USDA Loans

USDA Loans


This program allows eligible borrowers in eligible USDA areas the opportunity to purchase a primary residence with NO money down!!!

General Requirements-

-The property must be located in an eligible area. Call me or look it up here.

-There are household income caps regardless of who is on the loan in order to be eligible to use this program. Income caps vary by state, by county, and by how many people reside in the same property. Call me to find out what those are. We will need income documents from all household members over the age of 18 (unless they are a full-time student).

Mortgage Insurance-

A Rural Housing loan has an upfront mortgage insurance premium of 1%, which can be financed into the loan amount. The annual mortgage insurance fee is .35%, which is broken down over  12 months and is added to your monthly payment.

Advantages of USDA financing-

  • 100% financing
  • Low rates
  • Low mortgage insurance premiums

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.