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

Brad & Samantha always go above and beyond. They think outside the box and come up with creative solutions to keep my clients happy. This time Brad personally met my client so she wouldnt have to scan documents at Staples. Stellar job, yet again!

- Cassandra L. (Realtor)

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.

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

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.

You will not regret having David Bridges and his team as your lender….hands down! I cannot say enough good things about David and his team. He is genuine and professional, key attributes for this type of business. He is very knowledgeable, gave us great counsel on improving credit, and got us an excellent interest rate in the end. David answered promptly and thoroughly all of my questions, (I had a lot of questions) he makes a gigantic transaction go smoothly! His staff, Elaine and Kim, are equally as courteous and professional, they take you by the hand every bit of the way through the mire of paperwork needed!

- Reuben M.

Jake led the smoothest process we have been a part of as home buyers. He clearly outlined what was needed, thoroughly explained the documents, answered questions, and made the entire process stress-free.

- John N.

We have refinanced with Chris four times. He is professional, thorough, reliable, and has a friendly approach. Hes very accessible and no question goes unanswered. All of these attributes are extremely important to make your loan process go as smoothly as possible. We will continue to use Chris as we hope to find a vacation home soon.

- Michael S.

As stressful as buying a home is, Ms. Whitney was very knowledgeable and made me feel very much at ease as the process went along. She kept me up to date with every little detail and worked very closely with my Realtor to ensure no major issues would arise. She was a blessing.

- Amy 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.

I gave Whitney the highest possible marks in all phases, not to be nice, but because she earned them. She led us through what I considered to be a MAZE of requirements, questions that baffled me, and some that out right frustrated me from the Underwriters. She was patient and thoroughly understood and was empathetic to my frustrations and feelings. Would I recommend her, you bet, to VA or any other home loan seekers. If we ever for whatever reasons go through this process again, she will be the first person we contact.

- Phillip C.

After comparing with over 5 lenders, we settled on First Heritage Mortgage based on the outstanding interest rate and closing fees. Thank you so very much for all of your help in securing our loan for our new home. You were organized, thorough, and professional, as well as caring which made all of the difference in our interactions with you. You were completely upfront about the costs and whether the deal made sense financially. I really appreciate everything Mr. Kinne did for my husband and I to finance our mortgage. We will certainly contact Mr. Kinne for our next loan and we will not hesitate to recommend him to our friends.

- Shahla M.

Jeanne Bidwell is far and away the most polished, knowledgeable and pleasant loan professional with whom I have ever worked.

- Charles C.

I am a first-time homebuyer and young (26 years old). This was not only my first mortgage, but the first loan I have ever taken out (save for credit cards/student loans). My loan application was a little tricky as I just switched from a 1099 worker to a W2 wage earner two months before my loan closed. Chris and Kiara were there 100% of the time and answered every question I had quickly and let me know ASAP what additional documentation was needed. Not only would I recommend First Heritage, but the dream team of Chris and Kiara was great.

- Maxwell C.

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.

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.

I owe you the thanks. I really appreciate you working with us on the long road we traveled. It was a pleasure working with you. Thank you for helping to make our dream become a reality.

- Andy H.

A team assumes the personality of their leader and Mr. Jerry Berry is a great leader. Mr. Berry and his team were accessible and displayed exceptional integrity and professionalism. These attributes are what sets Mr. Berry and his team apart from others. I have a lot of experience in dealing with people and Mr. Berry is the best and he knows the mortgage business! Great experience refinancing our house.

- Harvey R.

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

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.

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.

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