You’re not just making an investment in your future. You’re changing your life.

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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


Jeanne was great – thorough, responsive, and took her time in explaining everything to a first time home buyer. Thanks for making the experience easy.

- Kurt M.

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.

I have worked with Brad McGehee and First Heritage previously and therefore I am a repeat customer. The process was extremely well organized and painless. In todays financial climate, loan processing has become an epic paper chase. Brad and his team made the process understandable and manageable. More importantly, I felt that my best interests were the priority and that First Heritage was trying to solve my problems/achieve my goals and not trying to maximize their financial gain.

- Ken T.

As a retired Police Officer and someone who has purchased several homes, I was a little skeptical to refinance my second home and consolidate all my bills under one umbrella. After speaking with Jim and getting all questions answered, I can honestly tell you this was the smoothest loan process that I have ever been through. I will definitely refer anyone looking for a loan to Jim and First Heritage Mortgage. Thanks for taking good care of us!

- Lamont B.

Everyone I dealt with during my loan application and processing was professional, knowledgeable, thorough, courteous and responsive. I had a great overall experience with FHM and would readily recommend it to others.

- Anastasia H.

I have worked with Michael and highly recommend him. He was always prompt in all communications and was able to receive most of the documentation via a secure portal which made it super convenient. He provided helpful tips as well during the process.

- Gaurav J.

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.

We were uncertain of our financing options when it came to our second mortgage. Jake was not only extremely helpful, he was thorough. We feel like we made the right decision for our family, because we were informed of all of our options. If you are looking for a lender who will engage 100% with your home process, Jake is your guy.

- Aaron H.

Jake King was a pleasure to work with. He was extremely professional, knowledgeable and pleasant. Jake’s communications through the process were exceptional. He was proactive with his communications letting us know where things stood during every step of the process. He was also quick and thorough in responding to our questions. We are very happy with the terms and conditions of our loan and appreciate the great service we received from Jake. Thank you for making this process so easy.

- Dawn C.

Brad McGehee and his staff are top notch! They were recommended by close friends of ours. Brad, Samantha, and Sherry went the extra mile to guide us correctly through the loan process. There were some hurdles, but they took them in stride and kept focused on us and getting our loan set. I will recommend them to anyone that is looking to purchase a home. Thank you Brad, Samantha, and Sherry for helping us get our mountain dream home!

- Jim & Tiffany C.

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

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.

This was my first time having such a smooth refinance experience. Ryan was very responsive and experienced. He considered all my requirements. I would recommend him to my friends.

- Refinance Customer

When my husband and I decided that it was time to buy our first home we were nervous to say the least about the whole process. That was until we were referred to Jim. Jim was awesome at explaining exactly what we needed to do throughout the whole process and made our first time home buying experience a great one. He worked with us every step of the way and was always there to answer any questions we had. He made sure we fully understood the process and guided us confidently into our new home. We are forever grateful to Jim for making this process the smoothest it could possibly go. If anyone asked me who they should go to I would definitely recommend Jim Boone to ANYONE!

- Daryl & Jhanel H.

Mr Ullmann was highly responsive, professional and worked very hard to ensure everything was completed in a timely manner. I just cannot say enough good things about working with him. We had spoken with a few other lenders who wouldn’t give us the time of day. Mr Ullmann was willing to help us with what needed to be done and provided guidance every step of the way. He will always have my future business and referrals for a job well done!

- Chawn T.

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.

Tim – Stacy and I would like to take a moment to thank you and your entire team for working with us over the years – this is the third mortgage that we have done with you since we first signed the contract on our primary residence with Stanley Martin in 2010. Through your knowledge of the market and our unique situation (both were clearly required), we are FINALLY able to refinance our condo. While other people may have walked away from a property that was significantly under water, we feel validated that we never missed a payment on the property even though we didnt know when or if we would be able to refinance it. Doing the right thing can pay off – not to mention keep your credit score over 800! I anticipate our family having over $1,000 more a month in light of this refinance. We will continue to recommend you and First Heritage Mortgage to everyone we possibly can!

- Jim & Stacy S.

Jeffrey and his team are AMAZING!! From the moment I spoke to Jeffrey I felt a sense of honesty. He is highly professional, extremely knowledgeable, and responsive. We put our trust in Jeffrey and he most definitely came through for us. We can’t thank him and his team enough for their patience as well as treating us as people rather than just home loan customers. Jeffrey most definitely stands above the rest and I will recommend him to every person I know who is in need of financing.

- Amy Y.

This was our second time working with Rob McElroy and his team. They are very easy to work with – they were very quick to answer all of our questions. Their process is so organized that it really made the process quite painless. We would definitely recommend Rob and his team to any of our friends and colleagues.

- Crystal & Bill O.

We have worked with John for years, in our old house to refinance and in our current house’s purchase. We have readily given our friends and family over to him for going on almost a decade. He works to find the solution that BEST fits your family. He takes on the hardest of projects simply because he is driven to help everyone. So many times he is taking a call and working on a deal in the off hours because he knows that’s what is going to take make a loan happen for his clients. You soon learn that you are more than just a client but truly a valued partner. He never stops at the easy solution but keeps brokering a best fit for each person’s situation. He understands we all have crazy, hectic lives and finds a way to get us to the finish line with the least amount of stress and total bliss. John is by far the most professional, hardest working loan officer you may ever find. Whether you want a run of the mill refinance or need to work out a new home purchase, John puts in the time to get you into the loan that is going to the best solution for you. He is “MY Mortgage Guy.” The contact everyone needs to have.

- Marian L.

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