Author: Emily Gregory

The Golden Ticket: Make a Cash-Style Offer Without Being a Cash Buyer

Posted on by Emily Gregory

You found the one.
Perfect location. The right price. Everything you’ve been looking for. 

But in today’s market, finding the right home is only part of the equation. 

Cash is king.
It wins bidding wars.
It moves faster.
And it gives sellers confidence. 

That’s why so many buyers miss out—not because they can’t afford the home, but because they can’t compete with the speed and certainty cash provides. 

So what if you could? 

What if you could make an offer that feels just as strong—without being a cash buyer? 

That’s exactly what the Golden Ticket was designed to do. 

A Smarter Way to Compete 

The Golden Ticket was designed to give buyers a real advantage in competitive situations. It’s a short-term financing solution that allows you to make an offer that feels like cash to sellers, while still planning to move into a traditional mortgage after closing.

Buy fast now. Refinance smart later. 

How It Works 

Step 1: Get fully approved
You are approved upfront for both your short-term Golden Ticket loan and your long-term mortgage.

Step 2: Make a stronger offer
With financing already structured, you can move quickly and present a clean, competitive offer.

Step 3: Close with confidence
After purchasing the home, you make interest-only payments for a short period.

Step 4: Transition into your long-term loan
Before the end of the term, you refinance into your permanent mortgage. 

What This Looks Like in Real Life 

A buyer finds a home on Thursday, submits a strong offer on Friday, and positions themselves as a reliable, low-risk choice for the seller. Instead of waiting, juggling timelines, or missing out, they move forward with confidence.

That speed and certainty can make all the difference. 

Why This Changes the Game 

The Golden Ticket helps solve one of the biggest challenges buyers face today: timing.

With the right strategy in place, you can:
– Compete with cash offers
– Buy before selling your current home
– Move quickly when the right opportunity comes up
– Reduce the stress of lining up multiple moving pieces

It’s not just about financing. It’s about creating flexibility and control in a fast-moving market. 

Who It Works Best For 

This approach is especially helpful if you:
– Need to purchase before selling your current home
– Have lost out in multiple-offer situations
– Are relocating on a timeline
– Want more negotiating strength without liquidating assets
 

Where This Makes a Difference 

In today’s market, preparation and positioning matter more than ever. 

The Golden Ticket gives buyers a clear path to act quickly, present stronger offers, and move forward with confidence. 

For those planning a purchase, having the right strategy in place early can make a measurable difference. 

A Homebuying Advantage Earned Through Service

Posted on by Emily Gregory

For those who have served, the VA loan is more than just another financing option. It is one of the most powerful and flexible paths to homeownership available today.

Yet many eligible buyers don’t fully understand how impactful this benefit can be.

What Makes a VA Loan Different?

VA loans were designed to remove some of the most common barriers to homeownership. Unlike many traditional loan options, they offer features that can make a meaningful difference in both upfront costs and long-term affordability.

For many qualified borrowers, this can include:

  • No down payment requirement
  • Competitive interest rates
  • No monthly mortgage insurance
  • More flexibility when it comes to qualifying

This combination allows buyers to purchase a home while preserving their savings and maintaining financial flexibility.

Keeping More Cash Where It Matters

One of the biggest advantages of a VA loan is the ability to buy a home without needing a large upfront investment.

Instead of putting significant cash toward a down payment, buyers can keep those funds available for:

  • Moving expenses
  • Home improvements
  • Emergency savings
  • Everyday financial stability

This can be especially important during times of transition, such as relocations or major life changes.

Built for Real Life Transitions

VA loans are uniquely suited for borrowers navigating change. Whether it is a PCS move, returning to civilian life, or purchasing a home after years of service, the program is designed to provide stability during those moments.

The flexibility built into VA financing helps make the process more manageable, even when timelines or circumstances shift.

Not Just for First-Time Buyers

There is a common misconception that VA loans are only for first-time homebuyers. In reality, eligible borrowers can use this benefit multiple times, depending on their situation and entitlement.

This makes it a long-term resource, not just a one-time opportunity.

Is a VA Loan the Right Fit?

Every homebuyer’s situation is different, but for those who are eligible, a VA loan is always worth exploring.

Understanding how it works and how it compares to other options can open the door to opportunities that may not have seemed possible at first.

If you or someone you know has served, this benefit was earned. Taking the time to understand it could make all the difference in your homebuying journey.

 

First Home Mortgage Recognized as a Top Performer by the Maryland Mortgage Program

Posted on by Emily Gregory

First Home Mortgage Corporation continues to earn statewide recognition for its impact on homeownership across Maryland, taking home multiple honors at the 2025 annual partner awards hosted by the Maryland Mortgage Program.

The Maryland Mortgage Program has spent more than four decades helping primarily first-time buyers access stable, fixed-rate financing along with down payment and closing cost assistance—and in many cases, student debt relief through its SmartBuy initiative. In a housing market where affordability remains one of the biggest barriers to entry, programs like this are not just helpful—they’re essential.

Against that backdrop, First Home Mortgage stood out in a major way.

Recognized as Top Performing Lender

First Home Mortgage was named Top Performing Lender, the program’s highest distinction for production leadership and commitment to expanding access to homeownership across Maryland.

This recognition reflects more than volume. It highlights consistent engagement with borrowers who benefit most from structured assistance programs and careful loan guidance.

First Home Mortgage’s impact was also reflected in individual recognitions:

  • Tammi Printz was honored as a Top Producing Loan Officer
  • Ryan Paquin was named a Top Producing SmartBuy Loan Officer

According to remarks shared during the awards event by Jake Day, the Maryland Mortgage Program continues to help thousands of residents achieve homeownership each year, averaging roughly $1 billion in annual mortgage reservations and supporting more than 3,000 homebuyers in Fiscal Year 2025 alone.

Recognition at this level signals something important: meaningful participation in affordable homeownership programs doesn’t happen by accident. It requires alignment between lenders, borrowers, and public-private housing partnerships.

First Home Mortgage’s continued presence at the top of the program’s performance rankings reflects exactly that kind of alignment and a sustained commitment to helping more Maryland families step confidently into homeownership.

Celebrating Our Washingtonian Best Mortgage Professionals

Posted on by Emily Gregory

Each year, Washingtonian recognizes the region’s top mortgage professionals based on feedback from industry peers who know firsthand what it takes to guide clients through one of life’s biggest financial decisions.

We’re proud to share that multiple members of the First Home Mortgage team were named to the Washingtonian Best Mortgage Professionals list, with several also recognized as Elite Producers across Platinum, Gold, and Silver tiers.

These honors reflect what we see every day across our team: deep expertise, strong relationships, and a commitment to helping buyers, homeowners, and partners navigate the market with confidence.

Best Mortgage Professionals (Survey-Based Recognition)

  • Matt Cox
  • Joe Dawson
  • Heather Devoto
  • Alex Jaffe
  • Rob Mercer

Elite Producers – Platinum

  • Heather Devoto
  • Ryan Paquin
  • Bradley Restivo
  • Jason Lerner
  • Christopher Edge
  • Ayaz Rahemanji

Elite Producers – Gold

  • Alexander Jaffe
  • Charlie Latimer
  • Jason Nader
  • Tammi Printz

Elite Producers – Silver

  • James Moran
  • Harry Manley
  • Joseph Dawson
  • Dolph Hegewisch
  • Ryan Kurrle
  • Erin Johnson
  • Courtney Ficken

Awards like these are especially meaningful because they’re peer-informed and performance-driven. They reflect the trust our loan officers have built not only with clients, but also with the agents, partners, and professionals they collaborate with every day.

Even more exciting is the breadth of representation across our team. Seeing so many First Home Mortgage professionals recognized across multiple award tiers speaks to something bigger than individual success. It highlights a culture built around consistency, responsiveness, and results.

Behind every recognition like this is a network of processors, assistants, operations teams, referral partners, and clients who make the work possible. We’re grateful to be part of a community that continues to raise the bar for service across the region.

Congratulations to this year’s honorees 🎉 Your dedication to your clients and partners continues to make a difference every day—and we’re proud to have you representing First Home Mortgage.

What the 2026 Trigger Lead Legislation Means for Homebuyers

Posted on by Emily Gregory

Starting March 5, 2026, a new federal law called the Homebuyers Privacy Protection Act takes effect, bringing significant changes to how consumer credit information can be used during the mortgage process.

If you’ve ever applied for a mortgage and suddenly received a flood of calls, emails, and mailers from lenders you’ve never heard of, you’ve experienced the effects of trigger leads. The new law aims to limit those practices and give homebuyers more control over their personal financial information.

Here’s what the new legislation means for you as a borrower.

What Are Trigger Leads?

Trigger leads occur when a consumer’s credit is pulled for a mortgage application. Credit reporting agencies may then sell that information to other lenders, signaling that the borrower is actively shopping for a home loan.

Because of this, borrowers often begin receiving marketing calls and offers from other lenders almost immediately after applying for a mortgage—even if they never contacted those companies.

For many homebuyers, this can be confusing and overwhelming during an already complex process.

What the New Law Changes

The Homebuyers Privacy Protection Act updates federal regulations around how credit information can be shared and used for mortgage marketing.

Under the new law, restrictions are placed on when and how trigger leads can be used.

Key changes include:

Stronger privacy protections
Credit reporting agencies will face tighter rules about selling trigger lead data connected to mortgage credit inquiries.

Limits on unsolicited outreach
Lenders who do not already have a relationship with the borrower will have fewer opportunities to contact consumers based solely on a credit inquiry.

Greater borrower control
The legislation is designed to reduce unwanted solicitations and give consumers more control over how their financial information is used.

In short, borrowers should experience fewer unexpected calls and messages after applying for a mortgage.

What This Means for Homebuyers

For many buyers, the most noticeable change will simply be less noise during the mortgage process.

In the past, applying for a loan could trigger dozens of calls or emails from lenders competing for the same business. Under the new rules, that experience should become far less common.

This allows borrowers to:

  • Focus on working with the lender they selected
  • Avoid confusion from competing offers
  • Maintain greater privacy during the homebuying process

The Bottom Line

The Homebuyers Privacy Protection Act represents a major shift designed to protect consumer data and reduce unwanted marketing during the mortgage process.

Beginning in March 2026, borrowers should experience a more private and streamlined mortgage journey, with fewer unsolicited calls and offers triggered by credit checks.

While the legislation changes how lenders can reach potential borrowers, it also reinforces something that has always been important: preparing financially before beginning the homebuying process can make the experience smoother and more successful.

First Home Mortgage Named One of Mortgage Executive Magazine’s Top 50 Best Companies to Work For

Posted on by Emily Gregory

We are proud to share that First Home Mortgage has been named one of Mortgage Executive Magazine’s Top 50 Best Companies to Work For in the mortgage industry. This recognition is especially meaningful because it reflects the feedback and experiences of the people who make our company what it is every day.

Each year, Mortgage Executive Magazine surveys loan officers and mortgage professionals across the country to evaluate companies based on culture, leadership, support, technology, and overall employee experience. The results highlight organizations that are truly investing in their people and building environments where professionals can grow and succeed.

For us, this award is about our people.

From the beginning, First Home Mortgage has focused on relationships. We believe strong companies are built on strong communities, both inside and outside the organization. Our goal has always been to support great people, give them the tools and resources they need, and trust them to take care of the clients and partners we serve.

Across every branch and market, our teams stay active in their local communities. Whether that means volunteering, supporting local organizations, sponsoring events, or building meaningful partnerships, our employees bring our mission to life every day. We are not just present in our communities. We are part of them.

We also work hard to create a culture that feels supportive and connected. First Home has always had a family feel, where people celebrate wins together, lean on each other during challenges, and stay focused on delivering a great experience. When people feel valued and supported, it leads to stronger service, better partnerships, and long term success.

As our President Matt Nader shared, “I am proud of the culture we have built and the people who make First Home what it is. This recognition belongs to our team and reflects the way they care about each other, our clients, and our communities.”

We are grateful for this honor and for the employees, clients, and partners who continue to support First Home Mortgage. As we look ahead, our focus remains the same. We will continue investing in our people, strengthening our communities, and building a culture where everyone has the opportunity to grow.

Because at First Home Mortgage, success is measured in relationships.

What’s Driving the Market Right Now

Posted on by Emily Gregory

There is a lot happening in the global economy, and several key factors are influencing interest rates and the housing market. Here is a simple breakdown of what to know.

Global Conflict and Oil Prices

The conflict involving Iran is currently the biggest focus for investors. The main concern is not just oil production, but the potential disruption of trade through the Strait of Hormuz, a route that carries a large portion of the world’s oil supply.

If this conflict continues or escalates, oil prices could rise, which would increase costs across the economy and add pressure to inflation. So far, markets appear to have expected some level of tension, which is why the reaction has been more measured than many anticipated.

Inflation Remains the Biggest Focus

Despite global uncertainty, interest rates have moved higher rather than lower. In typical situations, investors move into safer assets like U.S. Treasuries, which helps bring mortgage rates down. However, inflation remains the primary concern right now.

Recent data showed inflation running slightly above expectations, and rising oil prices could make inflation more persistent. Because of this, markets are becoming less confident that the Federal Reserve will cut rates in the near term.

Tariffs and Policy Uncertainty

The Supreme Court recently ruled that the legal authority used to implement certain global tariffs was unconstitutional. While new tariffs have been introduced under a different authority, there is still uncertainty around future trade policy, existing agreements, and the fate of previously collected tariff revenue.

Markets generally do not like uncertainty, but this issue has been discussed for months, so the reaction has been relatively calm so far.

What the Federal Reserve Is Watching

The Federal Reserve is closely monitoring inflation and the labor market. Upcoming employment reports will be especially important in determining the direction of future rate policy. Most analysts do not expect a rate cut at the next Fed meeting.

Housing Policy and Supply

Several housing proposals have been discussed, including longer-term mortgages and limiting institutional investors in the single-family home market. While these ideas may help at the margins, most experts agree they will not be a major solution to the housing supply shortage. That issue is driven by long-term factors and will take time to improve.

The Bottom Line

Markets are currently balancing inflation concerns, global conflict, and policy uncertainty. While volatility may continue, the long-term outlook will depend on inflation trends, energy prices, and overall economic strength. Staying informed and focusing on long-term goals remains the best approach in today’s environment.

Fixed vs Adjustable Rate Mortgages: What’s Best in Today’s Market?

Posted on by Emily Gregory

Choosing between a fixed-rate mortgage and an adjustable-rate mortgage (ARM) is one of the most important decisions Maryland buyers will make in 2025. The right choice depends on your financial goals, how long you plan to stay in the home, and where the market is headed.

Let’s break it down.

What’s a Fixed-Rate Mortgage?

A fixed-rate mortgage keeps the same interest rate for the entire loan term.
You benefit from:

  • Predictable monthly payments
  • Long-term stability
  • Protection from future rate increases

It’s ideal for buyers who plan to stay in their home long-term.

What’s an Adjustable-Rate Mortgage (ARM)?

An ARM typically starts with a lower interest rate that adjusts after a set period.
Benefits include:

  • Lower initial payment
  • Potential short-term savings
  • Flexibility if you don’t plan to stay long
  • However, the rate can change after the initial term — meaning future payments may increase.

The Maryland Market in 2025

Many Maryland buyers are weighing:

  • Rising home prices
  • Potential rate shifts later in the year
  • Job growth in major metro areas
  • Increased demand in counties like Anne Arundel, Frederick, and Howard
  • Whether a fixed or ARM makes more sense often depends on how long you plan to own the home.

Expert Advice

Fixed-rate mortgages tend to make sense for long-term Maryland buyers, while ARMs can be strategic for short-term plans or buyers expecting income growth.

A Maryland mortgage expert can walk you through both options so you can feel confident in your long-term financial decision.

👉 Schedule a free mortgage strategy session to compare your fixed and ARM options with a Maryland expert.

7 Mistakes Maryland Homebuyers Make When Choosing a Lender

Posted on by Emily Gregory

Even savvy homebuyers can fall into traps that cost time, money, and sometimes their dream home. Maryland’s housing market moves quickly, and choosing the wrong lender can create avoidable setbacks.

Here are the top mistakes we see — and how to avoid them.

1. Chasing the Lowest Advertised Rate

Online rates rarely reflect your actual scenario. Maryland property taxes, loan type, credit factors, and county requirements all impact the real number. The lowest rate on paper isn’t always the lowest cost loan.

2. Ignoring Local Programs

Maryland offers unique assistance programs — especially through the Maryland Mortgage Program — that national lenders don’t always provide or understand. Missing these could cost thousands in incentives.

3. Not Getting Prequalified Early Enough

Waiting until you find a home can lead to:

  • Delayed offers
  • Missed opportunities
  • Unexpected payment surprises

A strong prequalification strengthens your offer from the start.

4. Working With a Poor Communicator

Even the best loan terms can’t save a transaction if communication breaks down. Buyers, realtors, title companies, and underwriters all rely on timely updates — silence can delay closings by weeks.

5. Skipping Reputation Research

Online reviews can reveal:

  • Closing speed
  • Accuracy
  • Transparency
  • Customer service

Your lender should have a proven track record in Maryland.

6. Focusing Only on the Rate

Rates matter — but so do:

  • Fees
  • Loan structure
  • Down payment requirements
  • Long-term costs

The best lender helps you compare the full picture.

7. Not Asking Questions

A good lender welcomes questions. If the answers feel vague or rushed, that’s a sign to keep looking.

Reach out to one of our qualified loan officers to learn more today!

What a Mortgage Loan Officer Actually Does and How to Pick the Right One

Posted on by Emily Gregory

A mortgage loan officer plays a much bigger role than processing paperwork. Behind the scenes, they act as an advocate, strategist, market analyst, and guide through one of the largest financial decisions most people ever make.

Here’s what Maryland homebuyers should know.

The Real Role of a Loan Officer

A strong mortgage loan officer:

  • Reviews your financial picture
  • Identifies loan options aligned with your goals
  • Helps you understand down payment requirements
  • Prequalifies you so you can shop confidently
  • Educates you on changing market conditions

They don’t just quote numbers — they help shape your entire homebuying strategy.

Behind the Scenes: What You Don’t See

A good loan officer is busy long before you reach the closing table. They:

  • Troubleshoot potential issues before they happen
  • Work with underwriters and processors
  • Update your realtor
  • Monitor program changes
  • Ensure timelines stay on track

Most of this work happens without you ever knowing — and that’s exactly how it should be.

What to Look for in a Maryland Loan Officer

Not all lenders operate the same. When choosing a Maryland loan officer, look for:

  • Local expertise — not a call center
  • Knowledge of Maryland Mortgage Program options
  • Clear communication
  • Proven experience in your county
  • Strong realtor partnerships
  • A reputation for meeting deadlines
  • The right fit can mean the difference between a smooth closing and a stressful one.

Local Beats National Every Time

Out-of-state or online lenders often miss critical Maryland-specific details:

  • Local tax structures
  • County-level incentives
  • Grant availability
  • HOA/condo nuances
  • Regional underwriting expectations

A Maryland-based lender understands the local landscape — and it shows in the results.

👉 Connect with a Maryland loan officer you can trust — experience the difference.

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