About Us

Personalizing The Home Loan Process

From application to closing, we are committed to providing the right loan to finance your home.

First Home Mortgage Corporation is a licensed, full service, residential lender. Our dedicated loan officers guide borrowers throughout the entire mortgage process and offer continued support long after a loan has closed. We take the time to understand the needs of our clients in order to find the best solutions, whether it’s a first time buyer or experienced owner.

Beginning in 1990, with two offices and a handful of employees, our founder and CEO, David Waters, was dedicated to a common vision to stay independent and provide superior service.

Since then, we have grown into a financial institution of 44 offices serving 21 states in the North Eastern, Mid Atlantic, and Southern regions.

Although First Home Mortgage continues to expand service locations, each of our locations is deeply rooted in their community and committed to helping local borrowers.

Each member of our team is focused on delivering customer service that not only fulfills goals, but exceeds expectations.

In the end, we provide the mortgage you need to make “Home” happen, but it’s the people who are always “First”.

Our Mission

First Home Mortgage Corporation is committed to improving the quality of life for all customers and employees.

This will be attained by:

  • Providing superior service
  • Seeking to constantly understand each other’s needs
  • Promoting community involvement
  • Developing mutual trust, which will be the foundation for all relationships
  • Requiring excellence and integrity in everything we do

Company Culture

At First Home Mortgage, our culture is based on the simple belief that everything we do is to improve the lives of the people we serve – our customers, partners and employees.

We understand that our purpose goes far beyond loan origination. We are here to help the home buyers in local communities achieve homeownership. With this mission in mind, our Loan Officers take the time to understand the financing needs of each client, outline the right loan programs, and make themselves available as mentors throughout the entire mortgage process. It is this personal approach that allows us to maintain such a high quality of service.

First Home Mortgage has built a reputation among business partners as being efficient, responsible and forthcoming. We keep all of our stakeholders informed during a transaction and deliver results, helping our partners succeed. The care and consideration we take in our lending practice is the reason why so many partners trust us with their clients.

The dedicated team at First Home Mortgage is our greatest asset. We value each employee and continuously provide a supportive atmosphere within our corporate office as well as our branch locations. Together we work to provide the best experience for our borrowers, which is why First Home Mortgage never hesitates to invest in our employees and their future.

See What Our Satisfied Customers Say About Us!


Heather and the team at First Mortgage were true partners in our home buying process and an invaluable resource as first time buyers. Absolutely fantastic.

Chris N.

“I jumped on an opportunity to purchase a rental property over the 4th of July weekend. Mark was quick to respond and since this was my first time buying a rental property, he was able to help me walk through the process. It was a great experience!”


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

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.

“Andrew made our first home buying and subsequent refinancing experience fantastic! He is always checking in to keep us current with rates that are available tailored to our specific needs, and he also just checks in to remind you he is working in the background on your behalf with a nuance not seen with other mortgage lenders. It just seems a bit more personal with Andrew, so we stick with him!”

Joseph Pasadena, MD

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 don’t usually do surveys or rave about lenders…but Jessica is hands down the best mortgage broker I’ve worked with over the past 25 years. This has been the smoothest experience in over 15+ purchases/refinancings. She will troubleshoot issues and go the extra mile to help you close the transaction. I could not recommend her or her team more highly.”

JH Upper Marlboro, MD

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.

As a first time home buyer, I was very nervous about the process. Heather made it seamless from beginning to end — and got us a great deal! If you’re looking for a true professional, go to Heather.

Megan F

“Matt was the ultimate professional during the whole process of purchasing our new house. He made himself available at all times and had answers to all of our questions. He went out of his way to facilitate us during the most stressful times of the process. I will be using him again if possible in the future.”

West Warwick, RI


With offices in most states up and down the eastern seaboard and around the Midwest, First Home Mortgage is well situated to serve you and your home finance needs.

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We pride ourselves on excellence and service; our awards demonstrate our commitment.

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Our leadership team is singularly focused on giving you the best home financing experience possible.

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Our team is comprised of talented mortgage professionals who are offered continued support and guidance.

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