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If you’ve been watching mortgage rates lately, you’ve probably noticed they haven’t moved dramatically. At the same time, they also haven’t come down as many buyers and homeowners were hoping. So what’s keeping rates elevated? Here’s a look at the biggest factors influencing today’s mortgage market. The Economy Is Holding Steady, but Inflation Remains the […]

Home Financing Designed for Medical Professionals A Mortgage Program Built Around Your Career Medical professionals dedicate years to education and training before beginning their careers. While the future earning potential is often strong, buying a home during residency, fellowship, or the first years of practice can feel out of reach. Between student loan debt, starting […]

Buying a home is one of the biggest financial decisions you’ll make, but it doesn’t have to mean coming up with a large down payment on your own. If you’re purchasing a home in Prince George’s County, you may qualify for one of several assistance programs designed to make homeownership more affordable. Whether you’re buying […]

VA Loans vs. Conventional Loans: Separating Fact from Fiction When it comes to purchasing a home, many buyers and even some real estate professionals assume that a conventional loan is always the stronger financing option. One loan program that is often misunderstood is the VA loan. The truth is that VA loans can be an […]

First Home Mortgage is proud to announce that we have been recognized by Mortgage Executive Magazine as one of the Top 50 Mortgage Companies in America for 2025. This national recognition highlights mortgage companies that demonstrate excellence in production, service, leadership, and overall impact within the industry. For First Home Mortgage, it represents something even […]

First Home Mortgage is proud to announce its recognition on the Scotsman Guide 2026 Top Mortgage Lenders rankings, a distinguished honor that highlights excellence and performance within the mortgage industry. For more than a decade, the Scotsman Guide rankings have served as one of the mortgage industry’s most respected benchmarks, recognizing lenders that demonstrate outstanding […]

Mortgage rates are once again making headlines, and many buyers, homeowners, and real estate professionals are asking the same question: What’s causing the sudden movement? The answer comes down to one major factor: inflation expectations. Recently, global conflict involving Iran and disruptions to oil markets have created concerns about rising energy costs and how those […]

First Home Mortgage is proud to celebrate a major milestone as Cathy Ocharzak, Branch Manager of the Hagerstown branch, marks 25 years with the company on April 9th. With more than 30 years of mortgage originating experience, Cathy has built an outstanding reputation throughout the tri-state area and within the mortgage industry. Over the course […]

We are proud to congratulate Alex Jaffe on being recognized among the 2026 Top Producers by National Mortgage News. While this honor reflects strong performance in 2025 loan production, it is ultimately a reflection of a long track record of consistency, experience, and client-focused service. Alex serves as Branch Manager of First Home Mortgage’s Chevy […]

VA loans are one of the most powerful benefits available to eligible veterans, active-duty service members, and certain surviving spouses. They offer flexible qualification guidelines, competitive rates, and often require little to no down payment. But one part of the VA loan that often causes confusion is the funding fee. Many people assume it applies […]

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 […]