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!

See Our Products

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.

See Our Resources

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.

Learn More

A Sampling of Our Awards & Honors


Take It From Our Customers


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.

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.

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.

Ryan once again has proven and delivered exceptional and seamless experience with my refinance, no reason to go someplace else. Thank you, Ryan!

- Sharlon S.

My husband and I used Ryan twice, and each time his service and attention to us was exceptional. Our situation was unique. We purchased our home approximately six months before we got married. We were both first time home buyers and could not use my husband’s VA benefits since we weren’t married at the time. Ryan explained all our options in detail so we were able to choose the best option for us. We were so pleased with his service that we contacted him again a year later to refinance our home to make use of my husband’s VA benefits. My husband and I appreciated all of Ryan’s support during each process.

- Tracy A.

I was so lucky to have Ana as my mortgage loan officer, because she is very knowledgeable, very patient and as a first time buyer I had so many questions and doubts but she took the time to explain every single step and to answer every question I had. The loan process was smooth and it was done in a timely manner. I highly recommend Ana as a mortgage loan officer. When is time to refinance, I will definitely go back to her.

- Zillow

I just wanted to take a moment to say “THANK YOU”!! You and your team made the purchase of my new home an easy and pleasant experience. Every step went smoothly! This speaks to the excellent job you and every member of your team perform on a daily basis. Although I know you and your team handle multiple loan processes on any given day, I felt that every member of your team was always available to assist me at any given time with any questions that I may have had. You have the best loan processing team!!!

- Tammy T.

Just a note of thanks for the 1.5 years of support to get our loan in place. We feel we have known you for years. You’ve been absolutely wonderful to work with. That was the best cold call we ever made. Without your help we couldn’t have done it.

- K & A

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.

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.

It was a great experience and James was very personable, available and knowledgeable. He was always responsive and insightful when I posed any questions to him. The only slight snag in the process finalizing the Home Owners insurance, but it ended up working out well in the end.

- Chad F.

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.

Scott & Team, I just wanted to send out a very BIG Thank You to all of you. This has been a great experience with you all from beginning to finish and Barbara and I are very happy with the new house. Thanks again and take care!

- Darrin & Barbara

We all love this place! And all pre work documents were easy because of your help and expertise of the process. Thank you so much for your help in getting us in this home!

- Laurie E.

My wife and I were a little intimated by buying a home in the metro D.C. market due to the home prices in the area. David did a great job and breaking everything down for us piece by piece to ensure we had the financial information we needed to make a sound decision on whether or not to buy. It was an excellent experience and I am happy we chose David to finance the purchase of our home here.

- Robert M.

Liz and the team were amazing. Liz always answered my calls, texts, and emails, even on the weekend. She had a positive attitude and was always encouraging. She is the BEST loan officer I have ever dealt with. I had the best experience and everything was explained in detail, with professionalism.

- Ola 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

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.

Aaron and his  team were terrific with helping me getting all the info  together and on time. They  are good with allowing you time to get all your documents together.

- Teresa P.

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

Ready to Get Started?

Our friendly and experienced team of mortgage experts are here to help.

Talk to an Expert