Brian Neil Foss

First Home Mortgage
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Equal Housing Opportunity
Job Title
Branch Manager
Career Started
50 Carroll Creek Way Suite 10, Frederick, Maryland
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 Brian Neil Foss

Brian is a Branch Manager and mortgage consultant who is passionately committed to providing his clients an exceptional mortgage origination experience. His extensive mortgage lending background allows him to successfully guide homebuyers and existing homeowners through their transaction. Whether for a home purchase or refinance, he strives to help his clients select the most optimal mortgage program to meet their individual needs. Brian is a graduate of Towson University, and he currently lives in the Frederick, MD area with his wife and daughter after residing in Shepherdstown, WV for 15 years. Originally from Annapolis, MD, he enjoys spending free time with his family on or near water. First Home Mortgage Corporation, NMLS ID #71603 (

Brian's Reviews

4.8 Stars - 118 Reviews
"He was very professional and patient. It was a pleasure working with him and all his staff. "
Buying - Martinsburg, West Virginia July 2018
"I can't say enough good things about Brian Neil Foss. He is always willing to help. Kept us up to date with everything we neeed to do and all of the paperwork that needed to be done. Most importantly, he went above and beyond to get us the best loan, with the best rates possible. There's no one I'd rather do business with."
Refinance - Gerrardstown, West Virginia December 2017
"Brian led me through the loan process and explained all the details so that I could understand everything. The process was completed quickly with no surprises. Highest respect for Brian and team at First Home Mortgage. I absolutely would highly recommend."
Buying - Falling Waters, West Virginia January 2018
"He is excellent!"
Buying - Martinsburg, West Virginia March 2018
Buying - Frederick, Maryland March 2018
"From the very first call to closing was a very smooth and pleasant experience! "
Buying - Martinsburg, West Virginia April 2018
"From the first day to the Closing day, Brian didn't leave our side. Always available to answer questions. We couldn't have asked for a better experience! "
Buying - Falling Waters, West Virginia April 2018
"The required exam was cumbersome and unduly long."
Buying - Frederick, Maryland April 2018
"Brian is helpful, knowledgeable, friendly, and kind. He followed up with me every step of the way through my loan application process. "
Buying - Frederick, Maryland May 2018
"Have no complaints! "
Buying - Martinsburg, West Virginia June 2018
Buying - Falling Waters, West Virginia August 2018
Buying - Falling Waters, West Virginia September 2018
"Brian was professional and kept us informed. He answered all our questions quickly. Good job."
Buying - Hedgesville, West Virginia October 2018
"We Love Brian! Never once did we feel stressed throughout the whole process! My husband & I consider ourselves "old school." We could email/text him late night or any time & he always responded! He was willing & able to help us in any way! We will totally recommend him to everyone we know! Thank you Brian, you are the best!! "
Buying - Charles Town, West Virginia May 2018
"Money kept changing and yes we know that is the way home buying goes, but we still feel we paid for some closing cost no need to respond back unless the rates change and you can save us money!!!"
Buying - Martinsburg, West Virginia October 2018
"He was easy to contact, answered all my questions and even called after the transaction was finished to make sure everything was still going well. "
Buying - Frederick, Maryland November 2018
"Great guy to work with. Was on top of every little detail to make things run smooth. "
Buying - Falling Waters, West Virginia December 2018
"Brian was wonderful to work with."
Buying - Adamstown, Maryland December 2018
"He was willing to help always. And provided us with straightforward answers when needed. "
Buying - Martinsburg, West Virginia December 2018
"Fantastic person to help anyone through this difficult process!!"
Buying - Cross Junction, Virginia January 2019
"Very knowledgeable. Friendly and helpful. Easy to deal with. "
Buying - Hedgesville, West Virginia February 2019
"He was very professional, even answered my call at 2 am in the morning, that showed me his dedication. "
Buying - Martinsburg, West Virginia April 2019
"Brian was on point the entire time and made sure we were as well."
Buying - Falling Waters, West Virginia April 2019
"Professional, courteous and informative. Always available to provide needed information and answer questions. The whole process was smooth from the beginning to closing. "
Buying - Falling Waters, West Virginia April 2019
"Brian and his team was very helpful, professional and made me feel comfortable during my home buying process."
Buying - Falling Waters, West Virginia June 2019
Buying - Falling Waters, West Virginia June 2019
"Brian is amazing! He is so knowledgeable and patient with his clients and gives them the best rates and options!"
Buying - New Market, Maryland July 2019
"Brian was amazing. He was always quick to respond to any of my questions. He went above and beyond to help ensure I'd be able to buy my house. I will be recommending him to my friends and family."
Buying - Hagerstown, Maryland July 2019
"Brian and his assistant did an extremely efficient and professional job."
Refinance - Hedgesville, West Virginia July 2019
"A+ customer service from Brian Foss and team!"
Buying - Martinsburg, West Virginia August 2019
"Brian was very helpful, prompt and wonderful to work with! I would highly recommend him!"
Buying - Frederick, Maryland August 2019
Buying - Hedgesville, West Virginia September 2019
"Very knowledgeable and efficient"
Refinance - Martinsburg, West Virginia September 2019
"Brian Foss has been the best financial advisor through the mortgage process. He has helped us on three separate occasions and we have sent him multiple referrals. His team is highly intelligent when it comes to the facts of purchasing or refinancing a home. I wouldn't choose any other mortgage company than First Home Mortgage. Brian Foss and his team have made buying our house seamlessly easy process. Thank you."
Refinance - Taneytown, Maryland September 2019
Refinance - Frederick, Maryland October 2019
"Brian's patience, kindness, knowledge and overall assistance throughout the entire process - represented one of the most amazing service excellence experiences I've ever had. My overall home-buying experience was enhanced due to Brian's involvement."
Buying - Waynesboro, Pennsylvania November 2019
"This was my first time purchasing a home. Brian and his team took the time to answer all of my questions throughout the process. The communication was outstanding keeping me updated with the status of the loan every step of the way. Overall they made it very easy to go from a renter to an owner. I will recommend them to anyone who asks and would not hesitate to use their services in the future!"
Buying - Frederick, Maryland November 2019
"FHM and Brian were extremely patient and understanding of my family and our ignorance in the home buying process."
Buying - Brunswick, Maryland November 2019
Buying - Martinsburg, West Virginia December 2019
"Brian is extremely responsive and provides world class customer service. This is our second time working with him and I can say if needed we will work with him again."
Refinance - Millersville, Maryland December 2019
"Brian is the best. He keeps you updated and explains things throughout the process. He works hard for you and we will always go back to work with him."
Buying - Martinsburg, West Virginia January 2020
"Mr Foss is Best Very helpful and explain very good I appreciate him and would recommend everyone"
Buying - Charles Town, West Virginia February 2020
Buying - Walkersville, Maryland February 2020
"Answered all my questions, easy to work with, highly recommend them to anyone"
Refinance - Charles Town, West Virginia March 2020
"Patience and very helpful."
Buying - Martinsburg, West Virginia April 2020
"Made the process easy. Professional and prompt. Stood by me for the entire home search even with a 9 month gap of not communicating. Glad I'm connected with Brian and the First Home team and looks like I will be for the next 30. 😁"
Buying - Frederick, Maryland April 2020
"Excellent Honest"
Refinance - Martinsburg, West Virginia May 2020
"Responsive, informative, made it a smooth process."
Buying - New Market, Maryland May 2020
"Brian and Marcia are amazing! Great customer service!"
Refinance - New Market, Maryland May 2020
"Brian helped us when we first bought this home 5 years ago and was very helpful in both the purchase as well as the refi. He was always prompt, supportive and respectful."
Refinance - Knoxville, Maryland May 2020
"Brian always responds quickly and is extremely knowledgeable. Had an answer to all my questions. Second time working with Brian and would do it again without a second thought. Great person."
Refinance - Falling Waters, West Virginia May 2020
"My experience was wonderful. Brian and Marcia kept me up to date on everything. They were GREAT!"
Buying - Martinsburg, West Virginia May 2020
"Brian and his entire staff were so helpful through the entire process of my refinance. He and his staff kept me updated on any changes as the process continued. There were many changes due to the COVID crisis and information required changed constantly. Brian and Marci kept on top of it all and informed me as needed. They helped keep me sane!! I appreciated their knowledge and commitment. This is my second time working with them and this time was as pleasurable as the first."
Refinance - Frederick, Maryland June 2020
"He's amazing! Super helpful and really broke down the details for us as we are first time home buyers. Highly recommend!"
Buying - Emmitsburg, Maryland June 2020
"Brian was very patient and professional! He was approachable and easy to contact. Brian did an excellent job in guiding us through the process. Thank you!!!"
Refinance - Hedgesville, West Virginia June 2020
"Brian and his crew was efficient and extremely helpful. They kept us well informed and moved the process along quickly."
Refinance - Hedgesville, West Virginia June 2020
Refinance - Taneytown, Maryland July 2020
"Brian was great. Answered all my questions promptly and was always available to me. "
Buying - Rohrersville, Maryland August 2020
"Brian has done two mortgages for us and he is absolutely phenomenal and timely at getting things done. "
Refinance - Harpers Ferry, West Virginia August 2020
"Easy and secure - very much appreciated."
Refinance - Boonsboro, Maryland August 2020
"Brian took the needed time to answer any questions to make sure I understood. "
Buying - Hedgesville, West Virginia August 2020
Refinance - Hedgesville, West Virginia August 2020
Refinance - Martinsburg, West Virginia September 2020
"He was very helpful throughout the entire process. "
Buying - Falling Waters, West Virginia September 2020
"He was pleasant to work with."
Buying - Kearneysville, West Virginia September 2020
"Brian and his team made the process easy and kept things moving for a rapid closing. "
Refinance - Frederick, Maryland October 2020
Buying - Knoxville, Maryland October 2020
"Always available to answer questions and extremely knowledgeable."
Buying - Frederick, Maryland October 2020
"Brian has helped me over the past many years since he was with Wells Fargo. I considered changing my residence and he always offered sound advice through my long process of considering purchasing another home, construction process, etc. He recently helped me refinance my Wells Fargo mortgage when I decided to stay in my original WV residence. Brian is customer-focused, calm, patient, and very very smart. Because of Brian, I now have a strong First Home allegiance and refer my friends. First Home is extremely fortunate to have Brian Foss working for them! "
Refinance - Shepherdstown, West Virginia October 2020
"Transaction was smooth and easy. Communication was really great and everyone was super helpful and friendly!"
Buying - Martinsburg, West Virginia November 2020
Buying - Frederick, Maryland December 2020
Buying - Frederick, Maryland December 2020
"Both Brian Foss and Tonya Holmes were wonderful! They were on top of things and were always helpful and available - making the process as smooth as possible."
Refinance - Mount Airy, Maryland December 2020
"Brian is a true professional, very knowledgeable and customer oriented. Our experience with him has being above and beyond expectations. "
Refinance - Falling Waters, West Virginia December 2020
"Very supportive and knowledgeable in all areas of the settlement process."
Buying - Sharpsburg, Maryland December 2020
"Brian was always very helpful and quick to respond to emails"
Buying - Martinsburg, West Virginia December 2020
"Love him"
Buying - Brunswick, Maryland January 2021
Buying - Winchester, Virginia January 2021
"Brian and his staff were wonderful to work with-professional and buttoned up. The process of electronically requesting and providing information they needed was super easy. Everything was wrapped up and delivered on time for the settlement process. Overall-a great experience"
Refinance - Annapolis, MD-Maryland January 2021
Buying - Sharpsburg, Maryland February 2021
"This is the second time we have used Brian Foss. Both times he has done an amazing job finding us the best mortgage rates. He is also very quick to respond to any of our questions and is always checking in to see if we have any questions or concerns. Highly recommend Brian Foss and we will continue to use him for all our mortgage needs."
Refinance - Frederick, Maryland March 2021
"It was an absolute pleasure to work with Brian and First Home mortgage. Brian was extremely knowledgeable about different programs and options that are available and really went out of his way to make the home buying process as easy as it could be. I will recommend Brian to anyone I come across that is looking to buy a home! "
Buying - Myersville, Maryland March 2021
"Brian and Tonya were so helpful and patient throughout the whole process. I would highly recommend them to anyone looking to buy a home!"
Buying - Hedgesville, West Virginia March 2021
"Customer focused, very professional, a pleasure to work with. Mr. Foss removed the uncertainty and stress of the loan process."
Refinance - Shepherdstown, West Virginia March 2021
"Very professional and made the refinance easy"
Refinance - Hedgesville, West Virginia March 2021
"Brian was great to work with. Responsive enough and truly helpful with entire process."
Buying - Martinsburg, West Virginia April 2021
"Brian is extremely knowledgeable and helpful "
Refinance - Hedgesville, West Virginia April 2021
"Brian was in communication regularly throughout the loan process and ensured that everything was on schedule for our closing. This was the best experience I have ever had with a mortgage application/loan."
Buying - Martinsburg, West Virginia April 2021
"Brian is awesome. Always available. Answered all my crazy questions, very patient and super helpful. I would definitely recommend him, and First Home Mortgage to my friends."
Buying - Hedgesville, West Virginia April 2021
"Brian is extremely knowledgeable and very helpful and responsive to all of my questions and concerns. "
Buying - Frederick, Maryland April 2021
"Brian Foss was great. Always kept me informed as the mortgage approval process was moving forward."
Buying - Hedgesville, West Virginia April 2021
"He was with us every step of the way. Great experience."
Buying - Great Cacapon, West Virginia May 2021
"Brian and his team were excellent to work with. They explained everything clearly and were patient with all my many questions. Each phase of the mortgage application and approval went very smoothly and professionally."
Buying - Martinsburg, West Virginia June 2021
"Answered the phone and replied to emails and texts even after business hours. Brian was clear about the documents he needed. Explained the loan process and the processes pertaining to us and our situation at the moment. Locking the loan was easy."
Buying - Martinsburg, West Virginia July 2021
"He kept in touch even on vacation, but could never get our phones straightened on who was who"
Buying - Hedgesville, West Virginia July 2021
"Easy to work with and an overall great experience!! "
Refinance - Charles Town, West Virginia July 2021
Buying - Hagerstown, Maryland July 2021
"Brian was always helpful and professional. The overall rating is only 4 stars because we sat at closing for over 11/2 hours waiting on First Home Mortgage to send a document."
Buying - Martinsburg, West Virginia August 2021
"Very pleasant"
Buying - New Market, Maryland August 2021
"Brian was extremely helpful. Very friendly, responsive, knowledgeable, and professional. "
Buying - Gerrardstown, West Virginia August 2021
"Brian was helpful at each step while we were buying our first home."
Buying - Hedgesville, West Virginia August 2021
"Brian Foss was available at all times of the day. His availability to answer my questions is the reason I went with First Home rather than PNC. "
Refinance - New Market, Maryland September 2021
"Completely disappointed in the whole process. I was told to do the complete opposite of what I really needed to do in order to go to closing."
Buying - Inwood, West Virginia September 2021
"Brian is professional, thorough and he took the time to explain options as well as assist with each step in the process - it was pleasure working with him. The Online experience can be improved (doc signing and section completion) but overall, better than most."
Refinance - Oakland, Maryland October 2021
"Great and helpful ."
Refinance - Frederick, Maryland October 2021
"Brian is a pro. He makes things so easy and is so responsive. Brian's service is top notch and the reason we continue to work with first home."
Refinance - Millersville, Maryland October 2021
"Brian is a very compassionate, considerate, confidential and honest man."
Buying - Frederick, Maryland November 2021
"Brian and Tonya were courteous, responsive, and professional throughout the entire process. They both exceeded all expectations! I will recommend them to all my friends and family"
Buying - Frederick, Maryland December 2021
"Brian is extremely knowledgeable and took the time to answer all of my questions. He is a great communicator, keeping me up to date throughout the process. He returned my emails and calls promptly. I am very happy with the low interest rate that I received. Best mortgage company I have every worked with. Great experience!"
Refinance - Kearneysville, West Virginia December 2021
Buying - Hedgesville, West Virginia December 2021
"The best! Patient, responsive, available."
Buying - Kearneysville, West Virginia December 2021
"Brian is wonderful to work with. He is patient and explained everything thoroughly. "
Buying - New Market, Maryland February 2022
"Brian worked hard to get my loan through and he was always patient when explaining things to me! His team was great too! "
Buying - Berkeley Springs, West Virginia February 2022
"Very helpful. "
Buying - Hedgesville, West Virginia March 2022
"Brian Foss and his support folks did a very good job at answering questions and supporting my wife and I in processing and executing our home loan."
Buying - Keyser, West Virginia March 2022
"Brian was great = the proces"
Buying - Baker, West Virginia April 2022
Buying - Martinsburg, West Virginia April 2022
"Brian made time to explain everything for you to understand "
Buying - Martinsburg, West Virginia May 2022

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