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Understanding Your Credit 


Your credit report contains information on where you live, how quickly you pay your bills, whether you've filed for bankruptcy and other personal financial information. Having a good credit report generally means it will be easier for you to get loans and lower interest rates, which of course, means smaller monthly payments.


Remember! Having poor credit or a “low” credit score doesn’t mean a great loan is out of the question. We are unique in that we set our own credit-granting standards based on the loan product you are seeking.


Our Loan Officers review each application on an individual basis and don’t look at every credit history the same way. We may look only at recent years to evaluate you for credit, and we may grant credit if your bill-paying history has improved.

Disclosure:  This is not a guarantee to extend consumer credit as defined by Section 1026.2 of Regulation Z. Programs, interest rates, terms and fees are subject to change without notice. All loans are subject to credit approval and property appraisal. First Home Mortgage Corporation NMLS ID #71603 ( ). Clay Carroll NMLS ID 513125 Licensed in VA. Equal Housing Lender.


NOT ACCEPTING NEW YORK APPLICATIONS. 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, Virginia, West Virginia. Equal Housing Lender. First Home Mortgage Corporation NMLS ID #71603 ( Privacy Policy.

Clay Carroll

Sr. Loan Officer

1 Park West Circle, Suite 106, Midlothian, VA 23114

NMLS# 513125