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


Working with First Heritage was great, and Phil’s team did an excellent job of clearly specifying everything through the loan approval process. You could tell they were definitely on the customers side, and did everything in their power to get you the most competitive rates/benefits.

- Arjun M.

Chris Kelly helped me and my wife when we refinanced our home a few years ago. We are talking to him again about a new path for our family. We’ve worked with other companies and mortgage consultants in the past, but were frankly worn out too soon by their inability to guide us through the process. They lacked enthusiasm and had a slow-to-get-back-to-us character. Chris Kelly is COMPLETELY DIFFERENT. He is responsive, patient, and highly organized. He genuinely wants to guide people through the process, understand where they are coming from and their goals, and offer options and solutions that work. He puts everything in easy-to-follow terms and is willing to address every question and concern that may surface. I cannot recommend anyone higher than Chris Kelly. Contact Chris and see for yourself.

- Ephraim H.

We were both really impressed by your responsiveness. I would recommend you in a heartbeat.

- Ryan & Vanessa Y.

We highly recommend Mike. He has helped us on many occasions and we’ve saved quite a bit of money. He is a very honest man that would work for your best interest. Give him a call.

- Sal & Marilyn G.

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.

Last year, I attended a first time home buyer seminar. Jeffrey Neilsen was the guest speaker. He explained the entire loan process in clear, concise language. He patiently answered everyones questions. When I was ready to purchase a home, I knew I only wanted him as my lender. He, and his wonderful team, once again held my hand through the entire process. My nervousness went away, because I knew I was in good hands. Their professionalism, and immediate responses to any and all questions I had, were stellar. Jeffrey even helped me secure a realtor, that I was comfortable with. Between Jeffrey and the realtor, I felt like family was helping me through this journey. It was a pleasure working with the First Heritage Mortgage team!

- Stacey P.

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.

My wife is a real estate agent and she always works with David Bridges and his team which is why I got my mortgage loan through his team as well. My wife and I trust David and his team 100% and we know that they will do their best to provide us with the right loan options. We will always work with them for our future purchases as well. David Bridges and his team rock!

- Shaun D.

Thank you for answering all of our questions and for helping make the process a smooth and transparent one. You and Karen have been very professional and diligent with us. In the future we will keep First Heritage as our first choice for mortgage lending and will tell others about the great service we have received!

- John L. & Dayana U.

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

We have used Rob McElroy for now, our second home purchase. Rob and his team were incredibly responsive, detailed and thorough. Rob was always available for any questions and reviewed all options with us. He was so helpful and we always felt more comfortable after speaking with him in what can be a very stressful situation. We recommend Rob to all of our friends and will continue to work with him for all future needs.

- Sarah M.

Thank you for responding in your usual superb manner. Immediately and always like a major ray of sunshine. I have to think the mortgage Gods are with me and I’m overjoyed with the new rate.

- Patti M.

From Jerry along with the rest of the team, we were consistently pleased with the service and responsiveness we received with our unique loan requirements. This was true from our opening meeting until our closing.

- Edward C.

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.

My experience with the First Heritage team has been incredible and as pleasant as getting a mortgage could possibly be.

- Robert R.

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.

We’ve had many refinances in the past, but this has been one of the easiest and fastest we’ve ever had. Mike did a great job helping us figure out the best loan option for our needs. He gave us a lot of great advice, and he made the whole process very seamless and straightforward. An awesome guy, and he did very well to represent your company!

- Waeil A.

When you bring people and money together in a business transaction, sometimes things don’t go as planned. To avoid the horror stories that we’ve all heard before, it takes a professional who not only has product knowledge, but understands the needs of the client first. When you can find a person who has all of these qualities, you will find Ryan King. Working with Ryan was an absolute great experience.

- Richard B.

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.

I just wanted to thank you for all of your hard work. None of this would have been possible without you. I never thought being a homeowner could be this much fun (well except for the mortgage payment). You are an awesome lender & hopefully we can do business again sometime in the near future.

- Rachel

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