The latest in our thought leadership on all mortgage-related subjects.

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COVID-19 Update

Post At First Heritage Mortgage, our top priority is the wellbeing of our customers, employees, and the communities we serve. As the situation with COVID-19 continues to develop, we’re doing our best to keep everyone healthy and safe while maintaining efficient…
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What is Mortgage Escrow?

Post Escrow ensures buyers and sellers in the real estate process are protected. As a homeowner, it ensures you will be able to pay for your property taxes and insurance. As a seller, it provides a layer of protection for the…
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Mortgage Rate Lock: How to Lock In Your Interest Rate

Post The most important factor in your mortgage may be the interest rate. Your interest rate will determine your monthly payment and the total lifetime cost of your mortgage. Getting the best rate is crucial to your home buying journey. Understanding…
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When Is My First Mortgage Payment Due?

Post There are many components to manage as you progress through the home buying journey. In fact, your first mortgage payment is dependent on the timing of other steps in the mortgage process. Your closing date will determine when your first…
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7 DIY Tips to Keep the Critters Out of Your Home

Post Our homes become some of the warmest and safest places for many different creepy crawlies during the colder months. During the fall, insects — called “fall invaders” — begin to seek shelter for the winter. You may not even notice…
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Virginia Housing Names Two First Heritage Mortgage Loan Officers to 2020 Top Producing Loan Officers List

Post We are thrilled to announce that Virginia Housing (formerly VHDA) has named First Heritage Mortgage loan officers Jeffrey Neilsen and David Bridges Jr. to its 2020 Top Producing Loan Officers list. Each year, Virginia Housing honors the state’s loan officers…
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How Adjustable Rate Mortgages Work

Post When it comes time to choose the right type of mortgage for your new home or refinance, one of the most significant decisions you’ll make is whether to go with a fixed rate mortgage or an adjustable rate mortgage (ARM). …
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