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Whether you’re ready to begin the mortgage process, or just looking for some quick advice, the experts at First Heritage Mortgage are standing by to help guide you home.

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Get Pre-Qualified

Work with our friendly team of local mortgage experts to find out how much you may qualify to borrow toward the home of your dreams.

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Find a Local Loan Expert

Find a First Heritage Mortgage loan officer who knows your community and is dedicated to finding the home loan that meets your needs

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Free Consultation

Ready to begin but don’t know where to start? Tell us a little about yourself so we can help you choose the mortgage product that’s right for you.

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Take It From Our Customers

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.

Tom and his team made our re-finance easy and understandable from start to finish. This is my third time re-financing but my first time using First Heritage. This was by far the best experience we’ve had. Every question we had was answered quickly and courteously. And we didn’t have the information void that we usually experience in these situations. You know the period after you’ve locked in with somebody and you suddenly stop hearing from them for a while? Tom and his team were easy to communicate with and were thorough and professional for the whole process. This was re-financing the way it should be. Thanks to Tom and the entire team of folks who helped us at every step of the way.

- John L.

Two years ago, Chris Kelly and his team helped us refinance the existing mortgage on our property [Williston] in Orange County, Virginia. Chris did such an outstanding job that we were able to not only realize much better repayment terms on our Williston property, but also to invest along with our daughter and son-in-law in a beautiful 200 plus year old house in Breezewood, Pennsylvania that has now been fully restored into a B&B, The 1788 Inn. In the 48 years that my wife and I have bought and sold property, we have never found a better real estate professional to work with than Chris Kelly. If we are ever involved in another real estate transaction, we would definitely want to do it with Chris Kelly.

- Joseph V.

Thank you for responding in your usual superb manner. Immediately and always like a major ray of sunshine. I have to think the mortgage Gods are with me and I’m overjoyed with the new rate.

- Patti M.

I had great hesitation going into refinancing, I had heard all the horror stories. Working with Scott Kinne at First Heritage Mortgage was quite the opposite. Every step was clearly explained, there were dedicated professionals to answer all questions and all calls/e-mails were answered very quickly! Overall this experience couldn’t have been better. I would highly recommend anyone considering refinancing to consider working with Scott Kinne at First Heritage, you won’t regret it.

- Jeffrey M.