Down Payment Talk

Down Payment Talk

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 especially first time buyers. There are a lot of programs we have available to use. USDA and VA are 100% financing and if looking in Maryland there is a program we have here to help with down payment assistance if those don’t work. Let me know if there is anything I can answer for you as I would love to help get you into your dream home! Some of my clients are able to get in with little to no money down. I would be happy to chat with you and see what options maybe available to you!

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.