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Karen Dulmage

Branch Manager

NMLS #485100

Office Address

75 Community Road
Pinehurst, NC 28374


Karen was born and raised in the DC metropolitan area and began her start in the mortgage business at the age of 19 when she worked as a receptionist and later in operations, while attending college.  Growing up around the business— her mother is a well-respected mortgage banker of 35+ years— she learned early on the importance of helping others and enjoying what you do.

Upon graduating from Radford University in 2004, Karen became a production assistant to Countrywide’s largest producing loan officer in the mid-Atlantic region. She continued to move up the ranks, developing a wide breadth of experience, and went on to manage the FHA 203K renovation sales team on a national level. Having excelled in her numerous roles, Karen is now one of First Home Mortgage Corp’s leading loan originators and has earned many accolades in her career to include President’s Club, Leader’s Club, Top Volume Production Team, and Top Purchaser Volume Team.

Karen and her team are dedicated to educating, communicating with, and providing unparalleled customer service to both their clients and their Realtor partners. The Dulmage team is experienced with real estate markets up and down the Eastern seaboard, having roots in DC, Maryland, Virginia, and North Carolina. They are proficient in a wide range of loan programs including VA, conventional, FHA, FHA 203K renovation loans, USDA, and VHDA, as well as home equity and new construction loans.

Karen is also intimately familiar with the unique needs of Veterans when it comes to home financing, being the wife of one of our U.S. military members herself. Karen’s vast foresight and thorough understanding of various loan programs enable her and her team to develop creative financing options that will gratify any buyer.

With an in-house underwriting and processing team and superior customer service, Karen has become one of the area’s leading and most trusted mortgage loan originators. Licensed in DC, FL, MD, VA, NC, DE, SC and NJ, Karen can help you wherever it is you intend to buy.

Licensed in: Delaware (MLO-485100), DC (MLO485100), Florida (LO46392),  Maryland (26-23158), New Jersey, North Carolina (I-157480), South Carolina (MLO – 485100), Virginia (MLO-9799VA)

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.

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

Jared P.

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.

[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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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

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.

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

Brandi B., Real Estate Agent

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

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.

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

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.

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

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

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 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

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.

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

Patricia 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.

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.

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 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.

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

Jean M.

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

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.

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.

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.

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.

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

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.

Thanks for how classy you guys have been.

Eric and Lauren N.

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.

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.

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.

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.

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