Thanks again for everything!

Roger & Becky

Matt was the loan officer of the two residential properties that I purchased in the past two years. His commitment and integrity is exceptional. He is very knowledgeable in his field and goes above and beyond to ensure that his customer is aware of every detail. He does his best to offer the best value and provides guidance as needed. His commitment in keeping his customers happy and meet the deadlines is admirable. I will work with him again and highly recommend him. he also has a great network of people that can expedite the work and increase the quality of the service.

Sogol and Grid G.

As first time home buyers my wife and I could not be more pleased with the services Ryan and Vendula of First Home Mortgage provided us. They walked us through each step of the process, providing guidance along the way, and thus allowing us to make sound decisions when it came to obtaining a VA loan. They were both very knowledgeable with the VA loan process and the various intricacies that accompany a VA loan. I cannot recommend Ryan and Vendula enough to others who may be considering buying, selling, or refinancing.

Matt L.

Working with Ryan and the FHM team was a great experience. In the world of mortgages and refinances it’s not always a smooth experience and with Ryan’s professionalism and Vendula’s attention to detail they made the process really positive. I would recommend FHM to anyone looking to buy or refinance a home. They get a A+ for service in my book.

Brian S.

I have used Travis as a trusted lender referral for many of my clients in both purchases and refinances. He is knowledgeable, trustworthy, a great communicator and has a solid understanding of the local lending climate. He has kept both clients as well as myself informed in our transactions and is always available to answer questions. Whether you are a first-time homebuyer or experienced investor, Travis can get you to the closing table feeling comfortable and cared for. He’s been able to get loans approved when other lenders could not, and my clients like working with him. He is competent, professional and an all-around genuinely nice person.

Tamara Kucik

Working with Ana and her team was super easy. She is always responsive, knowledgeable, patient, and thorough. Exposing all your financial habits can be very uncomfortable but Ana makes it a smooth transition. She was my third loan originator and did everything with accuracy and transparency. I cannot thank her and her team enough!

Lauren M.

I just wanted to say thank you so much for working with me for the past few months in getting our first home. It’s hard to take a moment to celebrate when all I can think of now is moving, but I really do appreciate how warm and relatable you were during the process. Thanks for your advice and your support. We really appreciate it!

Diana, Alexis, and Stacy

Words can’t explain the love I have for you. From the first day I met you until now you have always been very professional. You are truly a rare gem. I want to thank you for working with us and not ever throwing in the towel. We had a rough road to travel; but you never gave up. We appreciate your kindness and your big heart. When you threw in your team, Manuel and Lorena, this was just icing on the cake. They made this process fun and easy and always made me feel special. You guys are a great team. WE MADE IT!

Diane and Alvin T.

I do not have enough words to thank you for having accomplished the impossible, refinancing Richard’s house. I know that nobody but you would have had the knowledge, the interest, the persistence, the capacity, the caring and the determination to do this. So again, my gratitude has no limits. I have worried and prayed for years about this, and finally God sent you to perform this miracle. What a blessing you have been! Please thank your whole wonderful team for their great work and to you thanks again and a big big hug.


I recently used First Home Mortgage for my home loan and it was a great experience. David was professional, timely, and very helpful during the entire loan process. The property that I was interested in was not VA approved so I was going to use a DC home buying program called DC Opens Doors for a conventional loan. First Home Mortgage was one of the lenders approved to work with the DC government for this program and this is how I met David. He looked at my numbers and suggested I not use the program since he could get me a better rate with a faster approval turnaround. David was able to produce a pre-approval letter within an hour so I could make the offer ASAP. I recommend First Home Mortgage, and David Toaff specifically, for your lending needs. He was a valuable piece of my home buying experience.

Susan K., Washington, DC

Thanks so much Steve. I’ve never been through as smooth a process before so I will definitely recommend you to friends. Thanks again for the best ever process on a mortgage closing!

Julie W.

I see it as the beginning of a lasting relationship. I really appreciate how well you and your staff handled the processing of my home loan. I will stay in touch and refer any friends or colleagues I know that are in the market for purchasing a home.

Amir M.

We settled today! Very exciting. And a HUGE thanks to all three of you for making this process seamless and pain free. This has been the best refinance/service experience I have had in a very long time. It was made even better by the professionalism and efficiency at Client First Settlement. This process has been terrific and your team’s responsiveness and communication have been the best I’ve ever dealt with…and I teach customer service! I will refer anyone I know your way.

Susan S.

I will add you to my list of reliable Lenders, and hope to work with you soon.

RE/MAX Realtor

HOORAY!!! Many thanks, Steve, [and team]– I’ve been extremely impressed with your professionalism and helpfulness throughout this process and I won’t hesitate to give highest recommendations to friends and colleagues seeking financing! Particular thanks for helping me qualify while I still have mortgage on current house. The “overlap” is making the move ever so much less stressful!

Sandy G.

Eric Short! He always made me feel as if I were his only customer. I cannot give him enough compliments, he was outstanding in the help he gave me.

Mr. Desoto

One of the BEST mortgage experiences I have ever had!

Roy B.

Jake is someone I’ve known for years who is extremely competent and professional. My wife and I were very pleased with the level of service he and his time provided, and will certainly look forward to working with him again in the future.

Scott and Kaitlynn, Arlington, VA

I want to thank you and your team for the professionalism you showed during my home buying experience. You and your staff are “top notch” and made what could be a very frustrating experience very easy. You have my highest recommendation and I will definitely seek your services for the next property I purchase.


I wanted to thank you again for your assistance with my first home buying experience. Despite the tight schedule and year-end holiday, you were able to deliver for me. My family are excited about our new home. I appreciate the level of responsiveness and professionalism accorded to me.

Muhamad A.

We worked with Bruce in securing a mortgage for our house in 2011, and we had such a positive experience that we sought out his services again in 2014 for refinancing purposes. I highly recommend Bruce–he is professional, courteous, and responsive.


Thank you so much! We’re extremely excited about our closing tomorrow and that we were able to complete the process on time. Mike and I greatly appreciate all your efforts, the dedication and professionalism First Home Mortgage has shown throughout these past few months, to include your patience and answers to all our questions. Your team was able to thoroughly explain each document associated with the loan/home purchase, and has made first time home buyers like ourselves, understand the procedure easier, and better. It was the attention to detail which you all carry that led us to our final approval, and we couldn’t be more pleased with our results.


I would like to thank you again for all of your hard work in helping me purchase my first single-family home – especially for working so quickly on to close within such a short time frame. I was so impressed with your responsiveness. You helped make me feel at such ease with such a major investment decision.

Layna K.

We closed on our house earlier today and I wanted to take a moment to thank you and your team for making the process smooth and painless. I appreciate both your professionalism and personal service.

Again, thank you for an overall great experience with First Home Mortgage.


They were very friendly, helpful and got my loan done in record time when facing a tough deadline.

Brooke W. Chester, MD

I was very satisfied. I have financed or re-financed several homes and this was by far my best experience.

Patricia J. Centreville, MD

This is our 3rd home purchase and this was by far the easiest and most informative experience we have had with a lender.

Sarah W. Earleville, MD

Our loan closed today to a large extent due to the focus and professionalism of Dinah and her staff. Dinah told us what she could do, and she did it.

Pete W. Chestertown, MD

They were on the ball. All the T’s were crossed and the I’s were dotted.

Jessica M. Centreville, MD

I have dealt with other mortgage professionals and Dinah is head and shoulders above all of them. Friendly, knowledgeable, and resourceful.

John L. Chestertown, MD

Always friendly and very outgoing. Always had nothing but very positive things to say. Always made me feel very important and not just another client … Outstanding customer service. Made me feel very comfortable every time we spoke to one another … Keep up the outstanding job and great customer service! Will always appreciate everything you’ve done for me and making my dream come true!

Sherry M. Chestertown, MD

We worked with Matthew Prehn in 2002 when we first moved back to Virginia from overseas. And then we kept coming back to Matt for the free financing that he included in our original package as mortgage rates kept dropping… and dropping. Each time he was great to deal with and what had previously been a tedious process was extremely easy.

Janice & Orest F.

Matthew has been our mortgage loan officer for years and it’s probably why real estate has been a very, very good thing for us. What’s best about Matthew is that he doesn’t wait for us to decide when to refinance; he’s proactive about getting in contact with us to let us know when the interest rates are low enough for us to take that step. (And when we decide to move, Matthew is our go-to mortgage loan officer for the new house, too.)

Jim E. and Alice J.

We have used Matt for a couple of refinances. The reason we like working with Matt are numerous. First Home’s rates are very, very competitive. Second, he is organized, upfront, and clear. We felt very comfortable dealing with Matt because of his transparency and straightforward nature. Third, he is proactive. When rates fell enough to make sense to refinance, Matt reached out to us. He is always responsive, polite, and respectful. We have not had one misstep, delay, or issue working with Matt. We feel pretty fortunate to be able to call ourselves clients.

John and Daniela Y.

Matt was dependable, reliable, professional, and very responsive to all of our questions throughout the loan process. He literally met his initial closing cost estimate and did an exceptional job delivering our loan approval within days of receiving the appraisal for what ended up being a 2-week closing! Bottom line: Matt confidently delivered all his commitments in a pretty short time with not a single surprise. Sounds like a dream, I know!

Hadi M. & Fereshteh F.

It was a pleasure working with Matt and his team. Matt is professional, knowledgeable, urgent, determined and worked with a ‘customer first’ approach even in the face of snow storms that caused office closures. Matt’s hard work and perseverance got our loan across the finish line. It funded quickly and we received the wire transfer to our bank same day.

Brad & Michelle L.

I am pleased to write this letter for Mr. Matt Prehn and recommend him for his proficiency in the loan area. His domain knowledge is very impressive. He completed my loan process even before the given deadline. He is self-motivated and a go-getter type of person. For processing of my loan, he was taking various responsibilities and managing them exceptionally well. He is a pleasure to work with because his pleasant and positive attitude can make nearly any work seem fast and smooth.

Fatemeh M.

Thank you so very much for the job well done on cases you did for me during the last few months. Both my clients were very happy with your professionalism, on time performance and the cost. I hope we can continue working together on a whole lot of other cases in the future.

Reza R.

Matt Prehn was extremely helpful in buying my first home. From the first day we met until closing, he was professional, considerate of my time, knowledgeable with respect to my situation, and got me to closing without any problems. Matt Prehn comes highly recommended due to his ability to explain loan information and helped me to purchase my home in a short amount of time. GREAT GUY!

Patrick A.

Matt was easy and quick to work with. We shopped around a lot and chose Matt carefully. He gave us a very competitive rate and came highly recommended by our real estate agent. We were very happy with the service!

Greg & Heather M.

Ashley and I wanted to e-mail you and thank you for everything that you helped us with during the mortgage process. We know that we could not have received such great customer service and reliability anywhere else. It was a pleasure working with you and we greatly appreciate the standards that you and your team hold yourselves to. Again, thank you very much for your guidance and assistance.

Justin and Ashley

Glenn and I would like to thank you for everything you did for us. Our closing went very well and we are in the process of moving into our new home. We want to thank you for making this happen for us and being so professional and honest throughout the process. We will never forget the way you watched out for our best interest when we were almost taken advantage of with another bank.

It was a great pleasure working with you and we will definitely recommend you to family and friends.

Glenn & Antoinette

Thank you. You guys are awesome. It was a pleasure and I will keep you in mind for sure.


Thanks for everything!

The other agent would have loved to meet you. She just kept raving about how in all her years she has NEVER worked with a loan officer from the listing agent standpoint that she didn’t have to chase for updates… how she is impressed with your updates. She raved about you to all the other agents in her office.

Juliet, Realtor

The referral wont be the last. It was a gesture of my appreciation for your wonderful service. You and your team were true professionals, transparent and very understanding. As a first time home buyer I appreciate the suggestions and information you provided.

You guys did a GREAT job!


Our offer for a house was accepted with the condition that we’d close in 3 weeks. Todd Pede literally worked night and day getting the mountains of paperwork to us so we could close in time. We were first time homebuyers and he was patient with us and all our questions. It was a great pleasure to work with him. Highly recommended.

Jon B.

I can’t say enough about Todd and what he is willing to do to help his customers and to deliver outstanding service. My closing had to be changed from a Friday to a Monday because I had an unexpected work trip to Haiti and despite having little ability to communicate with me while I was there, Todd still managed to get everything done on time so all was effortless when I returned. He also called me while I was on the runway at DCA to tell me that my loan had been approved. I also admire how Todd took an interest in the work that I do (especially in Haiti). I would absolutely recommend Todd. He takes his work, and your future, very personally.

Roger L.

Todd was recommended to us by our Realtor and we could not have been happier. We made several offers that were not accepted but each time Todd enthusiastically prepared our documents or answered our last minute questions. I specifically remember him traveling over a holiday weekend to see family but still sending emails at 3 am to make sure we were prepared to make a solid offer the next day. He is incredibly knowledgeable about the business and is willing to offer real advice. I recommend him to everyone I know looking to buy a property. I also want to point out that he had me ready to close in 2 weeks with a VA loan! Todd is an excellent communicator, I could always get a hold of him when I needed to and he always returned my emails or phone calls in a reasonable time. If you want a reliable and honest down to earth loan officer, Todd is your guy

Ida T.

I couldn’t speak more highly of Todd. As a first time home buyer, I couldn’t have asked for anyone better. Todd went out of his way to explain the process and my options; he always got right back to me with my (many) questions. Todd was transparent from the get-go regarding fees and costs. What he tells you up front will be what you get at the closing table. No surprises. I would recommend Todd to anyone and will absolutely use him again.

Taylor L.

Todd is one of those rare people I would recommend to anyone with absolutely no hesitation. I needed a loan with just two weeks to close and he made it happen flawlessly. He patiently explained all of my options during our initial call, and his responsiveness throughout the process was impeccable. It’s truly refreshing to know there are still service providers out there willing to do the best possible job for a client. I would definitely seek Todd out for my next mortgage.

Brian W.

Todd was great to work with! He was recommended to us by our realtor, who had worked with him previously and had glowing things to say about him. It was our first condo purchase, so we had a lot of questions and worries, and we were very happy to be working with a loan officer who patiently walked us through everything as we learned. The whole financing process went very smoothly. Todd was pleasant, efficient, and thorough, as well as extremely responsive and helpful when we had questions. I’d recommend him highly!

Elizabeth L.

Over the last two years, I’ve had the opportunity to close several deals with Todd. Without exception he exceeded my client’s expectations. He’s extremely dedicated to his clients and ensuring a seamless transaction. In this business, it’s important to keep lines of communication open, and Todd’s on top of all pertinent deadlines and is in regular communication with his clients and the realtors representing those buyers. Moreover, he’s equipped with several products that are often better than others in the market and is always up-to-date on trends and other industry developments. I’ve been lagging in getting this recommendation up, but was reminded last night around 11pm when he was helping out a client of mine, that I really owed him. That level of accessibility and dedication is something rare in this business and I’m happy to have him on my clients’ side. If you’re looking for a good loan officer that’s value added and not transactional based, look no further.

Justin P. Realtor

In addition to receiving previous excellent ratings, First Home Mortgage was also an approved lender for a DC government program I was interested in, and Todd’s office is really conveniently located in downtown DC. For our first meeting, Todd was extremely accommodating of my schedule and met with me on short notice and one evening after work. Despite it being late, he took the time to go through an expense worksheet with me line by line to make sure I understood all the expenses involved in purchasing a home, which I really appreciated as a first time home buyer. Once I found a property, Todd acted very quickly, locked me in to a great rate, and then was very thorough throughout the rest of the process. He sent me an email each time he processed another part of the loan application, clearly explaining what he was doing and why it was necessary. The loan processor he works with, Darline, was also extremely responsive, professional and helpful. Together, Todd and Darline made what can be an extremely stressful process relatively easy. I have already recommended Todd and First Home Mortgage to friends looking to buy or refinance and will continue to do so

Rebecca D.

We highly recommend Todd Pede as a loan officer. Not only did he provide us excellent service for the purchase of our home, he also contacted us when rates dropped and made us a great deal on a refi that ended up saving us a lot of money on our monthly payment! He’s quick, flexible and very helpful to anyone navigating home purchasing for the first time or as a veteran home owner. We’ll definitely use him again!

Erica S.

I was a first-time home buyer, and I feel very lucky to have worked with Todd to do it. He was responsive and patient through a very complex mortgage process, and I ended up with a good rate. I’d definitely recommend him as a loan officer.

Matthew M.

Amazing! I was most impressed with Todd’s responsiveness. He was available at a moment’s notice to help me through the buying process. Todd balances professionalism with his personable approach. I WILL be recommending him to a friend who is just starting her home search and I am confident he will be able to answer all her questions.

J. S.

You and Tony have made this such an easy and painless process. We can’t tell you how much we appreciate your follow-up with us and encouragement and help all along the way.

Robin and Bill

Kimberly (agent) introduced us to Robert O’Connell, Branch Manager for our Mortgage Company. As we went through this process, Robert set forth to get us the lowest payments, knowing I was the sole provider because my wife’s health prevents her from working. Robert worked the numbers and gave us a mortgage payment that we were comfortable with and we could afford. We were very happy with what Robert had given us! Both Kimberly and Robert were there every step of the way and as we sat down for the final stages for the purchase of the home, Mr. O’Connell surprised us again and our mortgage was now a few dollars cheaper! Working with Kimberly Runkles and Robert O’Connell has been a blessing for my wife and me. We now have our forever home.

Richard and Kathy M.

We are extremely happy to be in our new home. Also, we wanted to let you know how grateful we were to have had the opportunity to work with such nice people at First Home.

Vivian and LaMar

I just told my good friend about how helpful your team has been to me throughout this process. He is considering purchasing a home for his family and I told him that First Home was the place to go. I felt completely comfortable with you and working with your team and knew I was in good hands. Your knowledge, superior customer service, and accessibility were beyond my expectations! Feel free to use this as a testimony for other clients if you want. Thank you! 😀

Dy R.

Just in case anyone’s looking for a mortgage or a refi – We just signed our papers with Bob O’Connell at First Home in the Tindeco Building. Not only a great rate, but he took the time to explain everything and answer all of my questions without making me feel like an idiot. Highly recommend!

Karen Baker Baltimore, MD

Thank you. We were in such good hands and couldn’t have asked for a more professional, talented and fun group of people to work with. We were beyond hopeless six months ago. Not liking where you live and feeling powerless to change it is the worst. Waking up this morning in this beautiful place is beyond a dream come true for us. I just can’t thank you all enough for your encouragement, tenacity, and professionalism.

Betsy B.

You and your staff went above and beyond our expectations to ensure that our mortgage process went smoothly. Aside from answering a million questions, you took time to explain the process, the intricacies, the details, the necessary steps to keep us informed and on track. Jessica and Margie were just as efficient — in follow up, know-how — and were always pleasant, even when hounding us for important documents. And of course, we give you all the credit for helping us to secure the lowest interest rate possible!

While we don’t anticipate purchasing another home for a very long time, we look forward to recommending you to our friends and family.

Caitrin & John H.

I wanted to thank you so much for everything you have done for me during my first home buying process. You always calmed my fears and made this as easy as possible for me.


Thank you for all your hard work, advice, and patience through this process. This is an amazing team and I’m so grateful for you.

Will B.

Bruce provided us with excellent service when we bought our home. He answered all our questions and gave us a great rate. I would recommend Bruce to anyone thinking of buying or refinancing their home.

Brent E. Takoma Park Resident

We were very, very happy working with Bruce Meyers with First Home Mortgage, both for our purchase here and our recent refinance – incredibly reasonable, nice and knowledgeable.

Dan & Katy H.

Bruce, I just wanted to thank you and your staff for helping me through one of the quickest closings known to humankind. You guys were great. Thanks again.

Laura G.

Bruce, Thank you so much for all of your help! You are absolutely wonderful to work with.

Jeannine R.

I have known Bruce since I first got into real estate…1989. He has been my trusted “partner” in this business for many years since. I can count on Bruce to be expert, courteous and efficient. My clients love working with him as I do, and he truly represents the best in this business, going out of his way to help people and respond to their needs in a professional manner. He is honest, ethical and a most decent.

Theresa Immordino, Realtor

Consistently, my feedback from clients has been 100% positive. My clients appreciate Bruce’s no-nonsense approach to putting their needs first in securing the right type of loan for their move, and have always appreciated the extent to which he emphasizes the mortgage as a financial planning tool. In addition, the pattern that I have noticed as a Realtor is that with Bruce, expectations are well-managed and surprises avoided — every transaction where he has been involved has been as smooth as can be, and especially these days, it’s nice to know that the loan is in his hands.

Dan Metcalf, Realtor

Thank you SO much for the lovely Italian gift basket we received from you at the closing this afternoon. How sweet and thoughtful, especially when it is US that should be showering YOU with gifts for all that you have done for us to make this settlement work today. You are really amazing and we truly appreciate your generosity and all that you have done for us to make this work out today. You rock girl!

Anita T.

For the past ten years, I’ve continually gone back to Colleen for mortgages and refinances. She is a top notch professional who cares about her clients. Without a doubt, I’d go back to her again if the need for a refi or new mortgage arises. Colleen is the best thing since sliced bread!

Pamela A.

As always, it was a very easy transaction!!! Definitely, a pleasure doing business with you… And thanks for your patience!!

Sharon A.

Many thanks for helping us out with our refinancing. Everything went smoothly. I will highly recommend you to others when they express interest in refinancing.

Richard D.

I appreciate your working in helping me to obtain my mortgage. It was so much easier than I expected. You were wonderful at answering questions and helping me through the process. I am really grateful that C&D recommended you to me. Also my agent has been singing your praises. I think you will certainly get referrals from him. Again thank you for your help. You made what I think could be an extremely difficult process seem like a piece of cake.

Danna B.

Brooke was absolutely fantastic! It was our first mortgage experience, and she walked us patiently through the entire process. Brooke was always available to answer our questions along the way and kept us on track. My wife and I were on a very tight timeline, and Brooke ensured that we were able to close on time. Everything was completely flawless.

We heard horror stories from friends about obtaining a mortgage, but Brooke made it easy and stress-free. Definitely recommend.

Jameson L.

Brooke Lowry processed the mortgage for our first (beautiful!) home. The process was much more difficult that I initially imagined. Because of new Federal regulations, my fiancée and I had to provide extensive documentation in a short period of time. But Brooke carefully guided us through this process, answering all of our questions while providing both written and verbal guidance, as well as “how-to” documents and tutorials, while never once showing frustration or anything less than a high degree of kindness and enthusiasm. I would definitely recommend her for those looking for a loan officer.

Andre C.

Brooke is top-notch. She was incredibly responsive and made our process go incredibly smooth and error free! Highly recommended.


Brooke was absolutely fantastic! It was our first mortgage experience, and she walked us patiently through the entire process. Brooke was always available to answer our questions along the way and kept us on track. My wife and I were on a very tight timeline, and Brooke ensured that we were able to close on time. Everything was completely flawless.

We heard horror stories from friends about obtaining a mortgage, but Brooke made it easy and stress-free. Definitely recommend.

Jeffrey Y.

Brooke recently assisted me with refinancing my home. She was extremely knowledgeable about the process and explained it to me in a way that I could understand. Brooke’s professionalism and availability to discuss the refinance made me feel comfortable and empowered to undergo the process. I highly recommend working with Brooke for all of your mortgage needs – she exceeded my expectations and was truly a pleasure to work with.

Brittany F.

Brooke was SO great. As first time home-buyers, she was there every step of the way, answering emails and calls anytime we had questions. Not only was she quick to get things going (we needed a pre-approval quickly), but she was extremely flexible. My husband and I both work full time and Brooke was more than willing to meet with us after normal business hours which was a huge benefit and made us even more comfortable. There were no issues and she made the process quite easy, which is not what we were expecting when it comes to mortgages! She walked us through exactly what documents were needed (and why) and kept us in the know the whole way through, up to closing and after (first payment reminder). Definitely recommend her.

Hannah H.

Brooke was fantastic to work with! As a first time homebuyer, it was great to have someone always ready and willing to answer questions. Working with Brooke made the experience. I had spoken with other loan officers who tried to push my budget. I never felt pressured to buy more house than I could afford with Brooke. I also appreciated the time she took to help with finding a homebuyer’s education course and her patience with fielding questions from my mom (who lives with me). I closed on my home over a month ago and have been super busy, but still wanted to take the time to let your company know what an asset you have in Brooke.

A. Johnson

Brooke is amazing! It was our first home buying experience and obviously we had a ton of questions. There was not a single question Brooke could not answer! She replied blazing fast, including late evenings and weekends. She also gave us heads up about all important deadlines and documents. Everything was exceptional! Cannot recommend her enough. Thanks a lot!

Dmitry P.

Brooke is brilliant. It is a real pleasure to see someone do their job as well as Brooke does. As is often the case for buyers in the DC metro area, we were on a fairly tight deadline for financing. Brooke was fast and proactive about all parts of the process to help make sure we would close on time. She systematically updated us. She answered questions immediately, and her explanations were always thorough and crystal clear. She was extremely responsive to all parties, including the real estate agent(s) when necessary. She came to the closing to make sure she could address any final issues if they came up. And on top of all this, we got an extremely competitive rate. I recommend her to anyone, unequivocally.


Thank you for being so professional. You are, by far, the best loan officer I have ever worked with during my 12 year real estate career. The Fleetwood Road transaction went off without a hitch and I directly attribute that result to your hard work and professionalism. Thank you so much!


My husband and I worked with Brooke to purchase our new home and I cannot say enough good things about our experience working with her! Brooke was amazing start to finish. Our home search was a very long process and we considered many different properties before we settled on the one we purchased. Brooke ran the numbers for us every time we identified a property we liked. She gave us accurate numbers, advice, and different financing scenarios each time and was extremely patient explaining the various permutations to us. Brooke was available -seemingly!–at all hours of the day. She was always very quick to respond to our questions (via email or phone). We never realized what a pleasure it could be to work with a loan officer! In a stressful and important situation like purchasing a home, it is really nice to have someone you can count on to make the experience easier. Brooke was just fantastic and I absolutely recommend her!

Lindsey E.

Brooke was amazing throughout our home buying experience. She wrote two pre-approval letters for us (one the day before Thanksgiving and one VERY early on a Saturday morning). She was always responsive and ready to give us solid advice. She talked my husband and I through our financing options and answered all of our questions. The loan paperwork was extremely easy with Brooke and her staff. Everyone on her team made sure we knew what information was needed and followed up with us. We were able to close within 30 days! Brooke attended our closing and was again there to answer all of our questions. My husband and I could not recommend Brooke anymore! Thank you Brooke!

Leah C.

Stephanie is an amazing loan originator. She is very attentive to her client’s needs and provides clear guidance. During my loan process Stephanie was very encouraging and provided excellent support. She let me know all the important information regarding upcoming changes to the loan process. She has a caring approach and is a true professional. After being discouraged by several other lenders Stephanie made my dreams come true of becoming a homeowner. She is truly the BEST LOAN ORIGINATOR EVER.

C. James

Stephanie made our process as first time home buyers absolutely amazing. We were a bit nervous at first but she made everything so easy for us. She was so very helpful from day one, extremely knowledgeable, and explained every little detail. She went above and beyond on several occasions and I would definitely recommend to anyone. A pleasure to work with for sure!

Jaclyn B.

Chris Jordan and his team were absolutely outstanding! The 2013 DC housing market was brutal, and we made offers on 9 properties before finding our home. Each time we asked, Chris Jordan was able to furnish us with an estimated cost sheet and pre-approval within hours. He was incredibly responsive and knowledgeable. A true professional.

I cannot recommend Chris and his team highly enough!

James G. Washington, DC

If you’re looking for a professional and dependable loan officer, Chris is your man. My wife and I spoke with a number of loan officers before reaching out to Chris and none of them met our expectations. Chris did. He responded promptly to email and phone calls, explained clearly what documentation he required to issue the loan, and was flexible in helping us obtain a mortgage based on future (rather than current) income. At every step of the process I felt that we were getting his undivided attention (rather than being treated as simply another number, as can be the case with large banks). Our real estate agent and the sellers’ agent also spoke very highly of Chris. I have since referred him to friends and wouldn’t hesitate to work with him again.

Nik S. Washington, DC

As a first time homebuyer, Chris and his team were very responsive and answered all the questions I had about the mortgage process. It was a very stress free experience as they kept me updated the entire way. The estimated closing costs turned out to be very accurate to my actual closing costs, there were no surprises at closing. Additionally, they had an accurate number of the closing costs about 5 days before closing so I had plenty of time to get an accurate cashiers check. Overall I was very pleased with my homebuying and financing experience.

Scott D. Silver Spring, MD

As a first time home buyer, Chris Jordan made my home loan experience very simplified. He kept me well in advance of all deadlines before closing. He helped me get a VERY low APR. He was always available when I had any questions. If you’re looking for a professional and courteous person to help you navigate through the complexities of securing a home loan, then Chris is definitely your guy!

Michael P. Upper Marlboro, MD

Chris Jordan and his team were absolutely amazing during the home mortgage process. I contacted three brokers at the same time, and while the others provided decent customer service, I connected with Chris because he was extremely personable, patient, and informative about the process. He shared objective information with me to help me in the process. He and his team were so effective and efficient in the process that I was able to close in less than 30 days. Customer service is great – good communication via telephone and email, even on the weekends. I could not have been happier with my home mortgage process and I am so glad I did not go with the other options I considered. I can guarantee you will be happy with Chris Jordan and his team when you choose First Home Mortgage.

Sasha F. Washington, DC

From the beginning of the mortgage process to the end Alex was helpful, efficient, friendly, and willing to answer any and all questions. His professionalism made me feel secure that I was well prepared to make an informed decision and to get the best rate possible. I definitely would use his services again and cannot recommend him highly enough!


Jeffrey Halbert was a pleasure to work with. He is very professional and knowledgeable. He was very patient in answering all of my questions, day or night. He kept me abreast of all developments even when he didn’t have to. I am thankful for all the work that Jeff did for me. I would gladly work with him again and recommend his services to anyone. You won’t be disappointed.

Deidra B. Brandywine, MD

I wanted to let you know you and your team have been a pleasure to deal with. Everything turned out great! The guidance I received, and the updates I received at different stages, will allow me to confidently recommend your services to anyone who asks for a great mortgage Loan Originator. Politics can do what it wants, but the American dream is still alive.

Sandy M.

Thank you both very much for your assistance with purchasing our first home! You both made it pretty much effortless! We will be sure to send you any referrals that we come across. Thanks again!

Brandon & Ashlee

We wanted to thank you for all of your help with the loan process. We are really happy with our new home.

Jessica R. & Scott R.

I couldn’t be happier! Thank you for helping me make a smooth transition!


My husband and I just bought our first home and we were 100% satisfied and happy to work with Marshall Feldman. He was recommended to us by a friend/coworker and after shopping around for the best loan, we quickly realized that Mr. Feldman was who we wanted to work with. He got us the lowest interest rate we’ve heard of anyone getting and was quick and thorough throughout the process. He got us an even lower rate through a special program we qualified for that no other loan officer knew about. We always felt that he was looking out for our well-being and was readily available to answer any questions and discuss concerns. I definitely recommend him to anyone (my sister is now looking for a home and is happy to be working with Mr. Feldman as well) who is financially savvy and looking for a smooth, confident home loan process. Thank you, Mr. Feldman!


The house is amazing! Even with some work that we needed to do there really isn’t anything more perfect for us! It was an absolute pleasure working with you and your team. You all did an amazing job, especially with it being our first home buying experience. I would and will recommend you to anyone I know looking to buy a house in the area. Thank you again for all the help!


The house is great! We’re moved in and busy with painting and unpacking. You and everyone did an amazing job in helping us purchase our first home. The whole process was easier than we thought because of everyone’s help.

Michael and Katey

Marshall, it was awesome working with you again! You helped us buy our first home ever, and now you’re a part of us moving on to something new. If you ever want to get together for the Penn State vs Ohio State games, just let us know.

Jill & Brain H.

We cannot stress how much of a help you were swooping in to rescue us when the other lender had done so many so wrong. Beyond that, you and Heather exceeded our every expectation! Thank you!

Dan and Leslie L.

We couldn’t have been more satisfied. Thank you so much for your time and professionalism. We love our new home!

Colin R.

I am amazed at how fast all the financing moved! It’s hard to believe we’re in this new house when we were just in our old place a month ago. Thank you and your team for helping us again. We have already referred a couple of people to your company.

Gene W.

We highly recommend working with Marshall on securing a home loan. He is personable, straight-forward, timely with communications, and a true professional.

Chris & Jaime

When you buy a house, you know that there is going to be one or more people who will know everything about your financial history. Mark was awesome at helping us to zero in on our budget and give us realistic calculations on what to expect as we signed a contract and closed on a property. He and his team were awesome to work with and made the tedious process of having someone sift through our financial history seem like a breeze.

Jessica and Rich

Mark helped me get pre-qualified very quickly so that I knew what was in my price range and knew the dollars I was working with. Mark was also very helpful as we moved towards closing to make sure I had all my documents in order so I would not be the cause of any delay. Since we closed in 30 days (which seemed fast to me!) he always made sure I was on time with what I needed to submit.


Mark was referred to me early in the search for my first home, and I’m exceedingly glad I found him. Buying a home buying can be incredibly stressful in a competitive area like DC, and Mark’s patience and accessibility were so helpful in making the process as smooth and painless as possible. He helped me maneuver the DC Open Doors program requirements, without which I would not have been able to buy in the city! Between Mark and my wonderful realtor, I feel like I was well taken care of, and when I needed quick approvals and changes made to things Mark never let the ball drop. I would strongly recommend him to anyone.


As a first time home buyer I had so many questions and was extremely hesitant about the process but got so lucky with Mark! He was super responsive to all my questions never made me feel silly and was always willing to go the extra mile to make sure I understood the process.

Anonymous - Homeowner

I couldn’t have asked for anyone better to walk me through the steps of financing my first home. Mark was thorough, honest, and informative. He helped and taught me things I needed to know at every step of the process. I’d unhesitatingly recommend him to anyone!

Anonymous - Client

Mark is extremely helpful and helped me think through all of my options in purchasing my first home. He walked through different types of loans and helped me plan my down payment. I highly recommend him!


Excellent, responsive service. At the end of the process there were some papers missing but they did alert us promptly. He has extensive knowledge in the first time home buyers program which was very useful in our situation.


The best in the business! They are customer service oriented, know their products, and will respond to your questions immediately. The Dulmage Team is dependable and committed to getting your loan approved. Most importantly, they are honest and incredibly nice. I will never use anyone else to do my loans. As I said, they’re the best.

Drita T.

We wanted to let you both know how truly grateful we are to have worked with such wonderful people in this house purchasing endeavor! Your time and effort to get this accomplished didn’t go unnoticed. Thank you two so much for all the time you put in to making owning THIS home a possibility and reality for us! We plan to be there for a very long time! 🙂

L. Johnson

Thank you very much for all your great work … I envy you in a good way because of Jane, she’s simply phenomenal. Thanks again; it was a quick and painless process, and was for sure less than what I’m used to seeing here [at the mortgage company where I work].

Carlos M.

We want to thank you and the staff for all the hard work you did to get this loan for us…The settlement went great…we had some laughs along with the signing of so many papers…we have been singing your praises to all of our friends and family…thanks again for all your help.

Nancy C.

Really good team to work with. They have worked with me all through the loan process and helped us reach our timelines in a comfortable manner. This is one company which answers a question in the shortest time I have seen so far! I would recommend First Home Mortgage for a good home mortgage buying experience.

Frances R.

Thank you for your tireless work, your attention to detail, the good terms that your company gave me in the contract, and also for your willingness to engage with me and answer my numerous questions. I am really appreciative and will be happy to recommend you to friends who may end up buying.

Cathy R.

Thank you so much for getting us through the process in such a short period of time. I am still thrilled and grateful about how it went so fast and not painful at all as how I imagined dealing with a short sale. It was such a great experience working with you ladies since you all are the most helpful and effective real estate agents and loan officers I had ever worked with.

Viet T.

I love that you go above and beyond and contact the listing agent directly to introduce yourself and give him a heads up that the appraisal has been ordered. We really appreciate how proactive you and Kimberly are with things!

Katy E., Realtor

Extremely professional and knowledgeable.

Regina F

I was very pleased with the streamlined process and kind staff. Karen is the best; so kind, honest, and helpful! I would highly recommend Karen over anyone else in the world. That is how hard working and honest she is!

Sohrab B.

Thank you for helping us have a ridiculously smooth transaction. The next time I see your name on a pre-approval letter, just assume we’ll be ratified momentarily!

Koki A., Listing Real Estate Agent

I expected to use USAA as my lender. I expected them to be the best deal; however, Karen and The Dulmage Team came recommended. I worked with Karen to run numbers and learned more about the process than I would have expected. I also did not expect personal attention to be so valuable, but it was. I needed a lot of coaching and Karen gave it. In my research, First Home Mortgage’s numbers were consistently better (as in thousands of dollars) than USAA. Based on Karen’s explanations, and my comparisons, I am incredibly confident that I have the best deal. We appreciate the help Karen provided in the process. The Dulmage Team is professional, and will get my highest recommendations in the future.

Jason K.

I love working with you and your team! I don’t think any lender gives the time and attention to detail that your team does. None of the other lenders that I know of do that little extra bit of care.

Pam L., Real Estate Agent

Always a pleasure to work with you and your amazing team. My clients are very happy! 🙂

Brandi B., Real Estate Agent

Thanks so much you guys for the wonderful Italian dinner basket! And more importantly for making the money part so clear and seamless. It was fantastic to work with you all and we really appreciate all you did to help us feel comfortable with everything. We will totally recommend your team and given another opportunity we would work with you again. thanks so much and we will let you know when the house warming party is!

Karen P.

Special thanks to The Dulmage Team at First Home Mortgage for getting this through VA and out of underwriting in less than two weeks … you gals are THE BEST!

Meg C., Real Estate Agent

All of you are so amazing! I just want to buy more houses just so I can keep working with you! I know I haven’t closed yet, but this by far has been the smoothest process I’ve ever experienced! See you next week, and a huge heartfelt ‘thank you’ in the meantime! I am SO excited!!

Katheryn H.

I thanked John for his recommendation of Karen Dulmage. She worked hard to make sure tings all fell in place for us and my wife told him the same thing. The interest rate she got for us was great. If you ever need someone to handle a mortgage, I would highly recommend Ms. Dulmage!

Charlie K.

Thank you so much for getting this to close so quickly! Everything went very well. We really enjoyed working with you and the team, you made the process so smooth and easy.

Steve J.

I am pleased to commend The Dulmage Team for their outstanding support with my recent closing on a property in Washington D.C. The closing window for this property needed to be complete within only a few days, and your team went above and beyond to make that happen. I would like to especially acknowledge the efforts of Kimberly Sutton, Karen Dulmage, and DJ Farrell for their extraordinary service and professional attentiveness. It was great to see their commitment and enthusiasm for helping me throughout the entire loan process. My agent also noted they did a phenomenal job from start to finish. They truly performed as a team, and I would highly recommend them to anyone in need of a home mortgage

Jason C.

We just wanted to thank you for all of the superb work you did to help make our first home a reality. We are so grateful for the invaluable insight you provided throughout the process. We also want to thank you for the thoughtful housewarming gift! We will whole-heartedly recommend you and your wonderful team!

James and Amy E.

Just a very heart felt thank you to all those who made our mortgage process go so smoothly. You are a first class company!

Richard and Maureen I.

My thanks to you all for your ‘long distance help,’ patience with the mail, and the prompt replies and availability to answer my questions.

Dorothy S.

We are officially DC homeowners! Thanks again for all your help, you really did make the process so much easier for us.

Tarryn H.

Just wanted to say a huge Thank You for all your help and wonderful service throughout the loan process. We can’t thank you enough because this definitely wouldn’t have happened without you. We will be recommending you to everyone!!

Vikas J.

We cannot thank you and your team enough for all you have done to make this go so well. Honestly, this is the smoothest closing we have had in our 46 years of marriage!! Thanks again. You and your team are fantastic!

Ralph and Letitia M.

I wanted to thank you so much for your help. It was truly a pleasure and I am the one who is grateful. When I called you in February I was very annoyed with the bank I had been working with and my mom recommended I speak with you. She was without question absolutely right. You made this process easy, enjoyable, and stress-free. I would recommend you to anyone interested in buying a home. I can’t thank you enough for the help you gave me, the promptness and thoughtfulness of your responses, and the care you took in making sure I was looked after. I would like to say that I look forward to working with you in the future, but it may be a while until I look for another home 🙂 I can’t thank you enough for all of your help

Saif A.

Thank you so much for the address stamp. What a thoughtful and useful gift! We would also like to thank you for the work you did in helping us obtain our mortgage. Your efficiency is amazing. Thanks again for all your assistance in the purchase of our ‘dream’ retirement home!

Jim and Tish M.

[My husband] and I are always grateful to you, not only for assisting in the loan process but also for the financial advices we received from you. No one else could teach us like you did.

Yalda D.

I want to thank you all for such an awesome job you did in preparing and processing our loan. I cannot express enough how satisfied I am with the service I have received. You will definitely be my ultimate loan recommendation to family and friends

Ali and Nazanin T.

You made the financing process so seamless and efficient. You have a great team Karen! Thanks for everything!

Jared P.

Heather was very responsive from the beginning of the process. Her responsiveness made us feel valued and safe. Thanks for helping us through a stressful situation!

Holly S.

I had heard horror stories about the loan process but Heather, Keith and Lisa made everything so easy. They were all very knowledgeable and treated me very well. They were great.

David R.

Heather and her team were professional and responsive, but they were also very supportive and encouraging of me as a first time home buyer. They explained everything very clearly and helped me to feel comfortable throughout the process.

Kathlea V.

I liked how Heather handled the paperwork and explained everything. She made it easy to understand the most complicated stuff.

Saira B.

Thanks a great deal for your professional and courteous guidance and support on this journey. Overall it has been a very pleasant experience, and I wanted on behalf of my wife and I to express our gratitude.

Morrison M.

Thank you so much to everyone on your team! Everything went so smoothly for our closing, even though we had a short time frame. We very much appreciate all your help throughout our long home search. It was all worth it.

Allen J.

Heather and her crew worked hard to give me the best refinance with the least cost.

Donald S.

I appreciate your outstanding customer service, immediate response to requests and excellent answers to questions. You made a complex process quick and easy. Even the ‘one more piece of paper’ was fine. It was a pleasure working with the First Home Mortgage team.

Lynn M.

Heather and her team were great and quick to respond. They were on top of things for us, which is what mattered the most.

Larissa S.

Thank you so much for all of your hard work in closing all of my deals. Without you, I don’t know where I’d be.

Julie H.

Thank you for the wonderful experience in buying my condo. The whole process was so easy and stress-free! You were incredibly helpful the entire time and thank you for coming to closing with me!

Kim V.

We’ve finally settled in and unpacked in our new home. Thank you so much for helping us get here! You made the financial stuff much less scary. We will be sure to recommend you to friends!

Scott B.

Heather and Keith’s willingness to work with my fiancé and I to get the home loan was extremely appreciated. For example: Heather met with us at her office for almost 2 hours going over everything for our loan.

Matthew H.

I am an agent with Coldwell Banker and I do not have enough good things to say about Hillary. She went above and beyond and was there for every step. She worked with my clients for about 6 months just to help them get in a position to purchase. Once she helped get them there she walked through the whole process with us from beginning to end. The whole transaction went absolutely flawless. I will definitely be using Hillary again, I recommend you do as well.


Thank you so much for everything, it was our pleasure working with you. We are all moved in and settling in will take a minute. This is unreal, from a one bedroom apartment to a new home, and this is thanks to you.


Thank you again for your comprehensive checklist. We truly can’t thank you enough for being so clear, informed, and thorough in your approach, it has made this much smoother than we ever expected.

Oliver & Andrea

Hillary was fantastic. She could not have been more helpful. I recommend everyone I know to work with Hillary. My wife and I knew nothing about the process. Hillary guided us through and was very patient. I really felt that I could trust her. She worked very hard, answered and replied to my questions late at night and on weekends. I couldn’t be happier working with Hillary.


We cannot express to you enough how grateful we are for all your help with the house. We thank you for the last year. All of your hard work is much appreciated. We are very happy that we have found our forever home.

John & Paige

Thank you so much for all of your assistance! You were so helpful and have made me feel more confident in starting this process and at ease.


Ryan has guided me through two purchases and several refinancing’s over the years. Ryan has been terrific – he is patient, thorough and always looking out for my best interests. He is willing to put in the time and effort to consider various options and address any concerns or questions I may have. He and his team always deliver great service (and great rates!). I love working with Ryan and highly recommend him.

Michael S.

As a Navy Veteran, I am very appreciative for all of Ryan’s help. He was very knowledgeable with the VA loan process, and provided us very honest and stellar advice. Ryan was referred to us by family as the broker to do business with due to a very stellar success record, and we are so very glad we did. Ryan fought for us to receive the best rate, and was just so very helpful and patient with our home buying experience. No matter the time of day – we were able to reach him, and most importantly we were able to close on time. Highly recommend Ryan and his team!

Lee B.

I just wanted to thank you and your team for a smooth home mortgage process. Everyone was diligent (organized and only asked for info once); accessible (available and patient with our questions); and kind (while rushing to get the paperwork processed during the busy holiday season). I’m glad we were referred to you and happy to pass on your info to our friends.

Michele G.

Ryan and Vendula were fantastic to work with during our home buying process. They were always accessible and answered both the dumbest and hardest questions with ease and professionalism. When I needed someone to go to bat for us, he was there. If I ever need to refinance or buy another house, he will be my first call.

Doug T.

David has done loans for multiple clients of mine and never misses a beat. He goes above and beyond, making sure to communicate loan status and needs and that the borrower is completely informed and on top of things. My clients love him, great guy and great loan officer!

Denny H., Washington, DC

My wife and I recently purchased a new home and were in a tougher than usual spot than most borrowers – only one of us is working at the moment and we were facing some legal issues that ultimately will prove to be nothing but would likely have precluded us from getting a mortgage from any of the big banks. Ryan and his staff were excellent in gathering the needed information and got their arms around our application. We went to closing less than two months after putting our new home under contract. Thanks Ryan and First Home for a job well done.

Paul D.

I am so impressed with your professionalism, expertise and diligence. You drive your business with integrity and honesty. These qualities are not only wonderful to have in a friendship but are especially important when applying for a loan. Thanks for being someone we can trust and count on!

Marly G.

Thanks for all your help. It was a long process but everyone I worked with was wonderful and really helped a new guy learn what had to be done. Thanks again, and I will definitely keep you in mind if anyone needs a reference.


We cannot thank you enough for your wonderful services and helping us secure our new home! We couldn’t be happier – you made the entire process much easier than we expected. We really appreciate you answering all of our questions and easing our nerves along the way. You are a fabulous team and we will highly recommend your services to our friends and family!

Kara L.

I talked to Karen about a loan and explained what I needed and she told me what she could do. All I have to say is that when someone tells me that they can do something and then delivers they have earned my trust for a lifetime. Karen delivered. She earned my trust and that makes her special. Not many people do what they say they will do, but she did. Thank you again Karen

Donald C.

Thank you for a terrific demonstration of professional team play. Welcome to “The Group.” We are confident going forward with you as part of our trusted advisors. We look forward to our mutual success.

Robert Duncan, Sellstate Group Realty

Please accept my compliments and my gratitude for your outstanding representation of First Home Mortgage and how they conduct business. When we first spoke on the phone until the very last day when we closed, you demonstrated nothing but the highest level of professionalism and care for me throughout the entirety of the loan process. Buying a home for the first time can be very stressful or nerve racking and I felt none of the first home anxiety when working with you. Words cannot express my gratitude to you and the experience you gave me buying my first home.

Michael A.

As first time homebuyers, we were unsure of what to expect, but Kate helped us every step of the way. Whether it was constant communication about the changing interests rate, leading us through the preapproval process, or making sure the details were in line before our closing date, she broke down the process and made buying a house the enjoyable life event that it should be. Thank you to Kate Richter and all of the employees of First Home Mortgage!

Joy O. and Dennis H.

Thank you for your hard work, dedication and support in helping us buy our house. It has taken us more than two years to finally conclude our purchase. You have helped and supported us every step of the way. Through many, many houses that did not pan out, the short-sales that fell through, and finally the successful purchase of our home. Thanks for being on top of the process and for your due diligence. We couldn’t have done this without you.

R. & S. Naddoni

Thanks again for all of your help and patience in getting this loan closed so quickly. I knew that you would be, but I am still impressed by the professionalism and responsiveness throughout the process.

Matt T., Title Attorney

We would like to thank you SO much for all your help. We know you did more than was required and we really appreciate your hard work. The house we got was beyond what we expected and at times it seemed it would never be ours, [due to unexpected title issues]. It only worked out because you went the extra mile and made it happen.

Jared C. and Mirina A.

Well established, experienced, and respected mortgage team. Their professionalism, diligence, expertise, and incredible customer service surpasses industry norms. Their working knowledge of the real estate and financing world set them apart from all competitors. And, you can always reach them—I was particularly impressed when working with Karen at 11:00pm one evening. They are ABSOLUTELY, POSITIVELY AMAZING!

Peka W., Settlement Agent

I have used Travis for every single real estate transaction I have ever made. Literally from my first house to my current house including other houses and many refinances in between. Travis’ honesty is beyond reproach, he is easy to work with, and very responsive. I have recommended Travis to many friends and coworkers over the years and they have all been extremely happy. It is very reassuring to be able to use someone you can trust – I would not consider using anyone else for any of my future transactions.

Robert and Angela Stein

I would like to thank the entire First Home Mortgage team for making this a smooth and efficient transaction. We have all heard nightmares about the lending process, but I always felt that your team was trustworthy, supportive, kind and very encouraging. I will highly recommend your service to others and will look forward to our next meeting!

Pam S.

Eric helped me receive all the benefits of being a first time home buyer … he made me feel important.

Chelsea P.

The friendly service, flexible hours, and the fact that they took their time to make sure I understood everything before moving forward, made for a great experience.

Douglas M.

I want to thank you again for your huge help – not only making our mortgage process smooth and easy, but also by being a friend. You probably don’t know how much your advice and your patient kindness meant to us. – I’m really blessed to know you.

M.Z., Washington DC

First Home and you were able to do what other lenders promised but couldn’t deliver. You have the finest Customer Service – companies should emulate FHMC! You and your staff gave us step by step assistance all the way through closing! We will recommend them to all our family and friends.

M.W., Washington DC

As a first-time homebuyer, I can’t thank David enough for his assistance throughout the entire process. He was responsive, helpful, honest, efficient, friendly, patient, and professional. He helped make a somewhat scary process seem much more manageable, and I’m forever grateful to him for that! I was most impressed by how quickly he responded to any inquiry I had, and how he was so “on the ball’ with foreshadowing the next steps of the process and always letting me know what to expect in advance. David also works with a great team, so I am grateful to the others in his office who helped me (including Mitch and Danielle). I highly recommend David Toaff to anyone who is considering purchasing their next home.

Kevin M., Silver Spring, MD

My wife and I have worked with Matt for the last fifteen years or so. With his help we have bought several houses and favorably refinanced many times. Always available and honest, giving us the best financial advice, and trying hard to find the best financial mechanism for us, Matt has completely earned our trust and business. Even our real estate agent was impressed with Matt’s diligence and professionalism and advised us to keep Matt close to our business. I recommend Matt without hesitation.

Mitch and Mia L.

David is one of the most amazing loan officers I’ve ever worked with! He is extremely responsive to all our requests and questions at all times of the day including weekends. He is very diligent and responsive and has helped us many times to submit contracts with short notice. He will find the best deals to suit each one of our clients based on their personal needs and finances. He has a very pleasant personality that puts the clients at ease. He takes the time to explain all the loan products to our clients so our clients can make the most informed decision. For anyone looking for a loan officer, you will not be disappointed going with David Toaff!

Jessica and Kanch Real Estate Team Coldwell Banker - Washington, DC

Ryan and the FHM team are awesome. We had a very fast turn around on our recent purchase, we were worried about hitting the deadlines. Not only did Ryan and Vendula hit every deadline, they were early. The closing was as smooth as can be. I highly recommend them!

Beth E. and Darryl D.

I can’t say enough about how wonderful Ryan was throughout each step of the process! He was very patient with all of my questions, and provided us with numerous options to see what would be the best deal for us. Like many prospective buyers in the hectic DC real estate market, we made several offers before we finally got our dream home. Each time, Ryan patiently provided numerous loan options and quick pre-approval letters, no matter the time of day we made the request. In the end, we had a relatively quick close, and Ryan and Vendula managed to get our loan ready ahead of schedule!

Lisa D.

We were very pleased with Matt’s service and attention to every detail. I was especially appreciative of the time he took to explain the many difficult parts of home financing, and he always had our best interests in mind. And as a veteran, I truly appreciated his knowledge in VA loans, and helping us navigate those nuances to secure a great rate. We have passed his name to several friends already and will continue to recommend him to friends and family who need help with a mortgage or just have questions. Many thanks!

Peter & Tara V.

I have worked with Travis for over 10 years as my go to loan originator for my clients as well as for myself and family. Travis’s availably to serve my clients from first time home buyers with hundreds of questions to the experienced investor that can’t have surprises in the transaction is unmatched in the industry. One of Travis’s character traits I like the best is he tells me and my clients up front what he can and can’t do. I have dealt with many lenders throughout the years from local to large national banks and Travis and First Home Mortgage is at top of my list. Travis has put together a solid team to help serve his clients and realtors alike.

Todd Harris, Long and Foster

Ana and her team are absolutely wonderful! Throughout the whole home-buying process, Ana was always there to help us and address our concerns. It’s been almost four years since we bought our house and we still keep in contact with her. If you are looking for a helpful, caring, and professional mortgage loan originator, the Ana Team is the way to go!

The Plazas

I just closed on my first home, a one-bedroom condo, with David as my loan officer and I recommend him without reservation. From the first day I reached out to him he has been diligent, responsive, patient and supportive throughout the whole process, without at all being pushy or aggressive, as some others in the industry are. Every time I asked him to run through some numbers on a property he would respond literally within a half hour, and often within 10 minutes. He came out to my apt personally from Bethesda to DC just to pick up a document for my convenience. He is very hard working, and he will be at the top of my list for friends who ask my advice for a loan originator. I have already sent one friend of mine his way.

Josh M., Washington, DC

I am a first-time home buyer and was referred to Jake via my real estate agent. Jake was responsive and walked me through the process, which put me at ease. We were able to settle in less than a month and we couldn’t have done it without his great leadership! I would refer him to anyone and had a great experience during what could have been an even more stressful time. He even took time to meet me and my family before my closing on a Sunday. He was always available via phone and email and was clear and succinct in helping me understand the various pieces of the process. Jake and his team were fantastic. Thank you, Jake!

Reeba Takoma Park, MD

Bruce was recommended to me by my realtor, and I soon found out why. Being the kind of person who wants to try to get the best deal when possible, in addition to Bruce I also contacted another local lender to see whether I could get more favorable terms from either one of them. It turned out that both First Home Mortgage and the other lender were able to offer me essentially the same loan terms so I was unable to make a choice of lender on that basis. As a result, it came down to the lender who provided me the best service in the process of applying for the loan. Whenever I had a question for Bruce and either texted him or sent an email message, he was always right back in touch with me in very short order. I did not get the same prompt responses from the other lender. In addition, Bruce was always careful and detailed in explaining to me what things were and how they worked. He never assumed that I would necessarily be familiar with a term or a procedure, so he always took the time to ask me whether I was and would explain when I needed him to. The bottom line is that Bruce made me comfortable as his client because he made me confident that I was working with a capable professional who was looking out for my best interest. I will definitely recommend Bruce to anyone else I know who is looking buy a new home or refinance a current home.

Mike H.

Ryan and his team made it very easy for us to obtain a home loan. Ryan was very open about the process and educated us on the topics that we need to know. His team really helped us get our documents in line and worked with us with challenging issues. I would recommend anyone needing a home loan, his temperament is really perfect for a very stressful process. Call Ryan if you need a loan!

Joshua M.

As a first time homebuyer, I could not be happier with the excellent service and guidance by Ryan and Vendula at First Home Mortgage. They made the process feel simple and straight forward with DC’s Open Doors program and went out of their way to answer questions and find me the best home insurance quote.

Walla E.

David was extremely helpful, has a wealth of knowledge and was extremely responsive to all my questions. He made my experience of buying a home for the first time not as scary as I thought it would be. I recommend him wholeheartedly!

Keith C., Washington, DC

I want to express my sincere thanks for you going the extra mile when assisting in the refinancing of my home. I was thrilled that you were able to work around my military deployment schedule and the other issues that arose.

J. Leonard, Washington D.C.

“Thanks again for all of your help and patience in getting this loan closed so quickly. I knew that you would be, but I am still impressed by the professionalism and responsiveness throughout the process.”

Matt T., Fairfax, VA

As first-time home buyers, my wife and I were particularly apprehensive about the loan approval process. Thankfully, Travis Vollmerhausen was there to answer all of our questions. He told us what to expect and helped us better understand the new landscape in mortgage financing. Travis and the entire First Home Mortgage team were extremely courteous, responsive, and professional. If you’re looking for a team that treats your family like their own, give First Home Mortgage a call today.

Saj P.

Thank you so much for your help and guidance through out this loan process. You’ve certainly done an above and beyond job and I’m thankful for choosing you and your team in my home buying process. It has been a bit stressful since buying a home isn’t easy with the amount of paperwork and qualifications but you’ve done a great job smoothing out the process and have communicated with me with all questions quickly. I will definitely keep you and your team in mind for people whom I know are in the home buying process. If I need anything I will let you know and thanks for being available to answer any questions I may have even after closing.

Alex M.

I have developed close relationships with lenders over time but recently met David and was impressed by his burning desire to be a successful loan officer & his knowledge of the mortgage business. Everyone needs “a chance” so I gave him a loan. He did an outstanding job. Followed through on every detail & had full loan approval in a very short time. Since then he has completed more transactions for me and all my clients were equally impressed. People tend to go with either a beginner or a winner, with David you have both!

Rob Ramoy, Rob Ramoy & Associates

I have worked with Eric before and he has always been prompt, professional, courteous, honest and a pleasure. I really liked when I called I was able to speak to Eric directly. That makes me feel like a valued customer.

Angela N.

Dinah and Jen were both a pleasure to work with. Dinah was very understanding and patient as this was our first home purchase ever. We felt like we were in good hands.

Rallie & Joan K. Denton, MD

Our agent recommended that we contact Matthew instead of continuing with our prior lender. We explained our scenario, closing date for current and new home and asked if Matthew could help us meet our deadlines and frankly discuss all of our lending options. We could not have been more pleased. We closed on both houses timely and Matthew delivered as promised. Having gone through two application processes in such a short time frame, I can say that Matthew offered far more professional, knowledgeable and expeditious service than we received from the larger banking institution. We will definitely be recommending Matthew to friends and family in the future.

Sarah and Johny R.

Thanks, Colleen. Since you helped us buy our house in 2004, you’ve been wonderful to work with and have been so helpful with your guidance as to whether or not it’s been in our best interest to refinance, and when it has been, you’ve been great!

Dave K.

Jeff, thank you so much with all your help in purchasing my new home! Your knowledge and professionalism kept me at ease throughout the whole process. As a first time home buyer with not the best credit, you handled my needs with tact and care. You went above the call of duty to ensure that I would qualify, from working with each credit bureau to rescore my credit, to answering questions even once the settlement was complete.

Stacey R. Waldorf, MD

As a Washington, DC based real estate agent I cannot recommend Ryan more highly. Over the last 3 years he has moved to the top of my list of recommended loan officers for my buyer clients. Ryan is responsive, knowledgeable, helpful, friendly and always works hard to get my clients into the right loan product. He and his assistant Vendula are organized, efficient and communicative. Every client I have referred Ryan to has been very happy with him and the smooth sailing loan process he oversees. And no matter the loan amount, big or small, he works equally hard to insure that deadlines are met and closing happens as scheduled. If my client works with Ryan I know the deal will get done. I trust him completely!

Leslie D.

Ryan did a fantastic job helping me with my mortgage loan. He is responsive, knowledgeable, and always kept my best interests in mind. In particular, he referred me to another lender for a second mortgage when he found a loan product that better suited my needs. Ryan and his team are a pleasure to work with, and I recommend him to anyone looking for a home loan

Ben M.

Ana has been amazing for us. While we were struggling with our unresponsive Credit Union, we found her through the recommendation of a friend. She finished our application within an amazing 10 days. She even got us a better rate, allowing us to take advantage of an announcement by the Fed. Highly recommended.

Anil Z.

I would definitely work with Ana again and recommend all of my friends and family to work with her team. She got us pre-approved in a matter of hours, and made the home buying process as easy as possible. She is extremely knowledgeable about the market and helped us to secure a great interest rate. Ana was a pleasure to work with because she’s responsive and responded to my emails and questions at all times of the day. I am so glad that I chose First Home mortgage as a first-time home buyer because Ana and her team took away all of the nervousness of buying a home for the first time. My home buying experience was a dream instead of a nightmare! Highly recommend!


Jake made a confusing process very easy and I was glad to have him available to answer questions and help us with our first home buying experience. He was very professional and thorough and I would highly recommend him.

Kait Arlington, VA

I have had the pleasure of working with Bruce and his team for a little over 5 years. Being a first time home buyer, the whole process can be a bit overwhelming, but his team made it very simple by laying everything out for me and explaining the process each step of the way. Bruce continued to keep in contact through the years so I always knew he genuinely was looking out for my best interest. Years later, when the timing was right, Bruce showed me how a refinance would make sense by picking the option that was best suited for my long-term goals and was even able to shave off years off of my mortgage without an increase in cost. It has been a great pleasure of mine to work with him and I look forward to working with him for many years to come. I’d recommend his team to any of my friends and relatives.


I had the pleasure of working closely with Matt for several years as business partners. During the time that Matt serves as the Mortgage Representative for my branch we were consistently far above goal and this can only be attributable to Matt’s hard work. Thankfully, over time our relationship grew beyond wok and I’m still happy to call him a trusted friend.

Phil H.

As a first time home owner, I had a wonderful experience working with Brooke. I knew nothing about home financing, and Brooke talked me through every step of the process. She answered all of my questions – regardless of how important or silly they might have seemed. I had a family emergency the week of my closing, and Brooke ensured that everything was wrapped up smoothly – I didn’t have to worry about a thing. She has continued to be a great resource during my first year of home ownership. I highly recommend working with her in the future!

Sarah C.

Heather, Lisa & Keith: Thank you so much for all that you did to help me purchase my new home!!! you are a great TEAM!!

Stephanie B.

Working with David has been a dream, especially since I am a first-time homebuyer. I plan to use the Maryland Mortgage Program and its down payment assistance, and David is very knowledgeable about that product, and provides great advice. He get offer letters over in a matter of minutes from our request, and is meticulous about everything. I’m definitely in good hands with David.

Krystil S., Kensington, MD

We can’t recommend Travis highly enough. He has assisted us with two home purchases, a sale, and two re-financings over the past seven years and, without exception, our transactions have gone smoothly and quickly, with Travis and his team keeping us informed every step of the way. Travis takes the time to understand what our goals are and provides excellent strategic advice about how to achieve them, explaining the mortgage market and the home loan application process in terms easy for the layperson to understand We would never consider a real estate transaction without him!

The Connollys

Hillary went above and beyond to make sure I understood everything I needed in order to purchase my first home. I would highly recommend her to everyone I know. She was always available to answer my questions and made sure to update me throughout every step of the way.


Most people don’t think about differentiation between originators, but in the case of mortgage originators in the DC area, there is a real difference. Travis handled my home loan closing in 2004 and he put me and my wife completely at ease w/ respect to our home loan process. He has subsequently handled two more home loans for me and one home refinancing; he has also handled several home loans for my family. Each time, I have done my diligence w/ additional quotes, but his quote has always been at or below other banks. I will remain committed to Travis because of how he handled my loan during the financial crisis. He was very honest w/ me about what was going on in the market, proactively kept me up-to-date about new standards, underwriting processes, loan costs, etc. and ultimately delivered. Travis is more than a loan originator – he’s a financial partner and I highly recommend him and his team.

Eric and Savena Allen

David was a pleasure to work with! As a first time home buyer I didn’t understand all the process for obtaining mortgage loan and the different options that were available to me. He was very helpful in advising me about the different options and the pros/cons of all them. I can’t stress enough how communicative he was throughout the whole process. He would quickly update me on the latest interest rate developments, he would quickly run numbers when I had a request, and he was fast on requesting/providing necessary documentation. The process was a very smooth one, I felt that I could trust him throughout the whole process and I know that a lot of it was because of his professionalism. I will recommend him to friends and colleagues.

Ale F., Washington, DC

Thank you for all the guidance and explanation of everything that was happening Tony. I truly appreciate the support from you and the team. It made the entire process much easier and go smoothly as I knew nothing about what was doing.


As a Realtor in the greater DC area, my buyer clients have had tremendous success when they work with Ryan Angier. He is thorough, professional and personable through what is often a very stressful situation – buying a home. He communicates well with the borrowers and with me as the buyer’s agent and finds the perfect fit between loan product and the borrower’s situation. Always ahead of our contractual timelines including settlement date, my buyer clients and I know we can count on Ryan and his team. I strongly endorse him as a mortgage loan officer.

Lisa L.

Matt Prehn was my loan officer for a refinance I did a few years ago. Matt made the process simple and stress-free. He coordinated all of the details which included the appraisal and all the paperwork and other items required. I highly recommend Matthew Prehn if you ever need a loan officer for a new home or a refinance. I know I will be sure to use him again if the need ever arises.

Rick A.

Travis has been so helpful! This past summer we decided to go after our dream house. After working with Travis on our first house, we knew that he should be our first call this time around. He works so quickly, which is great given the current market. We called on a Friday and had a pre-approval letter that weekend. He really made us feel taken care of by answering all of our questions and walking through every step. While we’re not looking to buy another house for a long time, I would definitely recommend Travis to anyone.

Katie and Adam Mencarini

Dinah was extremely responsive and knowledgeable at all times.

Erica N. Worton, MD

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