VA Loans

VA Loans

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VA Loans

If you are a Veteran, service member, or surviving spouse, I would first like to thank you for your service! Secondly, this is a wonderful program for you to take advantage of and we can check to see if you are eligible for this financing option!! Call me or fill out this form and send to me.

The U.S. Department of Veterans Affairs (the VA) does not make loans to veterans; it establishes eligibility requirements for VA loans and guarantees them.  The guarantee that the government offers with VA loans is a promise to repay lenders a portion of the loan balance if a veteran’s loan goes into foreclosure. This enables the lender to provide Veterans with more favorable terms.

Mortgage Insurance –

One of the biggest benefits of a VA loan is that there is no monthly mortgage insurance!!!

The VA does charge a one-time mortgage insurance called a funding fee that is generally financed into your loan. This may differ depending on whether this is your first or second time using this program, if you are a reservist, in the National Guard, or are a full-time member of the armed forces. If you have a service-related disability, you may be exempt from paying a funding fee. This is something I can look into for you.

Advantages of VA loans-

  • 0% down with full entitlement
  • Low rates
  • No monthly mortgage insurance
  • Lower credit score requirements

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.