How to Choose a Home That Will Appreciate

The potential for appreciation is an important factor to consider when choosing a home to purchase. Appreciation is when the value of your home increases over time. There are many factors that contribute to home value appreciation; some of them are out of your control, but there are some that you can control or predict…

Read More

Why are homeowners insurance premiums increasing?

What is driving increases in insurance premiums? Homeowners insurance premiums are affected by both insurance rates and rising inflation factors. Increases in storm activity, corresponding claims and building material prices, and construction labor shortages impact the cost to restore your home after a loss. With these increases, insurance premiums must rise to ensure your home…

Read More

Down Payment Talk

Hello, So I often get the question what do I do if I don’t have 20% to put down for a down payment? Or I get told I can’t buy I have to rent because I don’t have 20% down. You are not the only one! I promise! Most people are not doing 20% down…

Read More

Summer home tips

It is summer time finally!!!!! I wanted to share some tips with you on some items you may want to address around your home. We all get busy and don’t think about things until they are a problem. So here are some good tips! If you are thinking about refinancing or know of someone…

Read More


Yesterday USDA put out their new income limits for the different states and counties biased on house hold size. Check them out here If you have any questions please let me know!

Read More


Welcome to Christina Ocharzak – First Home Mortgage! Please check back for future articles and information.

Read More

Contact Us

First Home Mortgage Corporation
Christina Ocharzak, Loan Originator
NMLS ID #1299735

1829 Howell Road Suite 1
Hagerstown, MD 21740
(301) 491-4544

Christina Ocharzak - First Home Mortgage - white logo

Christina Ocharzak - First Home Mortgage

Christina Ocharzak is Licensed in:
Maryland (28722), Pennsylvania (50639),  West Virginia (LO-34064)


Refinancing your current mortgage loan could result in the total finance charge to be higher over the life of the loan. 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 Residential Mortgage Licensee (Lic. #23135), 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.