You’re not just making an investment in your future. You’re changing your life.

Welcome Home


At First Heritage Mortgage, we understand that your home represents peace of mind for your family, a sense of community belonging, and in many cases, your most significant financial investment. Work with our team of lending experts for greater simplicity, honesty, and fairness throughout the mortgage process.

A Direct Lender with Expansive Offerings

We go beyond traditional conventional mortgage programs to offer FHA and VA insured mortgages, financing for new construction and second homes, first time homebuyer assistance programs, and more!

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Tools and Resources to Help You Get Started

Thinking about buying or refinancing a home? Start here for answers to common questions, helpful tips, and online calculators to help you navigate the mortgage process.

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Mortgage +Plus℠ Down Payment Protection

With Mortgage +PlusSM down payment protection by First Heritage Mortgage, homebuyers can protect their hard-earned down payment investment, similar to the way banks are protected through PMI.

We are the only lender that offers this type of protection for buyers in Virginia, Maryland, or North Carolina.

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A Sampling of Our Awards & Honors


Take It From Our Customers


The entire staff was extremely kind and professional. I could reach out to them at any time of the day and always received prompt and timely answers to my questions. This was my first mortgage, and I will definitely come back to them in the future!

- Clinton B.

Willing to go the extra mile to help get things done. If we didn’t understand something she took the time to explain it. We would have been lost without Whitney’s help. I would recommend her to everyone.

- Kyle S.

Thanks for all of your help and for being patient with me as a first time buyer! I said it before, but I will say it again you were really amazing and made sure you were available to help me at all times and to give your advice even when it had nothing to do with the actual mortgage process!

- Maria C.

Elliot Roberts is an outstanding person to have for the home loan process. He was patient with me and displayed a sense of integrity and compassion during our conversations. His knowledge of the overall process was superb and he frequently reached out to check in on me and answer any questions I might have. You really don’t find that personal touch anymore and I was happy to introduced to Elliot! Thanks again Elliot keep in touch!

- Tim G.

Chris Kelly helped me and my wife when we refinanced our home a few years ago. We are talking to him again about a new path for our family. We’ve worked with other companies and mortgage consultants in the past, but were frankly worn out too soon by their inability to guide us through the process. They lacked enthusiasm and had a slow-to-get-back-to-us character. Chris Kelly is COMPLETELY DIFFERENT. He is responsive, patient, and highly organized. He genuinely wants to guide people through the process, understand where they are coming from and their goals, and offer options and solutions that work. He puts everything in easy-to-follow terms and is willing to address every question and concern that may surface. I cannot recommend anyone higher than Chris Kelly. Contact Chris and see for yourself.

- Ephraim H.

Jeanne was great – thorough, responsive, and took her time in explaining everything to a first time home buyer. Thanks for making the experience easy.

- Kurt M.

The best experience we ever had with refinancing a mortgage! Jerry Berry and his team moved fast and efficiently and made the whole process such a pain- free experience for us. Will highly recommend to all our friends and family.

- Donald N.

As a retired Police Officer and someone who has purchased several homes, I was a little skeptical to refinance my second home and consolidate all my bills under one umbrella. After speaking with Jim and getting all questions answered, I can honestly tell you this was the smoothest loan process that I have ever been through. I will definitely refer anyone looking for a loan to Jim and First Heritage Mortgage. Thanks for taking good care of us!

- Lamont B.

I had such a lovely experience. Buying my first house and all the financial info was slightly overwhelming! Mr. Rider broke everything down for me. He went the extra mile in every area and I had an amazing first time buying experience. Mr. Rider is an outstanding human.

- Brittani H.

Chris was great to work with. He used his skills and knowledge of the mortgage industry to bail us out of a difficult situation. We were referred to him at the last minute due to issues we were having with another mortgage company. Chris worked with his management and went above and beyond to successfully close our loan on time. I highly recommend Chris!!

- Nicole T.

As Sergeant Major in the U.S. Army, my first thought was to start the mortgage process with a bank that I had previously used, and is well known for working with the military. Thank God I did not! My experience with First Heritage was far superior than my previous mortgage experiences with military friendly banks. Everything is streamlined, and First Heritage makes you feel like you are their only customer. I could reach my loan officer around the clock and he even would respond to text messages after office hours when I needed additional information. I was completely blown away by the professionalism and attentiveness of everyone who facilitated the loan process. I never felt like I was in the dark or like my file was being neglected. First Heritage puts people first and the customer service that I received was simply amazing!!

- Sergeant Major

Aaron and his  team were terrific with helping me getting all the info  together and on time. They  are good with allowing you time to get all your documents together.

- Teresa P.

Just a note of thanks for the 1.5 years of support to get our loan in place. We feel we have known you for years. You’ve been absolutely wonderful to work with. That was the best cold call we ever made. Without your help we couldn’t have done it.

- K & A

Chris was very quick in responding to emails, texts, and phone calls. He also answered a lot of questions for us, and presented multiple detailed breakdowns of our different loan options. He also worked closely with our realtor to keep everything moving along smoothly.

- Andrew S.

We LOVE our home. Your professionalism, punctuality and wealth of experience helped us make the right choice every time we have embarked on a new milestone. You are family. I wish we would have known you when we bought our first home in 2006; nonetheless, our recent home purchase was a success because of you. We are truly grateful and hope that you know how much we value your financial advice. I look forward to working with you again in the future.

- Cynthia and Frank

Paul is extremely professional and responsive. I was able to reach Paul via email and his cell phone – something I really appreciate. Paul was instrumental in getting my loan through the gauntlet and to closing. I hope to do business with him again in the future and would recommend him to anybody looking for a loan – especially a renovation type loan.

- Jason T.

My wife and I were a little intimated by buying a home in the metro D.C. market due to the home prices in the area. David did a great job and breaking everything down for us piece by piece to ensure we had the financial information we needed to make a sound decision on whether or not to buy. It was an excellent experience and I am happy we chose David to finance the purchase of our home here.

- Robert M.

I was so lucky to have Ana as my mortgage loan officer, because she is very knowledgeable, very patient and as a first time buyer I had so many questions and doubts but she took the time to explain every single step and to answer every question I had. The loan process was smooth and it was done in a timely manner. I highly recommend Ana as a mortgage loan officer. When is time to refinance, I will definitely go back to her.

- Zillow

Michael was an absolute pleasure to work with. He made buying my first home possible. He helped me understand the whole process and got me up to speed about borrowing money for my first home purchase. He help guide me in to make the better choices. He was reliable, informative, honest and informative in every step of the way. Thank you Michael for making this possible and hope to do other business with you in the future!

- Seble N.

We have refinanced with Chris four times. He is professional, thorough, reliable, and has a friendly approach. Hes very accessible and no question goes unanswered. All of these attributes are extremely important to make your loan process go as smoothly as possible. We will continue to use Chris as we hope to find a vacation home soon.

- Michael S.

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