Why Choose Christina Ocharzak - First Home Mortgage?
Your path to the perfect mortgage starts here.
Get Started With Christina Ocharzak Today!
Watch this short video with a message from Christina on how to get started today.
Mortgages Made Simple
First Home Mortgage has many programs to offer such as USDA, FHA, VA, and Conventional programs. First Home Mortgage is one of the top lenders for the Maryland Mortgage Program, so Christina is very familiar with these loans and is ready to help. You can see more information about these loans in the Loan Programs tab above. Christina enjoys helping others through the process and getting clients prepared to purchase a home. She tries to make the loan process simple, straightforward, and as fast as possible for borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan, Christina is here to help you find the ideal financing solution.
Give Christina a call today to find out how she can help you with your home financing needs.
Christina understands the frustrations of finding a mortgage.
She's designed her services to make it smoother and more transparent.
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Christina was amazing working me through all the steps necessary to buy my first house. Very knowledgeable and helpful. I had a great experience! Looking forward to working with her again!
claudia chaffiotte
June 17, 2021Christina has been very nice to work with. She is always ready to answer your question and respond back quickly when you needed her . I would recommend anybody to... read more
Fatou Singhateh
June 17, 2022Working with Christina and her team as first-time home buyers was great. She took the time to answer all the different questions we had around rates and loan options and... read more
Jonathan Minogue
June 17, 2023 -
Christina Ocharzak and the First Home team we’re exceptional at helping us through the first time home buyer process, they answered any and every question we had in a timely... read more
kyle abbott
June 17, 2021Christina goes above and beyond for all her clients. With her many years of experience, she is very knowledgeable about all the programs available to best serve each client. She... read more
Lori Gardenhour
June 17, 2023Christina was thorough, timely and informative every step of the way through the home loan process! I highly recommend her for your home loan needs!
Laureen Henry
June 17, 2022 -
I never hesitate to recommend Christina as a trusted loan officer. She is extremely knowledgable especially when it comes to local programs and grants. She is always willing to... read more
Hannah Wigfield
June 17, 2022One of the best that I have had the opportunity to work with. She took the time to answer all of my questions. She kept me appraised throughout... read more
Moshe Yehudah
June 17, 2023Christina was amazing. Appreciate all her hard work...
Shirley Kelley
June 17, 2021 -
Christina is truly wonderful! I've worked with her a lot and she always goes above and beyond. Christina is a professional and never lets a problem get the best of... read more
Josie Spade
June 17, 2024Everyone is very kind and competent! They do an amazing job and can't recommend enough.
Nick Starkey
June 17, 2021Christina Ocharzak (Loan Officer) and Brenda Yeasacavage (Processor) of First Home Mortgage are superb! They are responsive and communicate things clearly. At no point did I feel uncomfortable to reach... read more
J.A. Gallegos
June 17, 2023
Explore our frequently asked questions
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
