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


Jake is very professional and prompt, I appreciate his kindness and hard work. If you need someone to get your loan done, call him right away! I look forward to working with him again.

- John T.

Mr. Bridges and his team were professional and always friendly when helping me with the process. I truly enjoyed my experience with First Heritage Mortgage.

- Nathan R.

I can’t even begin to describe how professional, courteous, and responsive Whitney O’Meara has been throughout our home loan process. The treatment we have received from Whitney and the rest of the team at First Heritage Mortgage has been far beyond our expectations. Whitney is straight forward and prompt, making the loan process quick and painless. She kept us updated along the way and has gained clients for life! I will always turn to First Heritage Mortgage for our home loan needs and recommend friends, family, and coworkers based solely off the treatment we received from Whitney and her team. Thank you so much for this wonderful experience.

- Makita 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.

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)

David made my purchasing experience less stressful by always answering my questions and guiding me through the process. The service he provided made the process move quickly and smoothly through to closing. I was able to do a remote settlement since I was out of state. It was all arranged for me and the very knowledgeable Title Rep who came to my home was very friendly and thorough. Thank you for a great buying experience.

- Peggy W.

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.

Thank you Scott for all your assistance in the purchase of our new home. If not for your guidance we probably would have kept on renting a much smaller place and not the beautiful home we now have! Be assured, we will be sending all our friends and family to you in the future. Thanks again.

- Joseph & Lynn

James answered my many questions and provided detailed loan and rate options. He went to bat for me with the listing agent to close the deal and even took her call at 6:15 am to do so. James is very personal, knowledgeable, and available to go through the HUD-1 info. James went out of his way to attend the closing to provide the next level of service. I look forward to working with James for any refis or loans in the future.

- Redfin Purchaser

When my husband and I decided that it was time to buy our first home we were nervous to say the least about the whole process. That was until we were referred to Jim. Jim was awesome at explaining exactly what we needed to do throughout the whole process and made our first time home buying experience a great one. He worked with us every step of the way and was always there to answer any questions we had. He made sure we fully understood the process and guided us confidently into our new home. We are forever grateful to Jim for making this process the smoothest it could possibly go. If anyone asked me who they should go to I would definitely recommend Jim Boone to ANYONE!

- Daryl & Jhanel H.

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.

Tim – Stacy and I would like to take a moment to thank you and your entire team for working with us over the years – this is the third mortgage that we have done with you since we first signed the contract on our primary residence with Stanley Martin in 2010. Through your knowledge of the market and our unique situation (both were clearly required), we are FINALLY able to refinance our condo. While other people may have walked away from a property that was significantly under water, we feel validated that we never missed a payment on the property even though we didnt know when or if we would be able to refinance it. Doing the right thing can pay off – not to mention keep your credit score over 800! I anticipate our family having over $1,000 more a month in light of this refinance. We will continue to recommend you and First Heritage Mortgage to everyone we possibly can!

- Jim & Stacy S.

Lee walked us step by step through the process of our mortgage. He went out of his way to make himself available to meet with us and answer our questions. He was proactive and ensured that we closed on time. We were very impressed with his expertise and would highly recommend him to anyone trying to procure a mortgage.

- Isaac D.

Thank you for being such a huge help, Brandon. Working with you made the process less complicated and (virtually) painless.

- Russell K.

Amazing work and professionalism throughout the whole process Samantha and Jennifer were extremely responsive and made a major life decision easy and very feasible. I would use them and recommend to my colleagues 10x over!

- Talia B.

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 truly had a great experience working with Jeff, Etmar, and Leann on the purchase of my first home. I never felt in the dark with the process and was able to get information anytime I needed in regards to any changes. Everyone put their all into helping me have the smoothest process ever. I would certainly recommend them.

- K. Smith

You will not regret having David Bridges and his team as your lender….hands down! I cannot say enough good things about David and his team. He is genuine and professional, key attributes for this type of business. He is very knowledgeable, gave us great counsel on improving credit, and got us an excellent interest rate in the end. David answered promptly and thoroughly all of my questions, (I had a lot of questions) he makes a gigantic transaction go smoothly! His staff, Elaine and Kim, are equally as courteous and professional, they take you by the hand every bit of the way through the mire of paperwork needed!

- Reuben M.

I owe you the thanks. I really appreciate you working with us on the long road we traveled. It was a pleasure working with you. Thank you for helping to make our dream become a reality.

- Andy H.

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

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