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


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.

I do have to say that I did two refinances with you so apparently you’re doing something right!  And kudus to you, every question I had, and I had plenty, you were able to answer them promptly.

- Jeff J.

First Heritage Mortgage was very professional and attentive, from start to finish. I appreciate the extra lengths they went through to explain the process and policies. Everyone on the team was so knowledgeable and provided amazing customer service.

- Michelle S.

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.

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

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

I truly appreciated the personable approach that Phil and his team established and maintained throughout the process. Being that all communication was over the phone and through e-mail, it is profound that I feel I have come to actually know the team, and found their communications always clear, supportive and respectful. Truly Professional.

- John A.

Jeffrey Neilsen & FHM made us feel comfortable in the mortgage loan process. We were presented with two options, laid out in detail, as well as a few comparisons. The two options were very easy to understand…there were no ambiguity (double-talk and hidden fees). Each request was precise and succinct whereas we were able to anticipate the next step. Therefore, making the loan process smooth with nominal stress. The whole team were very professional and personable. I would highly recommend FHM to anyone that is looking for a mortgage lender that offers great loan options, knowledgeable, professional, friendly, and customer focused.

- T. Stovall

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.

Chris was very quick in responding to emails, texts, and phone calls. He also answered a lot of questions for us, and presented multiple detailed breakdowns of our different loan options. He also worked closely with our realtor to keep everything moving along smoothly.

- Andrew S.

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.

Thank you so much for all your assistance in my first home buying experience.” “I appreciate all the time you spent explaining the process , running specs and doing everything you could do to make my loan go through!

- Caroline B.

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.

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.

Tom, a huge thank you to you and your team for everything you have done for such a quick turn around. We are so very grateful and are looking forward to moving into our new home.

- Mark and Michelle

It was a great experience for us. Jeffrey Neilsen sets the bar so high for the competitors. I really feel blessed that he and the company was the one who handled my case. As I’ve mentioned, he is on top of his game and if I could rate him on a scale from 1 to 10, I’d give him 10+.

- Sophia M.

Mike is honest, knowledgeable and has assisted us numerous times over the years, saving us thousands of dollars on our mortgages.

- Cory & Kacey N.

[The] Jacobs Team has helped us with couple loans over the past few years and we have always been very pleased with their services.  Their team is extremely helpful and efficient – all questions are answered within minutes.  Very smooth process from initial application through closing.  Absolutely loved working with Will and Nancy!  Would not go anywhere else for mortgage financing.

- Mayya S.

James was with us through 10 purchase offers and five contracts (four of which did not complete for various reasons) before we finally got our house. He was patient, professional, and knowledgeable throughout the process and even answered questions and provided pre-approval letters on the weekends and in the evenings when needed. We recommend him without hesitation.

- Redfin Purchaser

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.

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