Augusta Home Mortgage Lender | First Heritage Mortgage

Welcome to Augusta!

We can't wait to welcome you to Augusta

At First Heritage Mortgage, we know a home represents far more than 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 shape your future with confidence.

Loans for every buyer

Home mortgage loans

We understand that no two homebuyers are exactly alike. That’s why we take great pride in offering a truly diverse range of mortgage options designed to fit your personal needs, financial situation, and lifestyle goals in Augusta. From the predictable consistent payments of a fixed-rate mortgage to the flexibility of an adjustable-rate mortgage (ARM), our solutions are crafted to adapt seamlessly as your circumstances evolve over time.

Our fixed-rate mortgages provide budgeting simplicity and peace of mind, with principal and interest payments that won’t fluctuate over the loan term, effectively insulating you from market volatility. Our terms range from 10 to 30 years, and we’ll work closely with you to carefully identify the option that best aligns with your long-term plans and current financial profile.

If you anticipate major life changes like relocating for a new job opportunity, changing careers, or refinancing in the near future, our ARM products could be an ideal fit. You’ll enjoy lower initial rates combined with a fixed-rate period upfront — letting you capitalize on competitive pricing while retaining valuable flexibility down the road.

As experienced Augusta home mortgage lenders, we specialize in government loan programs like FHA, VA, and USDA options, which offer unique benefits like low down payment requirements, more relaxed credit qualifications, and attractive rates. Our knowledgeable team will guide you through every detail to ensure you get the most out of these programs.

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Build loans

Construction and renovation loans

Envisioning your perfect custom new construction? Or dreaming of reviving an existing property through renovations? Our seasoned lending professionals are here to support you throughout the entire process.

Whether building from the ground up or revitalizing a fixer-upper, we offer specialized construction and renovation loans purposefully tailored to the specific scope and needs of your project. From acquisition and development financing to renovation mortgages, our smart loan solutions will fund each phase smoothly.

Loan programs

Refinancing and Speciality Loan Programs

Sometimes, your home needs change. If you’re considering refinancing to reduce monthly mortgage payments, shorten your outstanding loan term, or tap into your home’s equity, our dedicated refinancing team will take the time to carefully review your goals and ensure we identify the ideal path forward. Whether it’s reducing your current interest rate, adjusting your loan term length, or accessing equity for goals like renovations, debt consolidation, or education costs, we’ll work together to determine the right solution for your unique situation.

For homebuyers with more complex needs like second mortgages, bridge loans, or portfolio loan programs, our experienced Augusta mortgage experts will work with you to explore every option to craft a perfect financing solution that meets your specific circumstances and future plans.

At First Heritage Mortgage, we’re more than just lenders — we’re your trusted partners in realizing your homeownership dreams. With our personalized service, transparent approach, and diverse product offerings, we’re committed to providing you with knowledgeable, honest support every step of the way.

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