First Time Home Buyer Programs

First Time Home Buyer Programs

We have plenty of programs designed to help first-time homebuyers purchase a home.

The Housing Finance Agencies (HFAs) are state-specific and offer programs to residents to help with down-payment assistance. Most of these programs offer special incentives for first-time homebuyers. Our most popular first-time homebuyer loan is the Maryland Mortgage Program, for which First Home Mortgage is the #1 Lender for MMP. Purchase and income limits apply.

There are variety of additional programs available to help first-time buyers, including DC Open Doors, Chenoa Funds, FHLB Grants, Freddie Mac BorrowSmart®, and other local assistance loans and grants. Our First Home Advantage program provides discounted rates for first-time buyers earning under 100% Area Median Income (120% in high-cost areas). The only way to know your options is to get pre-qualified with us first so we can determine the best fit for you.

Conditions and guidelines vary depending on the program or agency. Please call to check availability of funds. Freddie Mac BorrowSmart® is a registered trademark of Freddie Mac.

For more information about this loan type or any others, please feel free to contact me at, or call (301) 327-5803.


Getting started is easy. We offer very competitive rates, have great service, and always close on time.


NMLS ID#: 71222

Equal Housing Lender

Contact Us

Jeffrey Halbert - First Home Mortgage
2810 Laurian Lane
Suite 100
Dunkirk, MD 20754

(301) 327-5803

This is not a commitment to lend. Terms and conditions of programs, products and services are subject to change. All loans are subject to credit approval and property appraisal. Certain restrictions may apply on all programs. First Home Mortgage Corporation of America, First Home Mortgage Services, and First Home Mortgage Company of Maryland are d/b/a's of First Home Mortgage Corporation. First Home Mortgage Corporation is licensed in Connecticut, Delaware, District of Columbia, Florida, Georgia, Indiana, Kentucky, Maine, Maryland, Massachusetts Mortgage Lender and Broker (Lic. #MC71603), Michigan, New Hampshire, Licensed by the New Jersey Department of Banking and Insurance, North Carolina, Pennsylvania, Rhode Island Licensed Lender and Broker, South Carolina, Tennessee, Vermont, Virginia, West Virginia. Equal Housing Lender. First Home Mortgage Corporation NMLS ID #71603 ( Privacy Policy.