First Home Mortgage - Richards Team

Founded 2002 • Angie's List since November 2013

A Rated | 4 Reviews


Voted TOP Mortgage Lender in the Washington D.C. area. Winner of the 2013 Best Places To Work Award by the Baltimore Business Journals. The Richards Team by First Home Mortgage is a local mortgage broker, providing excellent service, and low rates and fees. We work with many lenders and look for the best fit for each borrower. You are "just not another loan" to us and we pride ourselves as your trusted personal mortgage adviser. Call us anytime for mortgage advice -- even if you are not planning to apply for a loan. We will help you plan for the future and leverage maximum equity for you. Our employees care and it shows in our service!...

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Our passion is partnering with our clients to crystallize their financial goals, design a strategy to achieve those goals and execute the plan to its completion. You know it’s not enough to just make a plan, even the most well designed strategies can fail if not executed properly and then monitored for progress and suitability. This is why we consistently monitor the progress of your plan and make changes as new developments come to light with your changing goals. Whether we are helping a young family set the path to achieve their ideal lifestyle and first home; assisting a newly widowed client in navigating and structuring his/or her retirement plan and new life; or advising a professional couple on structuring the sale of their business and transitioning into retirement, we are consistently behind the scenes working to get you there and keep you there: on track. Our Core Competencies include: Financial Planning, Wealth Management, Risk Management, Estate Planning and Multi-Generational Asset Transfer Planning, Managing Executive Deferred Comp Assets. We use the latest and the most sophisticated tools to produce accurate and realistic analyses. We pride ourselves on our independence and ability to work with the leading experts in all fields of wealth management, accounting and estate planning to design a comprehensive and robust strategy to achieve our clients’ goals.

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Mr. Richards reviewed our mortgage situation, which required him to sift through a number of files that we brought.  You could instantly tell that this was a consummate professional, as he quickly deciphered very complicated documents and was able to explain them.   He outlined our financial options, and also recommended other professionals that could assist us.   For example, we may need to engag...

I looked up financial planners on Angies List, and the Jeff Richards Team here looked well suited to our needs.   Another family member and myself had a number of questions about financial planning, and it required taking a look at some previous mortgage loans and outstanding debt.   We called Jeff, who was easy to reach (so many are hard to get hold of), he gave us an appointment promptly, and then was truly outstanding in listening to our needs, working with us to answer our questions, and generally cutting through so much legal jargon to provide us with very helpful information.   I can truly recommend Jeff Richards as an extremely competent mortgage specialist, and I would not hesitate to give him the highest accolades to anyone in need of financial planning/mortgage services.  Mr. Richards is very personable, highly professional, and was able to clearly explain a number of complicated finanical issues to us.  

CATEGORY mortgage broker





Peter Brock at first home mortgage was a great help in securing my wife and I's first home loan. He was prompt with all emails and calls which is a must in such a stressful time. They use a web portal system that allowed me to upload financial documents online without having to bring them in. Everything was in order by closing and would recommend them to others.

CATEGORY mortgage broker





This is the sixth loan I have done with the Richards Team (2nd this year), and honestly do not trust anyone but this company. Jeff is savvy, finds us the best rate, knows when to lock in. He has shared all the info with us at every step of the process regarding our loan, status, etc. He returns emails and calls promptly -- evening, weekends, you name it which makes me believe he is working for me 24/7. Buying a home is a HUGE investment, and you need someone who takes their job seriously! Because Jeff is super responsive, we were able to jump on several real estate deals in a heart beat. With his group on our side, we know we can submit a real estate contract faster than other potential buyers. A definite advantage in the current sellers market.

CATEGORY mortgage broker




I have been using Jeff Richards for the last 18 years -- no kidding! I found them as a first time home buyer back in the early 90's and he was extremely helpful in helping us purchase our first home. Always finding us the best program with the best rates, low closing costs, and generally very trustworthy and honest. Since then, I have refinanced with Jeff and his team for probably a dozen or more ...

Mortgage for a new home and refinancing of second home.

CATEGORY mortgage broker,financial advisor

Services Offered

Personal mortgage advisers. The Richards Team by First Home Mortgage, we have a wide range of products; conventional, FHA, VA, USDA, HELOCs, and reverse mortgages.

Services Not Offered

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General Information
Free Estimates
Credit towards closing and free HUD-1 estimates
Payment Options
Visa, MasterCard, American Express, Discover, Financing Available, Check
Senior Discount
Emergency Service