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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A Sampling of Our Awards & Honors


Take It From Our Customers


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

Aaron made what could have been a very stressful experience turn out to be the most enjoyable and easy process. We truly feel grateful to have him be a part of our home-buying experience. He made sure we understood everything, was always accessible, and flexible meeting with us if we needed clarification on things. Aaron truly is remarkable.

- Colston B.

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.

Thanks for all of your help and for being patient with me as a first time buyer! I said it before, but I will say it again you were really amazing and made sure you were available to help me at all times and to give your advice even when it had nothing to do with the actual mortgage process!

- Maria C.

Great working with this team. They navigated a difficult purchase with many moving pieces and responded quickly to questions and issues. We would work with them again.

- Mary H.

My husband and I had a question regarding the VA loan before we decided on a lender, so we called Michael. It was on a Sunday and he answered the phone!! The fact that he was available to answer our question on a Sunday and that we couldn’t call the other lender outside of business hours was the deciding factor for us. I really liked how responsive he was.

- Samirawit H.

It was a great experience and James was very personable, available and knowledgeable. He was always responsive and insightful when I posed any questions to him. The only slight snag in the process finalizing the Home Owners insurance, but it ended up working out well in the end.

- Chad F.

Thank you for all the help past 4 weeks. Truly appreciate it! Amazing team and work you guys do to process loans on time. You definitely earned our trust and will refer friends to you as well. Thanks!

- Srini 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.

Thank you for your help throughout this process. You have been nothing but wonderful during this whole experience and I truly appreciate all of your help and guidance in purchasing my first home! It has been nothing short of wonderful 🙂

- Greg C.

We cannot say enough good things about Mike. If you are looking to refinance or buy a home, I HIGHLY recommend him.

- Katie & Brad P.

Mr. Bridges and his team were professional and always friendly when helping me with the process. I truly enjoyed my experience with First Heritage Mortgage.

- Nathan R.

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.

Rob and his team were great to work with. They were always prompt to respond, explained the documentation well and gave plenty of reminders as to what information they needed. If questions came up regarding the loan or related documents, they were there to answer questions and give directions on fulfilling the requirements for obtaining the loan. They were instrumental in closing the loan/home purchase promptly.

- William H.

This was our 5th home purchase. Without question, Scott at First Heritage was the BEST mortgage broker we have ever worked with. He was attentive, thorough, and always available, either by text, email, or phone, to answer any questions we had. Financing a home has become such a difficult process now and Scott was a true partner with Sheri and me to make it as easy and seamless as possible. I have already recommended him to others.

- Jeff and Sheri G.

I would like to say thank you to you and your team for all your assistance throughout my home buying process. Your team have been amazing and made this a stress free process for me. I will be sure to recommend your services to others. Thanks  again for all the hard work your team did!

- Rosebery P.

Mike is honest, knowledgeable and has assisted us numerous times over the years, saving us thousands of dollars on our mortgages.

- Cory & Kacey N.

Brian, for the second time I have used you to refinance my mortgage loan even though I didn’t agree with the appraisal. The closing attorney was VERY PROFESSIONAL. As I arrived early for the closing, she was there to introduce herself and begin the closing. Usually, we all hear the “bad stuff”. That’s why I wanted to once again express my appreciation for the various professional “people” you use. Your service and the various people I dealt with were “Johnny on the Spot”. Each was on time for their appointment, and conducted themselves in a professional manner. THANKS, again, for all your help! I really do appreciate it!

- M. Mabry

If you are looking for mortgage or refinance, Mike Ott is your guy! He’s a trustworthy person to do business with and he helped us save $200 a month on our mortgage!  Thanks Mike.

- Shaun & Lauren B.

I reached out to James a few years ago to get advice on a sale that went bad and he advised me on what I need to do to get approved. He was right on with his recommendations. Fast forward to a few weeks ago. I saw a house and needed an approval letter. I got it the day I saw the house. Once we saw the house we fell in love. We put the offer in the next day. James was on it and helped the process move fast and efficient. He was communicating with us daily with all the paperwork. Took time out to explain things to us when we had questions. And trust me, I had a lot of questions. He gave us different loan scenarios so we could compare our options. So informative. During the process of closing, if I had any questions signing the paperwork, or before and during the signing, he was practically there night and day. Really saw it to the end. I would recommend James and his company as a lender.

- Angelita G.

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