About Us

Personalizing the Home Loan Process

From pre-qualification 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 an 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 35 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!


Tim was super responsive and answered all of our questions. He made sure we understood everything fully, we had a great experience working with him.

Kayt North Beach, MD

Cylda was there with us every step of the way and went over and over the call of duty. I will be recommending First Home Mortgage in general and Cylda in particular to friends who are going through the process of buying a home.

Silver Spring, MD

Outstanding!! Olusean “Olu” Ajayi is one of the most knowledgeable, thoroughly professional loan officers I have ever worked with. He kept us updated on the process and responded immediately to any questions and/or concerns we had. I have purchased 5 homes and worked with other loan officers. Olu is simply the best and has been excellent to work with!!

Bowie, MD

I have worked with Allan on all of my mortgages. This was the most complex as I am Self Employed. Allan helped us work with the underwriters to paint an accurate picture and we were able to purchase the home of our dreams.

Travis Phoenix, MD

Gary was always available to answer my questions and answered them clearly and succinctly. Gary was also very attentive to each task and moved things forward very efficiently.

Friendship, MD

Kristy was incredible! She is professional, proficient, knowledgeable, patient and understanding! This is the third mortgage for me, two home purchases and a better rate refi. She was by far the best to work with. I will use her again for any of my mortgage needs, I highly recommend Kristy!

Kara Williams-Gonazalez

Scott was great; took the time to thoroughly answer all my questions and make sure I understood all the factors at play necessary to make an informed decision. Super pleasant and quick to respond when I had a question.

Faith Hanover, MD

As a first time home buyer, the experience with both Scott and First Home was easy and amazing. Scott always answered my emails and phone calls promptly and gave great explanations to all my questions. First home has a seamless process that was quick and easy to understand. Would definitely recommend Scott and First Home to other home buyers.

Chad West River, MD

Great person, very professional, has good people around him. We had really good communication, and closed in a timely fashion. Will use Rob and First Home team again!!

Naji Baltimore, MD

I had already started the loan process with another company but one of my colleagues who’s a previous client recommended Olusesan to me, singing his praises so l left that company and went to First Home Mortgage. And when I started working with him l saw everything my colleague had said about him. First of all is highly experienced in his profession as there were ‘??teaching moments’? when he educated me on the process, my options, the pros and cons of everything. As a novice and nervous first time home buyer this was extremely helpful Secondly he’s very patient and accommodating..whether you call him at 7am or 11pm he answers his phone and he’s ready for duty. Loan officers and Realtors are generally too busy and they rush you in everything which is irritating but l didn’t feel that way with Olusesan or l didn’t sense that with him. He made me feel l was the only customer he had. He listened to me which was also important, l didn’t feel like he was just ‘??trying to make a quick buck’? Buying a home is very stressful but his expertise, passion for his profession and his compassion for his clients eased the process to a large extent. I have already recommended him to my friends and will continue to do so He goes above and beyond his call of duty and that’s not common in today’s world If l have to do the process all over again l will do it with him!

Upper Marlboro, MD


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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