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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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 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.

Our experience with First Heritage Mortgage was excellent. Everything was completed on time and efficiently. John Cataliotti was fantastic. He always responded promptly to all of our questions, no matter how late it was. He even came to the closing of our house to make sure things went smoothly.

- Rumana R.

Jeffrey and his team went above and beyond my expectations to help me with every step of the process. Keep up the great work guys! Couldn’t have made it without you!

- Nedelin M.

This is my second time using FHM, and will continue to use them for ALL real estate transactions I have in the future. I recommend FHM to EVERYONE who mentions an interest in purchasing, refinancing, or even questions that need to be answered by a professional in the industry. I referred a friend to Bruce, who needed guidance regarding a previous loan with a different lender. I know for a fact that he was able to put her mind at ease in mere minutes with her situation, and instantly secured a future customer. After speaking to him on the phone for just a few minutes, she raved about his knowledge. Taking the time, always being available, providing extensive knowledge…these are the attributes of a consummate professional in the industry…and Bruce Rider is that person. Big thanks, again, to Bruce and FHM!!

- John M.

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

- Tochi

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.

After comparing with over 5 lenders, we settled on First Heritage Mortgage based on the outstanding interest rate and closing fees. Thank you so very much for all of your help in securing our loan for our new home. You were organized, thorough, and professional, as well as caring which made all of the difference in our interactions with you. You were completely upfront about the costs and whether the deal made sense financially. I really appreciate everything Mr. Kinne did for my husband and I to finance our mortgage. We will certainly contact Mr. Kinne for our next loan and we will not hesitate to recommend him to our friends.

- Shahla M.

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.

Michael Travis is the consummate professional.  He followed the market and called me on two separate occasions to take advantage of record low rates and refinance my house.  Thanks Mike, I’m still sitting on a rate that is the record low for a 30 year fixed.

- Robert W.

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.

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.

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

- Robert R.

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.

I have applied for mortgages to purchase or refinance a home approximately two dozen times in my lifetime. The First Heritage people we worked with were undoubtedly the best, most professional, and personable group I have ever worked with. Everyone we worked with was very helpful, timely in their responses to questions, very personable, and extremely knowledgeable. I could not have wished for a better experience.

- Jeff A.

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.

On behalf of my wife and I, we would like to thank you for assisting us throughout our refinance process. I want you to know that your institution offers the easiest and most stress free process that we have been through. All of the financial stuff is foreign to my wife and me, but you made it as simple as it could be. I personally want to thank you for being patient with me throughout this process because I know that I can sometimes be hard to deal with. Again, thank you and we recommend your services to everyone we know.

- Sergeant D.S.S.

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.

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.

We have been in our first house for a year. As we count our blessings we remember you and all your help through the home buying process. Thank you for helping us last year. We are so happy in our home.

- Paul & Erin

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.

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