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

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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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A Sampling of Our Awards & Honors


Take It From Our Customers


Chris Grant and his team had to finalize our application in less than a month. Chris was responsive, helpful, and transparent every step of the way so we never had any doubt that it would be completed on time. We highly recommend First Heritage and special kudos to Chris.

- Asher W.

It was one of the best banking experiences I think I ever had with a client. Phil and his team were on their game the whole time and gave us no reason to panic at the end. Most of the mortgage loans surprise you at the end of the process and settlements get delayed. Not this time!

- Ron T. (Realtor)

When my wife and I were looking to move out of our town home and into a single family home five years ago, we were introduced to David J by a very lucky chance. During our first meetings, a lot of time was spent understanding not only our financial situation, but also our family needs before offering advice and a plan for moving forward. After moving into our new home, David J called periodically to ensure that we were doing well and to keep us informed on current mortgage trends. It is refreshing to know and work with someone who takes the time to establish a personal relationship as well as a professional relationship with you.

- Joe G.

I couldn’t be happier with Scott and his team. Scott went above and beyond at our first meeting explaining everything about the process to us as first time home-buyers – and answering every one of my questions. From there we were in the hands of his capable team who were responsive, organized and very friendly – and Scott was always available if we needed anything. It was obvious this team has a wealth of experience and had some great tools that made the whole process easier including online signatures for most documents and a secure transmittal system for important documents you wouldn’t want in your regular email. In summary, great team, great process and great support along the way. I will definitely be recommending FHM.

- Trevor W.

This is my second home purchase. I worked with Whitney for the first and the experience was so good I chose to work with her again. I’m so glad I did! As always, she was helpful, patient and kind, guiding me through the process.

- Jo-Anne C.

It was a great experience for us. Jeffrey Neilsen sets the bar so high for the competitors. I really feel blessed that he and the company was the one who handled my case. As I’ve mentioned, he is on top of his game and if I could rate him on a scale from 1 to 10, I’d give him 10+.

- Sophia M.

As first time home buyers, were very nervous about the process. Lee met with us and walked us through the process from the beginning. That education about the process and everything involved gave us the confidence we needed to shop for homes with our realtor. I can assure you I will always refer Lee if we have friends that need mortgage help. I wouldnt recommend anyone else.

- Mike D.

We have used Rob McElroy for now, our second home purchase. Rob and his team were incredibly responsive, detailed and thorough. Rob was always available for any questions and reviewed all options with us. He was so helpful and we always felt more comfortable after speaking with him in what can be a very stressful situation. We recommend Rob to all of our friends and will continue to work with him for all future needs.

- Sarah 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.

My experience with the First Heritage team has been incredible and as pleasant as getting a mortgage could possibly be.

- Robert R.

A team assumes the personality of their leader and Mr. Jerry Berry is a great leader. Mr. Berry and his team were accessible and displayed exceptional integrity and professionalism. These attributes are what sets Mr. Berry and his team apart from others. I have a lot of experience in dealing with people and Mr. Berry is the best and he knows the mortgage business! Great experience refinancing our house.

- Harvey R.

Scott & Team, I just wanted to send out a very BIG Thank You to all of you. This has been a great experience with you all from beginning to finish and Barbara and I are very happy with the new house. Thanks again and take care!

- Darrin & Barbara

Mr. Berry and his team were great to work with. From the very start, they had my best interest in mind and took care of everything in a very professional manner!

- Alan B.

Mike was extremely knowledgeable about the lending process. He helped us lock-in the lowest rate. He was very transparent with everything that we were signing. We were very grateful for Mike’s assistance during our home buying process.

- Julia

If you are looking for mortgage or refinance, Mike Ott is your guy! He’s a trustworthy person to do business with and he helped us save $200 a month on our mortgage!  Thanks Mike.

- Shaun & Lauren B.

Brad & Samantha always go above and beyond. They think outside the box and come up with creative solutions to keep my clients happy. This time Brad personally met my client so she wouldnt have to scan documents at Staples. Stellar job, yet again!

- Cassandra L. (Realtor)

James was really great. He was available to talk to the sellers agent when they were deciding between offers, which helped strengthen our offer. He gave us lots of information to help us understand our options and decide what loan was best for us. James was also very communicative throughout the process, and was quick to address questions. Both of the realtors involved were positive about his service.

- Redfin Purchaser

I was impressed that there were no “last minute” surprises. Having closed on several other properties where that occurred, I kept waiting for something like that to happen here. And it never did. Things happened when they were scheduled to happen and without any incident. It was a very smooth transaction.

- Keith B.

I started my home buying process December 19th 2018 I will be going to closing February 15th. I can’t thank Jeffery and the team enough for making this process as easy as it has been. I’m still in shock that I bought my first home. If you are in the market to buy a home give Jeffrey a call you’ll be glad you did. He and the team at First Heritage are the best they answered any and all of our questions we had the same day. Jeffrey made sure we were comfortable throughout the whole process by keeping my wife and I updated with each step of the way and what to expect next. I will recommend Jeffrey and First Heritage without a doubt. Thanks again I really appreciate your support throughout the process.

- Aaron D.

Jim was very helpful and knowledgeable about the loan process. He was informative about the different loan options we could choose from and always available to answer any questions day or night. He was able to close our loan on our second home in three weeks! He went above and beyond and we would highly recommend him to any and every one.

- Deb & Chris I.

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