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


As working parents with two little ones and a baby on the way, we were extremely worried about the financial process. Did we have enough for a down payment? How much could we afford? Could we make it work? I was so nervous going into the meeting with Lee Sansom, and I walked out feeling confident and ready to find our new home. He was knowledgeable, took time to answer our questions, and most importantly he listened to us. Lee was also readily available to speak with us as we upped our budget a little more during the search process. He quickly gave us updated numbers so we could make well informed decisions putting in an offer. Once we found our new home, the communication with the loan processors was impeccable. Everyone was proactive, which again eased my anxiety as we packed up our old house and got ready for the move. We cannot say thank you enough for making this happen for our family! We highly recommend Lee Sansom and the First Heritage Mortgage Team. You wont be disappointed.

- Carrie C.

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.

I would highly recommend Mike Filan and the First Heritage Mortgage team. Excellent customer support and care.

- Todd C.

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.

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.

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.

I just wanted to send you a quick note to let you know how thankful we are to have met you. Not only did you educate us on financing and purchasing a home, but also provided me sound financial suggestions which I confirmed as being in our best interest with our financial advisor. Every aspect of the purchase and settlement went just as you had outlined and planned. Be assured, you will always be our Lender and I am referring you to all my friends and family. Thanks again for taking the extra time to help us. We are eternally grateful!

- Jason & Candice R.

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.

From Jerry along with the rest of the team, we were consistently pleased with the service and responsiveness we received with our unique loan requirements. This was true from our opening meeting until our closing.

- Edward C.

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.

When you bring people and money together in a business transaction, sometimes things don’t go as planned. To avoid the horror stories that we’ve all heard before, it takes a professional who not only has product knowledge, but understands the needs of the client first. When you can find a person who has all of these qualities, you will find Ryan King. Working with Ryan was an absolute great experience.

- Richard 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.

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.

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

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.

Whitney was instrumental in obtaining a pre-qualification for my home loan. I have never seen or experienced a more efficient closing process after I made an offer on my home. In three words I would describe my dealings with Whitney: Smooth as Silk.

- Kyle A.

Jeanne was great – thorough, responsive, and took her time in explaining everything to a first time home buyer. Thanks for making the experience easy.

- Kurt M.

Phenomenal team…we were able ratify our contract within 25 hours, secure our loan in most expeditious yet regulatory manner and close within 30 days of a fully ratified offer. I lived in Hawaii and was able to rapidly and securely upload my financial documents and as necessary, speak to a member of Jerry’s team whenever I had a concern, a truly phenomenal virtual process that took place over a span on 5000 miles and two times zones.

- Bernard W.

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.

We want to personally thank you for everything you have done to help us close in such a short period of time. What you have pulled off is nothing less of a miracle! And we cannot thank you enough!

- Rasaahn and Dennis

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