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


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 Ullmann was highly responsive, professional and worked very hard to ensure everything was completed in a timely manner. I just cannot say enough good things about working with him. We had spoken with a few other lenders who wouldn’t give us the time of day. Mr Ullmann was willing to help us with what needed to be done and provided guidance every step of the way. He will always have my future business and referrals for a job well done!

- Chawn T.

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

I had the pleasure of working with Phil Denfeld and his team. They were very attentive and answered all of our questions. I was extremely impressed with Phil when an issue did arise concerning my VA loan. He personally worked with his staff to make sure the process continued and resolved the issue and we were able to close on schedule. I will be referring Phil and the entire First Heritage team to everyone I know.

- Wah Sun S.

From the first face to face to the last they guide you all the way. They keep you informed and answer any question you have or find out the answer for you. They are very honest and keep your interest number one. They go out of their way to make you feel like you’re their only client. They listen to what you want and don’t try to guide you to something you don’t want. I am truly satisfied with all of them. Everything that was in their power was handled on a timely manner. I wish that was true for the others. They could learn a few things from this family. It was an honor to get to know them all and work with them.

- Lori B.

We were both really impressed by your responsiveness. I would recommend you in a heartbeat.

- Ryan & Vanessa Y.

Tom, words cannot express my gratitude for all the help you rendered! I appreciate it all! ☺ It was a pleasure!

- Tochi

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

Very thorough and very quick! David answered all questions and addressed all concerns that I had during this process. He was very patient with me and he made me feel very comfortable. I would recommend him highly. Thank you!

- Kawanis B.

Extremely knowledgeable, professional team who are very easy to contact at any time with questions, concerns, etc. I would absolutely recommend Brad McGehee and First Heritage to anyone looking to purchase or refinance. Wish I had found them sooner!

- Douglas L.

You guys have been such a blessing. I know this journey hasn’t been easy but nevertheless it was tolerable. I would like to thank you all for not giving up and doing exactly what you said you would do from Day 1… and that was make sure I GOT MY KEYS!!!! To start my NEW BEGINNING. Thank you and in the process I feel we have gained family.

- Denise B.

The mortgage process can be so overwhelming and frustrating but Jeanne made it really digestible and approachable by keeping us in the loop and making us feel like we were her only clients!

Not only is Jeanne incredibly polished, intelligent, professional and just so wonderful and pleasant to work with, but she is just so incredibly skilled at her job. From customer service, to getting us the best product, Jeanne really delivered on every possible expectation. Nothing was too much and we cannot thank Jeanne enough for being so patient with us as we navigated the difficulties of getting qualified for a mortgage.

From the first time I spoke with Jeanne, Jeanne made me feel at ease, making me feel like I was in great hands while making perhaps the biggest purchase of my life. Jeanne literally made our dreams come true and my husband, James, and I cannot thank her enough for helping us attain our little slice of the American Dream. We love our new house and are forever thankful to Jeanne for making it all happen for us– and in such a short amount of time! We will always remember how much Jeanne has done for us.

- Julia and James W.

My process has been quick and easy. Customer service is superb. I get my questions answered and the loan process is finished right on schedule. Ana was even working with me that fit my schedule. I have a good experience with her as a first time home buyer.

- Zillow

The experience I had working with Aaron Simmons was very awesome!! During the last six months, Aaron has been very professional and has had great customer service. I would recommend him to anyone.

- Sharada G.

Vicki and I want to thank you, Chris, Rosalind and the entire First Heritage Team for all your hard work in making our loan happen. I know it’s tough to pull information from your clients when needed, but all of you do a very professional and efficient job. We value your friendship, both professionally and personally, and appreciate all you do for us and Britt.

- Vicki & Hardy P.

My wife and I had a great experience with First Heritage. This was our first new construction purchase and between the builder (Stanley Martin) and First Heritage, we could not have asked for an easier process. Ms. Bidwell and Ms. Daniel were very attentive, responsive and knowledgeable and they turned what could have been a stressful event into a non-event. Could not have asked for a more dedicated team of loan officers.

- Adekunle F.

This was my first time having such a smooth refinance experience. Ryan was very responsive and experienced. He considered all my requirements. I would recommend him to my friends.

- Refinance Customer

Mike was particularly interested and sensitive to the fact that I was shopping the loan and considering multiple Financial Institutions. He would regularly discuss those other offers with me in a fully transparent way even answering technical questions I had that were unrelated to FHM. I can’t stress enough that Mike’s professionalism and customer focused attitude was quintessential in my final lender choice.

- Jon M.

Second time buying a house. Second lender we’ve worked with. I won’t be looking for a third lender for our next house! 🙂 Y’all rock!

- Thomas W.

This was our second time working with Rob McElroy and his team. They are very easy to work with – they were very quick to answer all of our questions. Their process is so organized that it really made the process quite painless. We would definitely recommend Rob and his team to any of our friends and colleagues.

- Crystal & Bill O.

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