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


Linda and I would like to thank you for your work on our refinance. We have been pleased with the timeliness and trouble free process that occurred. As was the case when we first purchased the home, it was a pleasure doing business with you again.

- Brian & Linda

We highly recommend Mike. He has helped us on many occasions and we’ve saved quite a bit of money. He is a very honest man that would work for your best interest. Give him a call.

- Sal & Marilyn G.

I have worked with Chris twice as a buyer. Obviously, I was extremely pleased with my first experience with Chris because 6 years later, I went back to him. Chris gives exceptional service. He is deeply knowledgeable, and his response rate is very fast. Also, Chris has sterling integrity, so you can trust him completely. He is very easy to work with because he is understanding and flexible. Moreover, Chris will work tirelessly to get the best results for his clients. I highly recommend Chris, and I have recommended him to friends and colleagues. You will be completely satisfied with your experience with him.

- Bonnie C.

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.

Jeffrey and his team (Etmar and Leann) were an excellent choice for our home buying experience. Pain free and easy process. They walked us through the complete process. Their app was easy to use and so convenient.

- Guillermo S.

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.

David has your best interest in mind and is constantly working to get you the best deal. I was very pleased with his knowledge and ability! 10 out of 10!

- Joshua C.

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.

Working with Chris was great! Chris was very knowledgeable and helpful from the first moment we spoke on the phone up until the date of our closing. Chris is a straight shooter, who worked hard to get us the best loan/deal we could on everything, was honest and upfront with us and was very efficient in his work, communicating in very timely fashion and very thoroughly. I would HIGHLY recommend Chris to anyone looking for a lender they can work with easily and trust to take them through the process seamlessly.

- Denver D.

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.

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.

Thank you for assisting me to refinance my loan. I really appreciate your time and effort that you have put to materialize this deal. I was able to reach you anytime and you have clarified all of my doubts. Your timely guidance on interest rate locking and closing was the secret of this success. As a client, I am amazed by your orientation skill. It was pleasure doing business with you and your team. I will definitely refer you to my friends for potential loan applications.

- Prem A.

Jake King was a pleasure to work with. He was extremely professional, knowledgeable and pleasant. Jake’s communications through the process were exceptional. He was proactive with his communications letting us know where things stood during every step of the process. He was also quick and thorough in responding to our questions. We are very happy with the terms and conditions of our loan and appreciate the great service we received from Jake. Thank you for making this process so easy.

- Dawn C.

I know I’ve never actually spoken to you, since Thomas tends to handle all of the big financial things in our family—-not my forte! But I just wanted to send a note to say a huge thank you for your hard work and all that you have done for us!!! I felt so much better after Thomas said you were able to work with us on this new home adventure. Just wanted you to know how much we appreciate you!

- Maria & Thomas C.

Michelle and I greatly appreciate your expert-level knowledge of the mortgage industry and your stellar customer service.  These attributes explain why we are long-time, repeat customers.  Rest assured, we won’t hesitate to call you again or to refer our family and friends to you.

- Brian and Michelle M.

As a small business owner, my loan process is complex with the need for many supporting documents. The team was extremely helpful throughout the process and made it as easy as it could be. I offer a strong recommendation for Lee and First Heritage Mortgage.

- Mark C.

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.

We have worked with John for years, in our old house to refinance and in our current house’s purchase. We have readily given our friends and family over to him for going on almost a decade. He works to find the solution that BEST fits your family. He takes on the hardest of projects simply because he is driven to help everyone. So many times he is taking a call and working on a deal in the off hours because he knows that’s what is going to take make a loan happen for his clients. You soon learn that you are more than just a client but truly a valued partner. He never stops at the easy solution but keeps brokering a best fit for each person’s situation. He understands we all have crazy, hectic lives and finds a way to get us to the finish line with the least amount of stress and total bliss. John is by far the most professional, hardest working loan officer you may ever find. Whether you want a run of the mill refinance or need to work out a new home purchase, John puts in the time to get you into the loan that is going to the best solution for you. He is “MY Mortgage Guy.” The contact everyone needs to have.

- Marian L.

The experience I had with Aaron and his team at First Heritage Mortgage was “First Rate”! The loan process was seamless and quick and being able to get almost 90% of all of the required documents signed online was a breeze. Everyone was very courteous and professional. I will definitely be referring everyone I know to First Heritage and will use them again in the future!

- Edwin N.

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

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