Ann E Kavadas Flaherty

First Home Mortgage
Participating lenders have agreed to a LENDAID code of conduct relative to transparency and independent customer surveys.
Equal Housing Opportunity
Job Title
Loan Officer, Branch Manager
Career Started
9697 Main Street Suite B, Fairfax, Virginia
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Ann E Kavadas Flaherty

Ann began her career in Real Estate and after 10 years moved into the financial world. Ann is very knowledgeable in all aspects of the transaction and her goal is to make it seamless for the customer. Ann loves what she does and truly enjoys helping others achieve home ownership. Ann loves to travel and vacation with her family. First Home Mortgage Corporation NMLS ID #71603 ( Licensed by the N.J. Department of Banking and Insurance.

Ann's Reviews

4.9 Stars - 138 Reviews
Buying - Herndon, Virginia December 2017
"Ann was very knowledgeable, accessible, pleasant and helpful."
Buying - Fairfax, Virginia July 2018
"No complaints."
Buying - Arlington, Virginia December 2017
"She was awesome all around. She was there around the clock. She was very knowledgeable. I feel lucky to have had her as a lending officer! She was great."
Buying - Damascus, Maryland December 2017
"Ann provided exceptional customer service. She worked with us to ensure we had a loan we could afford and was able to educate us. "
Buying - Alexandria, Virginia December 2017
"very professional and dedicated team "
Refinance - Mc Lean, Virginia December 2017
"She's great! "
Buying - Springfield, Virginia December 2017
"Ann was fantastic - always reachable, thorough, and knowledgeable. "
Buying - Alexandria, Virginia February 2018
"Creative and responsive in helping us make this purchase work."
Buying - Washington, District of Columbia March 2018
Buying - Lorton, Virginia March 2018
"Ann is amazing. Very professional, thorough and effficient."
Buying - Alexandria, Virginia March 2018
"Ann was extremely helpful and took the time to meets with us to clarify any and every question and concern we had. Very transparent, very honest and I couldn't have asked for a better loan officer. We are forever grateful for Ann's assistance in helping us find our dream home!"
Buying - Alexandria, Virginia March 2018
"Ann went above and beyond for me throughout this process. I know it wasn't easy considering it took us a little over 7 months to close on this short sale. When the bank FINALLY accepted the offer they gave Ann just 2 weeks to get it all together and she did it! She works long hours and gets things done even late at night if she has to. She has also been SUPER sweet and always available to answer any of my first home owner questions throughout the whole process. I will definitely use her in the future and recommend her to anyone ."
Buying - Woodbridge, Virginia February 2018
"The entire First Home Mortgage team was great to work with, especially Ann and Steve. They made a very daunting process much more comfortable and always had a lot of patience with us and our many questions. Thank you First Home Mortgage for helping us buy our home!"
Buying - Alexandria, Virginia April 2018
"Everyone was fantastic and the process super easy."
Buying - Alexandria, Virginia May 2018
"She was knowledgeable and friendly and kept in touch regularly with updates."
Buying - Haymarket, Virginia August 2018
"Ann was very easy to work with and patient with my wife and I. It has been since 1990 since we last purchased a home, so she took the time to walk us through the process. She was always available to speak with us about where the loan was in the process and what the next steps that would need to be take. I would advise any person to work with Ann and First Home Mortgage when they purchase a home!"
Buying - Fairfax Station, Virginia August 2018
"Excellent . She is very professional and will guide you thoroughly. A very pleasant person to work with . This was my second property with her for mortgage. "
Buying - Laurel, Maryland August 2018
"Ann was a great person to work with when buying my first home. Ann was well experienced and knew her stuff. Anytime I would have a question about any part of the closing process Ann always had the information ready or Knew the answer to all my questions. It was an enjoyable experience having Ann by my side and helping me when it came to making the best decision. I would use Ann again for any future homes and recommend anyone purchasing a home to use Ann to make the process smooth and easy. "
Buying - Alexandria, Virginia July 2018
"Ann was absolutely PHENOMENAL. She took the time to go through things with me slowly because this was my first time buying a home and I had lots of questions. She was very easy to reach out to and get a hold of. She did everything to put me at ease during this big change. Thank you to Ann!!!!"
Buying - Bethesda, Maryland November 2018
"Ms. Flaherty was efficient, patient, understanding, thorough, and was by our side the entire process. We always knew what she needed from us. Unfortunately, she was encumbered by the underwriters office who on the morning of settlement was still asking for documents. Needs to do a check off list so it's not always ONE MORE THING. He needs to be more like Ms. Flaherty!"
Buying - Alexandria, Virginia November 2018
"Simply fantastic!"
Buying - Alexandria, Virginia February 2019
"Ann is extremely knowledgeable and easy to work with."
Buying - Manassas, Virginia April 2019
"Ann was so helpful, understanding, and the consummate professional. What a joy she was to work with."
Buying - Alexandria, Virginia April 2019
"Ann answered any questions I had and guided me throughout the whole process. Often she would go above and beyond with my last minute questions or requests. She is very knowledgeable and super friendly. Overall, I could not be happier and I will definitely recommend her."
Buying - Ashburn, Virginia April 2019
"Attentive, responsive and solution oriented. Completely recommend."
Buying - Falls Church, Virginia April 2019
"Very professional and responsive."
Buying - Alexandria, Virginia April 2019
"Ann and her team were excellent. Questions were answered and even issues that were confusing solutions were given."
Buying - Alexandria, Virginia June 2019
"She is very professional! "
Buying - Alexandria, Virginia June 2019
"Ive financed multiple times on multiple properties with her. She and her staff are top tier service with caring and personization. I'd recommend her to anyone, first time or seasoned veteran buyers alike"
Refinance - Alexandria, Virginia June 2019
Buying - Arlington, Virginia July 2019
"Ann is responsive, knowledgeable and just extremely helpful. I would absolutely work with her again!"
Buying - Alexandria, Virginia July 2019
"Ann's help guiding us through the loan process made it smooth and seamless. Always available just a phone call or email away. Thanks!"
Buying - Alexandria, Virginia July 2019
"Ann is very knowledgeable about the entire mortgage process and is able to clearly explain everything to buyers. Responsive communication is a big plus!"
Buying - Aldie, Virginia July 2019
"Ann was great!!"
Buying - Alexandria, Virginia September 2019
"Ann is fantastic. Extremely knowledgeable and responsive and we felt like she was looking out for us and what was best for us. Thank you Ann for doing such a nice job."
Refinance - Arlington, Virginia September 2019
"The process was made very easy."
Refinance - Washington, District of Columbia September 2019
"Great experience"
Buying - Burke, Virginia September 2019
"Working with Ann was an extraordinary experience, she is wonderful soul, goes over & above to address all issues & concerns, one can trust her with closed eyes, and above all I have found a wonderful friend in her. God bless her today, tomorrow & always."
Buying - Manassas, Virginia October 2019
Buying - Falls Church, Virginia November 2019
"Professional, very knowledgeable and timely service."
Buying - Annandale, Virginia November 2019
"Good customer service!"
Buying - Manassas, Virginia November 2019
"Ann and the First Home Mortgage team made the entire process very easy, from uploading required documents to answering all of our questions. Ann made herself available whenever we needed to talk through an issue or get clarification."
Buying - Alexandria, Virginia December 2019
Buying - Leesburg, Virginia December 2019
"Ann is responsive to all my questions and I look forward to continuing to work with her and the First Home team again in the future. Thanks!"
Refinance - Fairfax Station, Virginia December 2019
"Ann was amazing at help me with all the forms and documents'€”she was my go to for help!!! Great experience with her. Thank you Ann."
Buying - Woodbridge, Virginia February 2020
"Ann is amazing. She was so patient with me, answering the thousand questions I had throughout the process. A+"
Buying - Arlington, Virginia February 2020
"Ann was wonderful. We did our first mortgage on this home with her and that is why we went back to her to re-finance our loan. Ann is extremely thorough, she kept in constant contact with my wife and I throughout the process and answered every question we had."
Refinance - Fairfax Station, Virginia March 2020
"Always completely satisfied. Professional"
Refinance - Clifton, Virginia March 2020
Buying - Reston, Virginia March 2020
"Ann Kavadas-Flaherty & First Home Mortgage were excellent in presenting information about loans and the loan process in a clear way."
Buying - Washington, District of Columbia April 2020
"Ann is hands down the absolute best to work with. Both real estate agents and closing agents have commented how fantastic she is and detail oriented. She (and her team) make the process seamless, keep the client updated, and make it as smooth as possible. I recommend her to everyone I know. I wouldn't work with any other lender."
Refinance - Washington, District of Columbia April 2020
Refinance - Frederick, Maryland April 2020
"Ann was extremely helpful and provided multiple options to consider. She was very knowledge and we appreciate her time and service."
Buying - Woodbridge, Virginia May 2020
"Held my hand from start to finish. "
Refinance - Fairfax, Virginia September 2020
"Ann was very responsive and knowledgeable. As a first time home buyer, she made the process easy and understandable."
Buying - Alexandria, Virginia July 2020
"Ann was very patient with me as it was my first time applying for a mortgage. She carefully and thoughtfully explained the entire process and was always available for my questions."
Buying - Fairfax Station, Virginia July 2020
"Nice and professional"
Buying - Arlington, Virginia December 2020
"Very responsive. "
Refinance - Burke, Virginia December 2020
"Ann is a wonderful person I had a pleasure working with!"
Refinance - Reston, Virginia August 2020
"Ann is amazing, with a wealth of knowledge and experience. She made sure to communicate consistently with us, and always made sure she was acting in our best interest in this home purchase."
Buying - Mount Rainier, Maryland August 2020
Refinance - Alexandria, Virginia August 2020
"Ann is extremely knowledgable and has a wonderful demeanor. She was very patient in answering all my questions and laying out various options. She always made herself available when we needed to reach out. It was great working with her - everything was very smooth and timely. "
Refinance - Washington, District of Columbia August 2020
"Expert professional, that took the time to walk us through the process. "
Buying - Alexandria, Virginia August 2020
"Ann was very professional and upbeat. She stayed on top of the transaction and kept us informed. She answered questions we had quickly and intelligently with knowledge of her products and process. "
Refinance - Round Hill, Virginia August 2020
"Prompt, communicative, efficient and friendly!"
Buying - Alexandria, Virginia September 2020
"Ann has been incredible every step of the way and we are so lucky to have her help."
Refinance - Washington, District of Columbia September 2020
"She was so helpful and great to work with! "
Refinance - Alexandria, Virginia September 2020
"Ann is the greatest. Our second time through was a little more complicated, but her thorough competence and basic humanity made it feel like a wonderful victory in an otherwise trying time. My grandmother was a huge '€œgolden rule'€ fan, and it's so cool to see that principle shine so well in Ann. Thanks."
Buying - Lexington, Virginia September 2020
"Great experience and easy to work with."
Buying - Manassas, Virginia September 2020
"This was my second time using First Home Mortgage and the second time was the opposite of my first experience. The process of closing did not run smooth, for example, last minute changes to the closing date due to powers outside of my control, first mortgage team did not follow through with their comment to provide me updated closing information prior to the actual closing, not being told of increases to appraisal costs until the pen is in my hand, and the first home team provide us the wrong amount of money to bring to closing. Hearing that it is busy times in refinancing doesn't invoke much empathy considering that we are all professionals and delivering for the client is what I'm paying first home mortgage for. "
Refinance - Alexandria, Virginia October 2020
"Can't say enough good things about Ann, Steve, and the team at First Home Mortgage. I was so impressed by their accessibility, clarity, and willingness to answer all my questions!"
Buying - Washington, District of Columbia October 2020
Refinance - Alexandria, Virginia October 2020
"Ann and her team are absolutely fantastic. We always know we are in great hands and will never buy without her."
Buying - Winchester, Virginia October 2020
"Ann was very professional, exceptionally well informed, and great to work with."
Buying - Alexandria, Virginia November 2020
Refinance - Alexandria, Virginia November 2020
"Organized, knowledgeable, patient, thorough, and just wonder to work with. Ms. Flaherty treats everyone like they are family."
Refinance - Alexandria, Virginia November 2020
"Ann is excellent, she is knowledgeable and available day or night for questions or concerns."
Refinance - Burke, Virginia November 2020
"Effective and efficient, attentive, detailed, positively responsive to client. I'm glad to have had Ann taking care of my mortgage journey all the way from the application process to the completion of the mortgage. I consider her excellent in her work!"
Buying - Washington, District of Columbia December 2020
"Ann gave us the best service we could have hoped for--very attentive and sought the best loan to fit our needs."
Buying - Washington, District of Columbia December 2020
"Very nice, informed, personable, reliable, and energetic. "
Refinance - Arlington, Virginia December 2020
"She cares about her clients"
Buying - Bethany Beach, Delaware December 2020
"Ann is phenomenal. For such a difficult and convoluted process, she approaches it with ease, explains everything, and is the consummate professional. I have no need check the paperwork because she's always exacting. I recommend her to everyone. She truly performs miracles and cares about her customers. My gratitude is unbounded. "
Refinance - Washington, District of Columbia December 2020
"Ann is terrific! I have used Ann for my last 3 home mortgages. She's fast, efficient and answers all my questions in a timely manner. The whole process is very simplified with her. I would not use anyone else."
Refinance - Woodbridge, Virginia January 2021
"Ann was always available to answer my questions, and she explained things very clearly. I would definitely recommend that anyone I know choose to work with her/with FHM."
Buying - Arlington, Virginia January 2021
"Ann was amazing! Many thanks to you and the team on a job well done! "
Refinance - Arlington, Virginia February 2021
"This was a refinance and we worked with Ann and her team at First Home Mortgage exclusively because of their professionalism and how easy they make the process. In fact, we have recommended them to friends and others for their mortgage needs."
Refinance - Alexandria, Virginia February 2021
"She is awesome, I have used her and the team 3 times on our properties"
Refinance - Alexandria, Virginia February 2021
Buying - Leesburg, Virginia March 2021
"This was second time I have had the pleasure of working Ann. My first experience with her was so fulfilling and the relationship between her,my wife and myself were a chemistry that was meant to be. She made sure we were kept in the loop every step and was readily and easily available. The second time was even better "
Refinance - Alexandria, Virginia March 2021
"A true professional throughout the process. We could not have had a better experience. Ann's caring, compassion, and understanding made what is usually a trying and stressful time just so much less so. She is a real asset to any mortgage lender. We just couldn't thank her enough. "
Refinance - Glenshaw, Pennsylvania March 2021
"This is the third mortgage we work with Ann. The process couldn't be smoother or better. We're extremely happy with her work, and look forward to continue working with her when the next opportunity arises."
Buying - Washington, District of Columbia March 2021
"Ann was there for me every step of the way. Great job in making it a smooth process."
Refinance - Vienna, Virginia March 2021
"Ann is outstanding! She is simply the most helpful and professional mortgage officer we've ever worked with. We would immediately recommend her to anyone with mortgage loan needs."
Buying - Alexandria, Virginia April 2021
"She made the entire process easy and fast. Due to her and her team's effort, we closed our loan a week early and it made a huge help in our moving process. she is a very kind, nice, professional, helpful, and knowledgeable person and she guided us at every step of the process. Thank you, Ann. "
Buying - Aldie, Virginia April 2021
Buying - Falls Church, Virginia May 2021
"Ann, as well as Steve Sengmany, were professional, thorough, and answered all of my questions throughout the purchase process. This should go without saying but I also greatly valued their honest and above board approach, which was not my experience with other lenders. I would absolutely recommend FirstHome to others."
Buying - Arlington, Virginia June 2021
"This was my first time buying a home by myself, so I needed some hand holding. Ann was so patient and responsive and walked me through every step. She made the entire experience seamless and stress free. I would absolutely work with Ann again and recommend her to anyone. She is wonderful!"
Buying - Broad Run, Virginia June 2021
"Ann was very knowledgeable, professional, responsive and helpful throughout the entire process. "
Buying - Alexandria, Virginia June 2021
"Very helpful and very patient Always takes time to explain and offer sound advice That's why we keep using her for all our mortgage needs! "
Refinance - Alexandria, Virginia June 2021
"Excellent service from Ann and her staff. Always kept us informed Thank you"
Refinance - Alexandria, Virginia June 2021
"Amazing experience. Ann found us the best rate, was very responsive to all of our questions, and made the process easy for us. I would absolutely work with her again!"
Buying - Fairfax, Virginia June 2021
"Top notch professionalism. "
Refinance - Alexandria, Virginia July 2021
Buying - Arlington, Virginia August 2021
"Ann was very helpful and prompt to return estimates and answers to questions. She went above and beyond to work with us even while she was out of town for a family funeral. I'd recommend Ann Flaherty to a friend looking for a home mortgage."
Buying - Monrovia, Maryland August 2021
Refinance - Purcellville, Virginia August 2021
"Ms. Anne is very professional and help us with our needs. She is very efficient and very nice"
Buying - Alexandria, Virginia August 2021
"Ann's dedication to her clients is first-rate! We've done 3 mortgages with her, and she's always our first call when we need help/advice about rates and products."
Refinance - Fairfax Station, Virginia August 2021
"Ann and her team were wonderful--excellent and timely communication, and great customer service. They eased the stress of being a first-time home owner and shopped for competitive rates for my VA loan. I would highly recommend them to friends. "
Buying - Alexandria, Virginia October 2021
"They were all so kind and explained everything along the way. As a first-time home buyer, this was incredibly helpful. They were so great, I will absolutely be using their services for my future home mortgage endeavors."
Buying - Manassas, Virginia October 2021
"Our experienced with Ann was very pleasant . She is very professional in her work . She helped us understand every thing regarding mortgage loan"
Buying - Indianapolis, Indiana November 2021
"Ann is the best. We could not have hoped for a better experience and she has been a joy to work with. "
Buying - Washington, District of Columbia November 2021
"Excellent, timely, fully informative communications "
Refinance - Alexandria, Virginia December 2021
"Ann was very helpful and was with me throughout the whole process. Any questions or concerns I had were answered promptly with care and professionalism."
Buying - Alexandria, Virginia January 2022
"From start to finish, Ann and her team were available, responsive, and helpful with any questions/concerns. First rate!"
Buying - Alexandria, Virginia February 2022
"We can't say enough good things about Ann. Ann and the team made the entire process stress-free. Communication was clear and thorough. Again, things couldn't have gone any better. I will be sure to recommend Ann and her team to anyone who are thinking about refinancing. Thank you, Ann and everyone who helped make our refinance run so smoothly. God Bless you all."
Refinance - Gaithersburg, Maryland March 2022
"Ann was always available to answer questions we had and was a big part of our seamless transition to home ownership. Highly recommend Ann and First Home Mortgage. 6 out of 5 stars."
Buying - Alexandria, Virginia March 2022
"Knowledgeable, available at all hours, friendly to talk to over the phone, explained complex financing in everyday terms. "
Buying - Alexandria, Virginia April 2022
"Very knowledgeable, responsive, and helpful"
Buying - Alexandria, Virginia April 2022
"Ms.Ann, she is very professional and knowledgeable. We love to work with her .She help a lot !"
Buying - Alexandria, Virginia April 2022
"Outstanding advisor. She is extremely knowledgable, provided us with numerous options and I knew she was looking out for our best interest at heart. She was always available to reach and helped us all through the process. I can't imagine working with a better person. "
Buying - McLean, Virginia April 2022
Buying - Leesburg, Virginia April 2022
Buying - Alexandria, Virginia April 2022
"Ann was very helpful from the very beginning and really easy to work with. She was very responsive even after the close on the home. She was able to provide the best rate and made the whole purchase process easier. She was really wonderful to work with and I'd refer her and work with her again. "
Buying - Alexandria, Virginia May 2022
"Ann is excellent. She has been my go to person for real estate transactions."
Buying - Springfield, Virginia June 2022
"Knowledgable and responsive. My got to Mortgage Broker!"
Buying - Durham, North Carolina August 2022
"Ann was wonderful to work with. She was quick to respond to all my questions and guided me through every step of the process. I highly recommend Ann and First Home Mortgage. "
Buying - Haymarket, Virginia August 2022
Buying - Woodbridge, Virginia August 2022
"Very polite and very knowledgeable, helped me find the perfect Morgage."
Buying - Warrenton, Virginia September 2022
"Our experience was very smooth, fast and easy!"
Buying - Sterling, Virginia September 2022
"Ann is always super helpful and answered all our questions!"
Buying - Gum Spring, Virginia October 2022
"Ann is wonderful, she has been great and really helpful throughout this whole process."
Buying - Stafford, Virginia October 2022
"Ann was wonderful. She kept me informed about everything. She answered all my questions and she got me a great percentage rate for home."
Buying - Charles City, Virginia November 2022
"Ann was diligent and excellent throughout our homebuying process. She followed up when needed and patiently answered any questions we had along the way. "
Buying - Falls Church, Virginia February 2023
"We absolutely love Ann. Extremely knowledgeable , professional, and kind!"
Buying - McLean, Virginia July 2023
Buying - Springfield, Virginia August 2023
"She was extremely helpful and responded quickly to our questions."
Buying - Springfield, Virginia August 2023
"Ann was so wonderful. She was available whenever I needed her and when I was stressed or confused she helped walk me through the process and calm my nerves. Would recommend Ann to anyone buying a home. "
Buying - , May 2024

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