About Us — HomeFirst Lending
Our story

It started around a kitchen table.

HomeFirst began in 2012 when two loan officers — tired of watching families get lost in fine print — sat down at a kitchen table and sketched out a simpler way to lend. The rule they wrote at the top of the page still hangs in our office: "Explain it like they're family."

Since then we've helped more than 1,900 families through first homes, bigger homes, downsizes, and fresh starts. We've celebrated closings with cupcakes, talked nervous buyers off ledges at 9pm, and learned every kid's name along the way.

We're still small on purpose. Real people answer our phones, your loan officer knows your story, and nobody here has ever said "per my last email."

A warm, lived-in living room
Since 20121,900+ families home
What we believe

The values on our wall (and in our work)

Not posters. Promises.

🕑

Patience

Your timeline is the timeline. Whether you're buying next month or next year, we'll meet you exactly where you are — no pushy follow-ups.

💬

Plain English

Escrow, points, PMI — we translate all of it. If you leave a conversation confused, that's on us, and we'll happily explain it again.

❤️

People first

We'd rather tell you to wait six months than put you in a loan that pinches. The right answer sometimes isn't a loan — and we'll say so.

The team

The people who pick up the phone

Four humans, zero phone trees. Say hi — they don't bite.

Sarah Whitfield

Sarah Whitfield

Co-Founder & Senior Loan Officer · NMLS #345981

Mom of two, coffee enthusiast, keeper of the closing-day cupcake tradition.

Marcus Delgado

Marcus Delgado

Co-Founder & Loan Officer · NMLS #412276

Little-league coach who can explain escrow in under a minute. Timed.

Emily Chen

Emily Chen

Loan Officer, First-Time Buyers · NMLS #508934

Bought her own first home at 26 and remembers every nerve-wracking step.

James Okafor

James Okafor

Refinance Specialist · NMLS #467105

Weekend woodworker. Will absolutely ask to see photos of your renovation.

Come say hello.

Five minutes, zero pressure. Tell us where you're headed and we'll help you get there.

Start your application
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