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


James Walker is an exceptional loan officer. He worked through some (what I thought) were very complicated and challenging issues with me. Always providing professional advice in a clear, understandable way. I felt he went the extra mile to address my needs promptly and was always friendly and courteous. He made me feel as if my needs were his and that I was the only one he was working with. If I ever need a mortgage or loan adviser again, James will be the first person I call.

- Paul D.

I have worked with Brad McGehee and First Heritage previously and therefore I am a repeat customer. The process was extremely well organized and painless. In todays financial climate, loan processing has become an epic paper chase. Brad and his team made the process understandable and manageable. More importantly, I felt that my best interests were the priority and that First Heritage was trying to solve my problems/achieve my goals and not trying to maximize their financial gain.

- Ken T.

I was very impressed with Vivian Daniel’s professionalism and responsiveness. I submitted an application over 10 months ago while our home was being built. Whenever I had a question, needed more clarity, or simply to weigh options Vivian was always a phone call or email away. Vivian comes highly recommended by our family because of her high job knowledge, customer service, and her ability to relate to customers who don’t deal with the mortgage industry every day. She is an asset to your team!

- Zachary M.

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.

It was one of the best banking experiences I think I ever had with a client. Phil and his team were on their game the whole time and gave us no reason to panic at the end. Most of the mortgage loans surprise you at the end of the process and settlements get delayed. Not this time!

- Ron T. (Realtor)

Two years ago, Chris Kelly and his team helped us refinance the existing mortgage on our property [Williston] in Orange County, Virginia. Chris did such an outstanding job that we were able to not only realize much better repayment terms on our Williston property, but also to invest along with our daughter and son-in-law in a beautiful 200 plus year old house in Breezewood, Pennsylvania that has now been fully restored into a B&B, The 1788 Inn. In the 48 years that my wife and I have bought and sold property, we have never found a better real estate professional to work with than Chris Kelly. If we are ever involved in another real estate transaction, we would definitely want to do it with Chris Kelly.

- Joseph V.

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.

Chris and his team have helped out with both of my mortgages to date. I could not have asked for a more streamlined or pleasant experience from someone. His helpfulness and attention to customer service has earned my repeat business. Had it not been for these excellent qualities, I may have not purchased my second home. I would highly recommend him and his team for future purchases and/or home mortgage advice.

- Minh V.

My client was slow in responding to requests for documentation and the First Heritage team diplomatically worked with her to get everything needed in time.

- Tammi C. (Realtor)

As a top producing real estate agent in Virginia I get approached weekly from every lending agency under the sun, trying to earn my business. I recommend and use David Bridges as my primary lender for 3 main reasons.
Honesty- David does not operate in gray areas. He is truthful and concise with every buyer. There is never a surprise at settlement!
Integrity- David operates at the highest levels of moral and professional ethics. He can be counted on to always choose the more difficult Right Path, than the easy wrong one.
Customer Service- When I put my clients in touch with David, I am always 100% confident that they will be treated with the utmost respect and professionalism, and presented with the absolute best mortgage programs available.
David can Make Things Happen where others lenders fall short!

- Sid S. (Realtor)

My wife and I had a great experience with First Heritage. This was our first new construction purchase and between the builder (Stanley Martin) and First Heritage, we could not have asked for an easier process. Ms. Bidwell and Ms. Daniel were very attentive, responsive and knowledgeable and they turned what could have been a stressful event into a non-event. Could not have asked for a more dedicated team of loan officers

- Adekunle F.

Our experience with David was phenomenal, as he was simply a pleasure to work with. Not only is David extremely knowledgeable in his field, but he was very easy to communicate with. David had our backs throughout the entire home loan process, as he was always available and willing to answer questions, along with talk us through whatever stage of the loan process we were in. He made sure he did everything he could to provide us with a competitive interest rate, as well as educate us about our home loan. David has an amazing work ethic and went above and beyond for us to ensure our needs were being met. We will definitely be using David down the road when its that time for our family to buy again.

- Donavan & Rebekah M.

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.

Chris was great to work with. He used his skills and knowledge of the mortgage industry to bail us out of a difficult situation. We were referred to him at the last minute due to issues we were having with another mortgage company. Chris worked with his management and went above and beyond to successfully close our loan on time. I highly recommend Chris!!

- Nicole T.

Ryan was very easy to work with. He was responsive and courteous. Ryan answered all the questions I had with care and respect. I would definitely recommend Ryan to my friends and family.

 

- Stephanie 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.

I had great hesitation going into refinancing, I had heard all the horror stories. Working with Scott Kinne at First Heritage Mortgage was quite the opposite. Every step was clearly explained, there were dedicated professionals to answer all questions and all calls/e-mails were answered very quickly! Overall this experience couldn’t have been better. I would highly recommend anyone considering refinancing to consider working with Scott Kinne at First Heritage, you won’t regret it.

- Jeffrey M.

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.

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.

James was really great. He was available to talk to the sellers agent when they were deciding between offers, which helped strengthen our offer. He gave us lots of information to help us understand our options and decide what loan was best for us. James was also very communicative throughout the process, and was quick to address questions. Both of the realtors involved were positive about his service.

- Redfin Purchaser

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