Cathy Sue Ocharzak

First Home Mortgage
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Equal Housing Opportunity
Job Title
Branch Manager
Career Started
1829 Howell Road Suite #1, Hagerstown, 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 Cathy Sue Ocharzak

Love helping people achieve their goals.

Cathy's Reviews

4.9 Stars - 80 Reviews
"Very professional, and informative made the process move smoothly! "
Buying - Smithsburg, Maryland July 2018
Buying - Hagerstown, Maryland July 2018
Refinance - Smithsburg, Maryland December 2017
Buying - Hagerstown, Maryland December 2017
"Cathy was very helpful and patient through my home buying experience. She's awesome!"
Buying - Hagerstown, Maryland December 2017
"Cathy is amazing!!!! "
Buying - Hagerstown, Maryland December 2017
"Very professional and helpful! "
Buying - Hagerstown, Maryland February 2018
Buying - Hagerstown, Maryland April 2018
"She did an excellent job and was great to work with."
Buying - Hagerstown, Maryland April 2018
"Very professional."
Buying - Hagerstown, Maryland May 2018
Buying - Slanesville, West Virginia June 2018
Buying - Hagerstown, Maryland August 2018
"Cathy's dedication, kindness and professionalism made the process almost effortless. Her willingness to work with our unorthodox work schedule made our mortgage experience so much easier on my husband and I. Cathy is a very likable person!"
Buying - Hagerstown, Maryland August 2018
"Cathy was extremely knowledgeable and answered all of our questions and did a fantastic job of helping us through a complex process of working with an out of state title company."
Buying - Williamsport, Maryland August 2018
"Cathy was wonderful! To answering way too many questions from my husband to just easing all of our fears throughout the entire process. She was amazing and absolutely wonderful to work with!"
Buying - Frederick, Maryland October 2018
"Cathy is wonderful „ very professional and awesome customer service. I have enlisted Cathy twice now, so IÍm a repeat customer „ that should speak volumes!"
Buying - Keedysville, Maryland November 2018
"I've bought and financed a large number of personal and investment properties over the last 10 years. This was my first time working with Cathy and the First Home Mortgage Team. It was the smoothest experience I've ever had dealing with a mortgage company. Bravo!! "
Buying - Middletown, Maryland November 2018
"I was pleasantly surprised how smooth the process was. Especially since I am self employed. Cathy and staff went the extra mile to make our loan work. The process was excellent and I will surely recommend her and First Home Mortgage in the future!"
Buying - Hagerstown, Maryland November 2018
"Cathy was available whenever and each time we required her assistance. We placed offers on 3 houses. The housing market was quite competitive at the time of year we were purchasing. The ability to submit an offer in a timely fashion made all the difference in the world. The need to submit multiple offers were no reflection of Cathy's level of service. She was with us lock/step during this very important journey. She was WONDERFUL and a BLESSING. We will definitely refer others to her and First Home Mortgage. We can not thank you enough for a wonderful experience. "
Buying - Hagerstown, Maryland November 2018
"She is the greatest. "
Refinance - Hagerstown, Maryland April 2019
"Cathy was with me and my wife every step of the way, and even though we settled, she is still going to monitor my mortgage to make sure I'm not paying too much!! Above and beyond happy with our experience with Cathy, and her entire team!!! "
Buying - Hagerstown, Maryland April 2019
"Cathy was wonderful to work with..."
Buying - Hedgesville, West Virginia April 2019
"Cathy and her team got my mortgage through and approved in a month with no hitches. Exactly what my wife and I needed!"
Buying - Hagerstown, Maryland April 2019
"First rate "
Buying - Martinsburg, West Virginia June 2019
Buying - Maugansville, Maryland June 2019
"Cathy and her staff were extremely friendly and professional. Cathy was able to process our loan quickly and was very flexible with the changing of our closing date due to the sellers issues. Thank you Cathy for all that you did for us. Laura & Henry Boone "
Buying - Hagerstown, Maryland June 2019
"She and everyone that works with her were great and they done everything in the world to make me and my wife's dream come true and they are the best people that you want to be working for you we love them all "
Buying - Hagerstown, Maryland June 2019
"Cathy & her staff were absolutely a joy to work with! They made a very hectic process enjoyable and took the time to make sure that we understood each step along the way. We're very thankful for all they did. "
Buying - Hagerstown, Maryland June 2019
"We found them to be caring, real people. They were amazingly nice to work with, yet very professional too. Communication was terrific!"
Buying - Falling Waters, West Virginia June 2019
"Very pleasant and attentive to clients"
Buying - Middletown, Maryland July 2019
Buying - Hagerstown, Maryland August 2019
"They are a great team to work with, they always listen to any question as a buyer you have, the way they handle any concern its very professional,im very pleased with they help and im highly recommend First home Mortgage if you want to get a Loan.."
Buying - Hagerstown, Maryland August 2019
"The process was uneventful. Cathy and her team did a great job and kept me informed throughout the process. Very positive experience!"
Buying - Falling Waters, West Virginia August 2019
Buying - Hagerstown, Maryland September 2019
"Very knowledgeable. Always prompt in returning emails."
Buying - Hagerstown, Maryland September 2019
"Cathy was amazing from start to finish as well as the other women who helped us. Anytime I had a question, they were super quick to respond and help in any way. They made the financial portion of our home buying process a breeze. I would HIGHLY suggest using First Home Mortgage to anyone!"
Buying - Greencastle, Pennsylvania September 2019
"Everything was easy and comfortable."
Buying - Hagerstown, Maryland October 2019
Buying - Smithsburg, Maryland October 2019
"Cathy was very helpful and made the process as simplistic as possible"
Buying - Hagerstown, Maryland November 2019
Refinance - Hagerstown, Maryland November 2019
Buying - Hagerstown, Maryland December 2019
"Working with Cathy was a pleasure."
Buying - Frederick, Maryland January 2020
"Cathy was great!!! She was patient with me and when we had issues, she was very calm and had a plan on how to address."
Buying - Hagerstown, Maryland January 2020
"Very down to earth , she made my whole experience easy and comfortable. I will always recommend her and the team in Hagerstown !"
Buying - Hagerstown, Maryland February 2020
"Cathy and staff were very friendly and helpful. I enjoyed my experience with First Home Mortgage because everyone helped me through the process and made me feel special. I can't thank everyone enough."
Buying - Hagerstown, Maryland February 2020
"She made this process smoother than I ever thought possible. She was clear with me about what she needed and what would happen and everything went great. She was also very personable and made me feel like a priority."
Buying - Williamsport, Maryland February 2020
"She was wonderful! She was also good at keeping me calm!lol great the whole time!"
Buying - Hagerstown, Maryland February 2020
"Cathy and her team were so wonderful to work with. As first time homebuyers, we were nervous, excited, and full of questions. Cathy made sure we were comfortable and understood every step of the process. We can't thank her enough!"
Buying - Hagerstown, Maryland March 2020
"She is super knowledgeable and helpful. Cathy made the process so easy for me and always answered any questions or concerns quickly. Thank you so much! We love our new home! :)"
Buying - Inwood, West Virginia April 2020
Refinance - Martinsburg, West Virginia April 2020
"I found Cathy to be extremely professional and courteous. She made the process of obtaining a mortgage very easy by being accessible and quickly responded to my questions and concerns."
Buying - Hagerstown, Maryland April 2020
"I was given a lot of help finding grants that would help me."
Buying - Hagerstown, Maryland May 2020
"She was great made things so easy and answered any questions needed . Can not thank her enough!"
Buying - Hagerstown, Maryland May 2020
"Cathy was amazing she stuck with me through quite a lot between the corona virus and me getting laid off she was still able to make it happen for me."
Buying - Hagerstown, Maryland May 2020
"The entire process from the first phone call was extremely smooth. Every time I did not understand something Cathy explained it in a way I could comprehend. Very easy to work with and wouldn't hesitate to do future business with her."
Refinance - Brooklyn, Maryland May 2020
"Very helpful, answered all my questions."
Refinance - Hedgesville, West Virginia May 2020
"Very informative and helpful."
Buying - Williamsport, Maryland May 2020
"Cathy and her staff were wonderful. They were extremely helpful and made the process of refinancing super easy."
Refinance - Hagerstown, Maryland June 2020
Buying - Sharpsburg, Maryland July 2020
"Good communication. Worked with us to change closing date."
Buying - Williamsport, Maryland July 2020
"Cathy was EXCELLENT and kept me informed every step of the way. She made the process easy. "
Buying - Hedgesville, West Virginia July 2020
"Everything went very smooth and she kept us up to date on every step of the way. "
Buying - Cassville, Pennsylvania August 2020
"She's perfect. No surprises and she did a great job keeping me informed throughout the process. I'm a bank CEO and I appreciate quality. Cathy's a Rockstar!"
Buying - Falling Waters, West Virginia August 2020
"Cathy was on top of things the entire process. She kept us well informed at every step."
Buying - Waynesboro, Pennsylvania September 2020
"Cathy was SO helpful every step of the way, which as a first time home buyer made the process way less stressful than it could have been. Cathy reached out to me when needed, but more importantly was VERY quick to responding to my MANY inquiries no matter the day of the week - including the weekends. I am forever grateful for her guidance and help in my purchasing MY dream home. "
Buying - Hagerstown, Maryland September 2020
Refinance - Hagerstown, Maryland October 2020
"Cathy was amazing and prompt with taking care of making our dream home needs a reality. We worked with her for our first home mortgage needs a few years back. Recently we worked with her again as we moved into our dream home! She was kind, professional, knowledgeable, and super reliable! We highly recommend working with her! "
Buying - Greencastle, Pennsylvania October 2020
Refinance - Hagerstown, Maryland November 2020
"Cathy was wonderful and we couldn't be happier with our experience! "
Buying - Hagerstown, Maryland December 2020
"Her and Courtney were great to work with!"
Buying - Williamsport, Maryland December 2020
"My experience with Cathy was wonderful! She is very informative and she always went out of her way to help me with questions I had. I would recommend her to anyone. "
Refinance - Hedgesville, West Virginia January 2021
"She was very kind and helpful."
Buying - Clear Spring, Maryland January 2021
"She helped and worked with us. And was easy to talk to and walked us through each step. "
Buying - Hagerstown, Maryland January 2021
"Cathy is fantastic, straight forward, and consistently works very hard to get your loan approved & closed. Highest of recommendations for Cathy & FHM. "
Buying - Hagerstown, Maryland February 2021
"Cathy was amazing to work with. She was extremely helpful through the entire process. "
Buying - Hagerstown, Maryland February 2021
"Cathy was great throughout the entire home buying process. She stay on top of things and always answered my questions promptly! "
Buying - Hagerstown, Maryland February 2021
"Great to work with..extremely helpful "
Buying - Hagerstown, Maryland February 2021
"She was honest great and always available, as well as the whole team at first home mortgage"
Buying - Hagerstown, Maryland March 2021
"She was nothing short of amazing and was the best part of my first home buying process! "
Buying - Fort Ashby, West Virginia March 2021
Refinance - Inwood, West Virginia March 2021

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