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


Rob and his team were great to work with. They were always prompt to respond, explained the documentation well and gave plenty of reminders as to what information they needed. If questions came up regarding the loan or related documents, they were there to answer questions and give directions on fulfilling the requirements for obtaining the loan. They were instrumental in closing the loan/home purchase promptly.

- William H.

Very efficient and friendly people to work with on our loan process.

- Janice M.

Great working with this team. They navigated a difficult purchase with many moving pieces and responded quickly to questions and issues. We would work with them again.

- Mary H.

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.

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.

We just wanted to send you a short email to thank you for making our home buying smooth and easy. We appreciate everything that you did and if we know anyone looking to buy a home we will refer you. Thank you again so much.

- Anne and David E.

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.

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.

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.

Need the best possible service for all of your home loan needs? Than look no further!! Aaron Simmons is among the best of the best. I have worked with many loan officers, and I have yet to come across any that possess his drive, integrity, and attention to detail. Whether you’re buying your first home or your 5th, you will get the same level of excellent service every. single. time. You will not be disappointed!!!

- Marc 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.

Tom, we want to thank you and all your staff for the excellent service that all of you have provided. As four years ago, you gave us the best available options and definitely you will continue to be our first option in any future mortgage transaction.

- Pedro and Paola

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.

My husband and I came into First Heritage Mortgage with the hope of getting a fixed rate and a lower monthly payment for our 1st and 2nd mortgage. Mike Ott worked very hard to come up with several options for us and worked very hard to get a fair appraisal so we could get the best rates. The online processes were easy to use to upload documents and sign documents. The closing went quickly and we had no last minute issues. I highly recommend Mike Ott and First Heritage Mortgage.

- Ray & April R.

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

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.

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.

Jeffrey and his team (Etmar and Leann) were an excellent choice for our home buying experience. Pain free and easy process. They walked us through the complete process. Their app was easy to use and so convenient.

- Guillermo S.

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.

Second time buying a house. Second lender we’ve worked with. I won’t be looking for a third lender for our next house! 🙂 Y’all rock!

- Thomas W.

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