As seen in the Smart Living: Northern Virginia special section of Good Housekeeping, July 2017.

Imagine having the stability and freedom of owning your own home, while still maintaining the flexibility that renting allows. Growing families, economic downturns, and various other scenarios may cause sudden life changes for the modern homebuyer. With Mortgage +Plus Down Payment Protection, First Heritage Mortgage enables homebuyers to buy with confidence – knowing their hard-earned down payment investment can be protected, should they want or need to make a move within the first few years of owning a home.

“There’s a lot of insurance in our industry that protects the lender,” says President Alex Wish of the unique product. “For the first time, there’s an option that protects the homeowner’s down payment.”

First-time and experienced homebuyers alike are eligible to participate in the Mortgage +Plus program, exclusively available in the Mid-Atlantic region from First Heritage Mortgage, which protects down payment funds in a homebuyer’s first three-to-seven years of their mortgage.
“It’s removing the fear from home buying and replacing it with peace of mind.”

Mortgage +Plus coverage is provided to FHA-loan borrowers at no cost, but conventional loan borrowers have the option of purchasing coverage, too.

“It’s important to mention,” says Wish, “that we don’t get paid for this. We just think it’s a valuable thing to offer clients. It’s removing the fear from home buying and replacing it with peace of mind.”

First Heritage Mortgage offers a wide array of mortgage-loan products, including conventional loan programs, VA loans, a variety of construction and home renovation loans, extended rate lock options, refinance solutions, and more.


*NOTE: Coverage restrictions apply. Please refer to for important information and disclosures on Mortgage +Plus℠ down payment protection and how it works.

Mortgage +Plus by First Heritage Mortgage is distributed by PVI Agency, LLC. PVI Agency, LLC dba ValueInsured is a licensed agency in all 50 states and the District of Columbia, and is not affiliated with First Heritage Mortgage. Terms and conditions of the insurance described herein as Mortgage +Plus, including pricing, are determined solely by the issuer of the coverage and not by First Heritage Mortgage. The description of Mortgage+Plus contained herein should not be considered as a solicitation nor an offer to provide such insurance in any jurisdiction whatsoever where it would be unlawful to do so. Approval of your mortgage loan from First Heritage Mortgage will not be conditioned upon your obtaining Mortgage +Plus down payment protection.