I was born and raised in Centreville. I am a proud alumni of Queen Anne's County High School and Salisbury University. I spent my first year learning the business from every aspect ensuring a complete understanding of guidelines, loan programs, and the mortgage process. This experience prepared me to be able to help in any situation.
My background allows me to take a consultative approach with my clients to ensure they have a complete understanding of the loan process and together we can choose the best financing that fits your needs.When I'm not working I enjoy spending time with my family, golfing, crabbing, and playing the guitar. 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 is licensed in Connecticut, Delaware, District of Columbia, Florida, Georgia Residential Mortgage Licensee Lic.
My background allows me to take a consultative approach with my clients to ensure they have a complete understanding of the loan process and together we can choose the best financing that fits your needs.When I'm not working I enjoy spending time with my family, golfing, crabbing, and playing the guitar. 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 is licensed in Connecticut, Delaware, District of Columbia, Florida, Georgia Residential Mortgage Licensee Lic.
Services
This is a loan with a interest rate that fluctuates with the market.
This can be extremely beneficial if you are purchasing a property that you do not plan in staying in for the life of the loan because the initial interest rate is usually lower than that of a fixed loan.
A payment plan that gradually reduces debt over a period of time.
For positive amortization, this payment includes both principal and interest so at the end of your loan term, you will own the property free and clear (as long as this is the sole lien on the property).
This can be extremely beneficial if you are purchasing a property that you do not plan in staying in for the life of the loan because the initial interest rate is usually lower than that of a fixed loan.
A payment plan that gradually reduces debt over a period of time.
For positive amortization, this payment includes both principal and interest so at the end of your loan term, you will own the property free and clear (as long as this is the sole lien on the property).
Offers $5,000 in assistance towards down payment and/or closing costs.
This is a deferred loan, not a grant, that has to be paid back in full when you sell the house or pay off the loan.
The property can reside anywhere in Maryland.
Also, borrowers cannot have owned a home anywhere in the last three years.
Offers $5,000 in assistance towards down payment and/or closing costs PLUS a 0.25 discount on the interest rate.
Borrowers cannot have owned a home anywhere in the last three years.
Special eligibility requirement: Must have over $25,000 in student loan debt at time of purchase of new home.
This is a deferred loan, not a grant, that has to be paid back in full when you sell the house or pay off the loan.
The property can reside anywhere in Maryland.
Also, borrowers cannot have owned a home anywhere in the last three years.
Offers $5,000 in assistance towards down payment and/or closing costs PLUS a 0.25 discount on the interest rate.
Borrowers cannot have owned a home anywhere in the last three years.
Special eligibility requirement: Must have over $25,000 in student loan debt at time of purchase of new home.
Typically between 30-45 days.
It will be closer to 30-35 days for a regular loan without any assistance programs and closer to 45 days if using an assistance program such a first time homebuyer program.
Each person gets three credit scores when a report is pulled, one from each credit agency.
The middle of the three scores is the one we have to use for scoring.
If there is more than one person on a loan we have to use the lowest middle credit score of all people on the loan.
Factors that influence credit scores include history of accounts, variety of accounts, balances on accounts, late payments on accounts and collection accounts.
It will be closer to 30-35 days for a regular loan without any assistance programs and closer to 45 days if using an assistance program such a first time homebuyer program.
Each person gets three credit scores when a report is pulled, one from each credit agency.
The middle of the three scores is the one we have to use for scoring.
If there is more than one person on a loan we have to use the lowest middle credit score of all people on the loan.
Factors that influence credit scores include history of accounts, variety of accounts, balances on accounts, late payments on accounts and collection accounts.
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