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First Home Mortgage services 21 states throughout the northeastern, mid-Atlantic and southern regions, offering numerous loan types. You’ll have a dedicated loan officer from prequalification to closing, but the few customers who have shared their feedback felt this service was lacking. If you’re looking for a lender with strong reviews or are simply buying a home outside the First Home Mortgage service area, you’ll need to look elsewhere.
Conventional: 620
Minimum credit score
3%
Minimum down payment (Conventional)
Only available in: CT, DC, DE, FL, GA, IN, KY, MA, MD, ME, MI, NC, NH, NJ, PA, RI, SC, TN, VA, VT, WV
State availability
Loan products offered | Conventional, Jumbo, FHA, VA, USDA, Refinance |
---|---|
Minimum credit score | Conventional: 620 |
Minimum down payment (Conventional) | 3% |
State availability | Only available in: CT, DC, DE, FL, GA, IN, KY, MA, MD, ME, MI, NC, NH, NJ, PA, RI, SC, TN, VA, VT, WV |
NMLS # | 71603 |
Review by
Matt Miczulski is an investments writer at Finder, where he covers market news and digs into brokerages and investments to help readers make informed financial decisions. His expertise and writing have been featured on CBS, MSN, Best Company and Consolidated Credit, among others. Before joining Finder, Matt covered everything from finance news and banking to debt and travel for FinanceBuzz. He earned a BA in history from William Paterson University.
First Home Mortgage offers first-time and experienced home buyers alike to choose from a variety of mortgage products. The lender’s guided mortgage process gives you a dedicated loan officer to work with from the very beginning stages, which can be helpful if it’s your first time navigating the homebuying process. However, if you live outside the lender’s servicing area or are hoping to find a lender that doesn’t charge fees, you’re probably better off comparing other mortgage lenders.
First Home Mortgage is not currently available on Finder
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Meet the following criteria to qualify for a mortgage:
The exact documents required to apply for a loan with First Home Mortgage vary depending on your situation, but in general you need to provide:
First Home Mortgage charges a flat $1,395 application fee and a $575 appraisal fee as of June 2021.
In addition, you’re responsible for paying any third-party fees associated with buying a new home. These include costs such as title fees, title insurance and closing fees.
The first step toward obtaining a mortgage with First Home Mortgage is getting prequalified for a loan. Here’s how to get prequalified with First Home Mortgage:
First Home Mortgage offers a variety of loan types, including conventional, FHA, VA, USDA, refinance and renovation and construction loans, which is on par with most mortgage lenders.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
As of September 2021, First Home Mortgage has an A+ rating with the Better Business Bureau (BBB), though the company isn’t BBB accredited. Three of the four reviewers rated First Home Mortgage 1 out of 5 stars, citing unprofessionalism, disorganization and poor customer service. One customer rated the lender 5 out of 5 stars, commending the quality of service they received from their loan officer.
Reviews are more plentiful on Zillow – and much more positive. Customers on Zillow have rated First Home Mortgage 5 out of 5 stars based on more than 6,900 reviews. Many highlight the lender’s quality of service and positive experience as a first-time homebuyer.
Compare the perks and drawbacks of a mortgage lender to understand whether it’ll suit your needs. Here’s where First Home Mortgage stands out:
First Home Mortgage is a full-service, residential lender headquartered in Baltimore, Maryland. Founded in 1990 by David Waters, the company has since expanded into 44 offices that serve 21 states in the northeastern, mid-Atlantic and southern regions.