Blacksburg Home Mortgage Lender
Connect With Our Blacksburg Team
Whatever you need, we've got you covered.
One size doesn’t fit all. That’s why we offer a range of mortgage options that go beyond conventional programs.
We can’t wait to welcome you to Blacksburg.
At First Heritage Mortgage, we know a home isn’t just four walls and a roof — it’s where you put down roots and create cherished memories with loved ones. Our mission is clear: To simplify the journey to homeownership, empowering you to take the reins with confidence.
Home Mortgage Loans
We know that each homebuyer is unique, which is why we’re thrilled to offer a diverse array of mortgage solutions tailored specifically to your needs, financial circumstances, and lifestyle goals in Blacksburg. From the stability of fixed-rate mortgages to the versatility of adjustable-rate mortgages (ARMs), our offerings are crafted to seamlessly adapt to your needs over time.
With our fixed-rate mortgages, you can enjoy the simplicity and peace of mind of consistent payments throughout the loan term, shielding you from market fluctuations. We offer terms ranging from 10 to 30 years, and we’ll collaborate closely with you to identify the option that best aligns with your long-term objectives and current financial position.
If you anticipate significant life changes such as a career shift or future refinancing, our ARM products may be the perfect fit for you. Benefit from lower initial rates coupled with a fixed-rate period upfront, enabling you to capitalize on competitive pricing while retaining flexibility down the line.
As experienced Blacksburg home mortgage lenders, we specialize in government loan programs like FHA, VA, and USDA options, which offer distinct advantages such as minimal down payment requirements, relaxed credit criteria, and appealing rates. Our knowledgeable experts will guide you through every step to ensure you make the most of these programs.
Construction and Renovation Financing
Whether you’re envisioning a custom-built home in Blacksburg or dreaming of renovating an existing property, our experienced lending professionals are here to assist you at every turn. From financing ground-up construction to facilitating renovation projects, we offer tailored solutions designed to meet the unique scope and requirements of your venture. With options for acquisition and development financing as well as renovation mortgages, our loan solutions will support you throughout the entire process.
Refinancing and Specialized Loan Programs
As your homeownership needs evolve, so do our solutions. If you’re thinking about refinancing to lower your monthly mortgage payments, shorten your loan term, or access your home’s equity, our dedicated Blacksburg team will consider your goals to identify the optimal path forward. Whether it involves reducing your current interest rate, adjusting your loan term, or leveraging equity for renovations or debt consolidation, we’ll collaborate closely with you to find the right solution.
For homebuyers with more complex requirements such as second mortgages, bridge loans, or portfolio loan programs, our experienced Blacksburg mortgage experts will explore all options as they craft a personalized financing solution that perfectly aligns with your circumstances and future plans.
At First Heritage Mortgage, we’re not just lenders — we’re your trusted partner on the journey to homeownership. With personalized guidance, honest communication, and a range of mortgage products, we’re committed to helping you achieve your homeownership goals.
Virginia Homebuyer Programs
First-Time Homebuyer
- Credit score as low as 620
- Low, fixed interest rates
- $0 downpayment or second mortgage financing
- Liberal credit qualifying options
- 2% DPA grant as downpayment assistance
Closing Cost Assistance Grant
- Program income limits
- Eligible RHS or VA loans
- Up to 2% of purchase price for closing costs
- No need to repay
Down Payment Assistance Grant
- Percentage of purchase price to help with down payment
- Up to 2% of purchase price
- No need to repay
- May not be used with other down payment assistance resources
Second Mortgage
- First-time homebuyers
- No downpayment cash needed
- Fixed rate on 1st and 2nd mortgages
- Borrowers carry 1% of sales price
- No cash back
- Use for down payment assistance
Specialized Virginia Programs
Finding your dream home in Virginia just got easier. Explore the following programs today to determine if you qualify!
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Begin your journey towards home ownership today.
Blacksburg,VA 24060