Stephen Joseph Harper

Job Title
Branch Manager
Career Started
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 Stephen Joseph Harper

Dedicated to make sure our clients get top notch mortgage services. First Home Mortgage Corporation, NMLS ID #71603 (

Stephen's Reviews

4.8 Stars - 126 Reviews
"My experience with Stephen was excellent, he kept me informed of everything that was going on with my Refinance. He answered all my questions and/or concerns. "
Refinance - Washington, District of Columbia December 2017
Buying - Silver Spring, Maryland December 2017
"Mr. Harper was patient and took his time explaining the approval process! He listened and was very honest! He has the best supporting staff...Nadira and Tracy both were very helpful!!"
Buying - Upper Marlboro, Maryland February 2018
"Very kind and helpful through different issues/bumps in the road that we encountered. Always accessible by phone or he called me right back. Thank you again Stephen!"
Buying - Baltimore, Maryland April 2018
"Responsive and pleasant. Transaction went very smoothly We had a good experience."
Buying - Rockville, Maryland May 2018
"He worked quickly to get my deal done. He even worked during his vacation. He made buying a home as stress free as possible."
Buying - Ruther Glen, Virginia June 2018
Buying - Glen Burnie, Maryland September 2018
"He was very patient and understanding and did everything he could to help us achieve our goal of home ownership. I just recommended him to a co-worker who needs a finance company."
Buying - Bowie, Maryland October 2018
"Good doing business "
Buying - Oxon Hill, Maryland October 2018
Buying - Locust Grove, Virginia October 2018
"Steve Harper made my experience very personal! It was like he was buying the house for himself. He was a great advisor."
Buying - Linthicun, Maryland October 2018
"Steve went above and beyond the call of duty to make my dream of becoming a homeowner come true! It's hard enough being a single mother; however, add trying to buy a house on your own and it's a double whammy!!! But, Steve wasn't phased by the challenge and his team worked hard to help me achieve my goal to own my home! I am forever grateful to him! He was knowledgeable, professional, kind, and patient. Top knotch customer service all the way around!!! "
Buying - Ruther Glen, Virginia May 2018
"Stephen Harper was the absolute best to work with. Coming into this experience as a first time home buyer, I am so grateful for his honesty, integrity and his willingness to help me in whatever way he could. He was always available to answer my questions. He made my first time home buying process easier and quicker than what I thought it would be. I'm so grateful for Stephen Harper and his whole team at fFrst Home Mortgage. "
Buying - Bowie, Maryland February 2019
"He worked very deligently and was very informative. "
Buying - Waldorf, Maryland February 2019
"He was very vested in my interests and even showed up for the signing to help explain everything. He gave me great information about what to expect with the home buying process and what to expect after signing."
Buying - Ruther Glen, Virginia April 2019
"Whenever I had a question he always took the time to explain. I called him all the time and always answered. They were very quick and efficient. I closed in 3 weeks. I will always use First home Mortgage. Steve and his team are the best in the business."
Buying - Savage, Maryland April 2019
"He�s great to work with, much humility and very approachable and has your best interests. He definitely goes beyond the call of duty and works with an undeniable diligence. "
Buying - Waldorf, Maryland June 2019
"He was very professional and knowledgeable. It was easy and stress-free to work with him."
Buying - Upper Marlboro, Maryland June 2019
"Nadira is a great employee"
Refinance - Bowie, Maryland July 2019
"Very professional, responded to every call and email."
Refinance - Fort Washington, Maryland August 2019
Buying - Hyattsville, Maryland September 2019
"Very responsive"
Buying - Upper Marlboro, Maryland November 2019
"Stephen was very transparent through the entire process and went above and beyond to make sure we received the best service possible. We would definitely work with both Stephen and Nadira again."
Buying - Indian Head, Maryland December 2019
"This was my first home purchase, and Steve was incredibly helpful. He answered my questions, made sure I understood all the processes, and worked well with my realtor. His team was great. I would recommend First Home and Steve."
Buying - Alexandria, Virginia December 2019
Refinance - Halethorpe, Maryland December 2019
Buying - Bowie, Maryland December 2019
Buying - Fredericksburg, Virginia January 2020
Refinance - Reston, Virginia January 2020
"Stephen Harper SR treated my file as his own. He worked tirelessly to ensure that I got the best deal. We had never met or knew ourselves but our correspondence was so close. He's honest and frank. I invite everyone to use Steve and you'll be glad you did."
Buying - Randallstown, Maryland February 2020
Buying - Oxon Hill, Maryland March 2020
"They worked hard even during the pandemic to help me get my first home. Steven was forthcoming and very helpful throughout the process."
Buying - Greenbelt, Maryland April 2020
Refinance - Potomac, Maryland May 2020
"Steve Harper reaches out to me about a refinance that ultimately saved us lots of money. I appreciate him looking out for my best interest. Customer service at its finest!"
Refinance - Essex, Maryland June 2020
Refinance - Upper Marlboro, Maryland June 2020
"Steve is highly professional. He is an honest man. A man of integrity. He keeps his promise."
Refinance - Upper Marlboro, Maryland July 2020
"Very professional and timely. I would recommend and go back if I needed to."
Buying - College Park, Maryland July 2020
"Professional in service. "
Refinance - Bowie, Maryland July 2020
"He was very honest and trusting. He gave us the right information based on our situation. "
Refinance - Cheltenham, Maryland August 2020
"He is not a business"
Refinance - Frederick, Maryland August 2020
"Steve Harper was a true first class professional to help us with our refinance. I would recommend him 100%. "
Refinance - Potomac, Maryland August 2020
Refinance - Capitol Heights, Maryland August 2020
"It was a very positive experience. Steve is very proactive and looks out for the client. The First Home Mortgage is a great company that anyone would like to do business with."
Refinance - Laurel, Maryland September 2020
"Quick and easy "
Refinance - Upper Marlboro, Maryland September 2020
"I honestly have to say that this was one of the most pleasant and memorable process I have experienced overall. Mr. Harper and his team are exceptional! It was an absolute pleasure working with Mr. Harper. He is responsive, informative, and has in-depth knowledge of the industry and products. I highly recommend Mr. Harper for anyone looking to purchase their first home."
Buying - Gaithersburg, Maryland October 2020
"Stephen is very good at his job."
Refinance - Fort Washington, Maryland October 2020
"Stephen was very professional and kept me informed every step of the way. If I called or emailed him, he got back to me within 5 - 15 mins. Thank you Stephen Harper for helping me with purchasing a house. It ran smoother then people has told me. I appreciate you."
Buying - Hyattsville, Maryland October 2020
"Efficient.reliable fast always ready to answer questions always ready "
Buying - Waldorf, Maryland December 2020
"Very knowledgeable and professional. "
Buying - Manassas, Virginia December 2020
"The process went very smooth, i love the fact that i can send them some document via email and they even created an App that i can sign the document send to me. stress free."
Refinance - Lanham, Maryland January 2021
"Steve made this experience so easy. At each step in the process he explained what and why it was happening and what to expect in the next step. All of his estimates were on target and each transition to another person was seamless. There was a lot of information but there were no surprises. "
Refinance - Lusby, Maryland January 2021
"My experience has always been great! Stephen and First Home Mortgage are efficient, professional and expedient. I greatly appreciate the exceptional service they have provided. "
Refinance - Clinton, Maryland January 2021
"Professional and on timely "
Buying - Bowie, Maryland January 2021
"I had two good experience work with Mr. Steve, he does a great job."
Refinance - Hyattsville, Maryland January 2021
"Very knowledgeable about the VA process and was able to answer all my questions. "
Buying - Baltimore, Maryland January 2021
Refinance - Upper Marlboro, Maryland February 2021
"Great "
Refinance - Washington, District of Columbia February 2021
"Outstanding! Mr. Harper is a true financial professional who pays attention to details regarding assistance to military veterans. "
Refinance - Waldorf, Maryland February 2021
"He is an professional that is extremely knowledgeable in the field of home finances. Friendly, prompt and steadfast in his responsiveness and frankness with clients. The First Home Mortgage team should be commended for their professionalism and client relationship. "
Refinance - Upper Marlboro, Maryland February 2021
"My experience working with Steve was awesome. He's a true professional. First Home Mortgage is lucky to have him as a lender. Kudos to Steve "
Refinance - Upper Marlboro, Maryland February 2021
"He was amazing! His customer service, knowledge and attention to detail is like no other!!! He truly made my FIRST HOME buying experience a breeze and one I'll never forget! '˜ºï¸"
Buying - Odenton, Maryland March 2021
"Great communication -- very responsive. Highly recommend"
Refinance - Ruther Glen, Virginia March 2021
"It was a smooth and great experience."
Buying - Hyattsville, Maryland March 2021
"Very responsive and helped us deal with a difficult situation. "
Buying - Davidsonville, Maryland April 2021
"He was great to work with. Always answered my questions in a timely fashion. "
Buying - Greenbelt, Maryland April 2021
"Stephen Harper was helpful in providing step by step updates and information throughout the home buying process. Stephen made himself assessible to speak with my realtor and I. Stephen and his team provided a smooth and timely transition in order for me to own my home. "
Buying - District Heights, Maryland April 2021
Refinance - Waldorf, Maryland April 2021
"He was very easy to talk to about any concern that I had. I'm a first time buyer and he graciously took the time to educate me on multiple topics and how they affected my situation. Extra points for always managing my expectations with a call in advance of an email or explaining the next step in the process. He was also really easy to reach by phone and email. Highly recommend working with him. "
Buying - Suitland, Maryland May 2021
"Stephen Harper is an excellent mortgage officer. He is very helpful. If I had any questions or concerns related to my mortgage and reach out to him, he always responded promptly. "
Refinance - Greenbelt, Maryland June 2021
"Steve, is efficient, helpful and a very good communicator. He was very timely with Information relevant to my refinancing, and truthful and reliable in answering my questions. He's a very dependable person to work with."
Refinance - Fort Washington, Maryland June 2021
Buying - Baltimore, Maryland June 2021
Buying - Waldorf, Maryland June 2021
"Steve was very pleasant, knowledgeable, responsive, and up front about everything. There were no last minute surprises or delays. I was very pleased with his services, I would say he respresents First Home Mortgage very well!"
Buying - Lusby, Maryland July 2021
"Mr. Harper Sr. was a pleasure to work with he was very informative. He also made himself available to answer any questions that I had. His easy going personality was much appreciated in what I felt was stressful. Thank you Mr.Harper Sr.!"
Refinance - Washington, District of Columbia July 2021
Refinance - Sykesville, Maryland July 2021
"Mr. Harper was very patient with me when it came to answering ALL of my questions. "
Buying - Bowie, Maryland August 2021
"Our experience with Stephen Harper Sr was superb. He really understood they type of loan needed to meet our needs and provided the best options for us. From end-to-end Stephen ensured that everything was done in a timely manner to meet closing deadline in our loan process. He was there for us and answered any/all questions throughout the entire loan process. We are truly greatly for him and his team for making our dream home a reality."
Buying - Odenton, Maryland September 2021
"Mr. Harper was very helpful and satisfied with the services received."
Refinance - Lanham, Maryland September 2021
"Stephen was very helpful and insightful, and answered all my questions or concerns. "
Buying - Frederick, Maryland September 2021
Refinance - Beltsville, Maryland October 2021
"He was always above and beyond my expectations "
Buying - Halethorpe, Maryland November 2021
"Mr. Harper and staff were quick to reply or respond and explained why certain documents were requested. Their professionalism and knowledge displayed made us very comfortable with the entire process. "
Refinance - Fort Washington, Maryland December 2021
"Steve is very knowledgeable and really puts his customer/clients first. The refinance process went smoothly and any questions I had he answered and if he didn't know right away he took the time to research and get back to me. He made sure that whatever transaction was being made would benefit me the most and I truly appreciate that."
Refinance - Temple Hills, Maryland December 2021
"Excellent customer service, kept me informed, always available for any questions or concerns "
Buying - District Heights, Maryland December 2021
Refinance - Upper Marlboro, Maryland February 2022
"I have been dealing with Steve for atleast 10 yrs, and he has been a great help to me with not only advice, but also checking up with me to make sure I was ready ro refinance."
Refinance - Indian Head, Maryland February 2022
"Total '€œ'€ inaccurate '€œ home disclosures, miss information on every aspects of loan processing "
Buying - Oxon Hill, Maryland February 2022
"Steve is very responsive and helped guide me thru the entire process"
Refinance - Baltimore, Maryland March 2022
Buying - Germantown, Maryland March 2022
"Stephen gets the job done. My very first experience where there were NO problems."
Buying - Bowie, Maryland March 2022
"He was very patient and helpful."
Refinance - Washington, District of Columbia March 2022
"Very knowledgeable and had lots of patience. He was always available for questions and quick responses to my email."
Buying - Hanover, Maryland April 2022
"Great customer service and attention to detail "
Buying - Clinton, Maryland April 2022
"Stephen was very professional and made the home purchase experience great. He kept me abreast of everything throughout the process ."
Buying - Silver Spring, Maryland July 2022
"Steve took time to support me through every step! I couldn't have asked for a better experience!"
Buying - Waldorf, Maryland August 2022
"He was so patient and understanding! Always available to answer any question and ensure I understood each and every thing. Great experience!"
Buying - Waldorf, Maryland July 2022
"As a first-time home buyer, I was truly satisfied working along with Stephen Harper. He goes above and beyond when assisting his customers! He's always easy to get in contact with and responds quickly. He'll make sure you get the best you can get. It was a pleasure meeting and working with Steve Harper!"
Buying - Greenbelt, Maryland September 2022
"Very customer service oriented."
Buying - Odenton, Maryland September 2022
"Steve is AWESOME to work with! Very responsive, helpful, professional. A+++ I recommend him to everybody I know! THANK YOU!"
Buying - Ruther Glen, Virginia September 2022
"Great customer service."
Buying - Odenton, Maryland September 2022
"Steve was very thorough and took his time to explain the lending process in details."
Buying - Joppa, Maryland September 2022
"Joseph was very patient with me and helped me lock in a good rate before the mortgage rates spiked."
Buying - Lanham, Maryland September 2022
"Steve was amazing! He made the process simple and easy. He took the time to answer all of my questions. He was very responsive, knowledgeable, and professional. Highly recommend his services, and First Home."
Buying - Upper Marlboro, Maryland October 2022
"Thank you Mr. Harper for making this journey memorable for my family. You were kind, courteous and knowledgeable about the mortgage Industry. You gave us confidence in the process."
Buying - Washington, District of Columbia November 2022
"My two biggest mottos in life are leave no stone unturned and the worse they can say is no. I felt that Mr. Harper was very approachable and that my voice was heard at all times. Although there were some bumps along the way, he continued to go with the flow, kept me well informed, was very transparent, and patient . In the end things ended smoothly and was still able to close a few days earlier. I am forever thankful for Mr. Harper and his team at First Home Mortgage. He came highly recommend by my realtor and must say he’s that man lol. Again thank you for all you do. I felt that he left no stone unturned and went above and beyond."
Buying - Lexington Park, Maryland October 2022
Buying - Suitland, Maryland October 2022
"Steve was extremely responsive —during business hours, after business hours, even when he was out of the office! Having him go the extra mile for me truly meant a lot! I would definitely work with Steve again if I found myself in the market for buying a home in the future!!!"
Buying - Upper Marlboro, Maryland November 2022
"Steve was quick to take action, extremely responsive and took time to explain every part of the process to me in layman's terms. I truly appreciate it. The process was relatively painless."
Buying - Bowie, Maryland December 2022
"Steve Harper and his team was great in my process of purchasing my new home. He was very detailed and responsive when it came to my questions and concerns. Very friendly and honest. "
Buying - , December 2022
"Stephen listened and shared his expertise and gave us confidence in process."
Buying - Washington, District of Columbia November 2022
Buying - Upper Marlboro, Maryland November 2022
"Harper did a very good job communicating to me about the process of my loan and everything."
Buying - Bowie, Maryland March 2023
"My girlfriend and I recently went through the home buying process for the first time and we couldn't have done it without the help of Stephen. From the very beginning, he made us feel comfortable and confident in our ability to become homeowners. Steve took the time to explain every step of the process and made sure we understood everything before moving forward. They were patient with all of our questions and concerns, and always made themselves available to us whenever we needed help. What we appreciated most about our Steve was his willingness to work with us to find the best loan option for our needs. They went above and beyond to help us secure a mortgage that we could afford and that would allow us to purchase the home of our dreams. Thanks to Steve's dedication and expertise, we were able to successfully close on our new home and start this exciting new chapter in our lives. We are so grateful for all their help and would highly recommend them to anyone in need of a reliable and trustworthy lender."
Buying - Frederick, Maryland March 2023
"I am very happy working with Mr. Stephen. He helped me to understand the loan procedures and was always there for me to answer any questions I have. I am very grateful for all his assistance over the course of our loan processing."
Buying - , April 2023
"Steve was great! Very responsive to all my requests and questions. He got it done!"
Buying - Baltimore, Maryland April 2023
"I would recommend Steve any day, a true professional. "
Buying - Frederick, Maryland May 2023
"Steve was great to work with. He helped us understand the process and kept us up to date from pre-approval thru closing."
Buying - Edgewater, Maryland June 2023
"Steve is very knowledgeable, patient, respectful, and excellent communicator. He took his time and explained everything I need to know to me as a first time Home Buyer. I sometimes call him off office hours, yet he wouldn't complain. I will surely refer my friends to him as my friend, Olu referred him to me. Thank you, Steve!"
Buying - Fort Washington, Maryland June 2023
"It was fantastic experience working with Stephen Harper in my home buying process and would recommend any wishing to buy a home to him."
Buying - , July 2023
Refinance - Oxon Hill, Maryland June 2023
"Steve was absolutely amazing!! He is skilled, knowledgeable, understanding and patient. He took time to listen to me, my questions, concerns - and answered accordingly. My experience was phenomenal, I felt supported every step of the way!!"
Buying - Randallstown, Maryland August 2023
"Mr. Harper is a dedicated, reliable, resourceful and professional person. With him and First Home Mortgage, our home buying process was hassle free. "
Buying - Waldorf, Maryland July 2023
"Very patient man. Held my hand through my first time home buying experience. Exactly what I was hoping for I recommend to everyone."
Buying - Gaithersburg, Maryland July 2023
"Stephen was very helpful and always responded via phone or email. I was very pleased with his services."
Buying - Halethorpe, Maryland September 2023
"All I can say is, excellent over service."
Buying - Ruther Glen, Virginia September 2023
"I loved working with Stephen he was very professional and informative throughout the whole process "
Buying - Halethorpe, Maryland September 2023
"Exceed my expectations. Excellent working with Mr. Stephen Harper. I will recommend friends and anyone to him."
Buying - Ruther Glen, Virginia September 2023

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