Charleston Home Mortgage Lender | First Heritage Mortgage

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.

Home Loans

Construction & Renovation Loans

Refinance

Specialty Financing

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We can’t wait to welcome you to Charleston.

At First Heritage Mortgage, we understand that owning a home is about more than just having a place to live. It’s about building a foundation for your future and fostering a sense of pride, stability, and community. We’re dedicated to simplifying the home buying process, making it transparent and empowering you to move forward with confidence.

Home Mortgage Loans

When it comes to financing your home, we offer a range of options tailored to your needs. Our fixed-rate and adjustable-rate mortgage (ARM) options provide the stability and flexibility you need to achieve your homeownership goals.

Fixed-rate loans offer predictability, making budgeting and long-term financial planning easier. With terms ranging from 10 to 30 years, you can choose the option that best fits your goals and budget. These loans provide peace of mind knowing your principal and interest payments will remain constant throughout the life of the loan, even if market rates fluctuate. Whether you’re a first-time homebuyer or refinancing an existing mortgage, our fixed-rate options offer a solid foundation for your future.

Meanwhile, our ARM solutions blend the stability of a fixed-rate with the flexibility of an adjustable rate, allowing you to take advantage of lower initial interest rates. These loans are particularly attractive for those who anticipate moving or refinancing within a few years, as they offer competitive rates during the initial fixed-rate period.

For those seeking government-backed loan programs, we also offer FHA, VA, and USDA loans. These options provide benefits such as low down payments, flexible underwriting criteria, and competitive interest rates, catering to a range of borrowers’ needs. Our knowledgeable team will guide you through the process to ensure you can maximize the benefits of these specialized programs.

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Construction and Renovation Loans

Considering building or renovating a home? Our expert mortgage lenders have you covered. Whether you’re building your dream home from the ground up or renovating an existing property, we offer a variety of construction and renovation loan programs that provide the financing you need to bring your vision to life. From acquisition and development loans to renovation mortgages, we have solutions to finance every stage of your project.

Refinancing and Specialty Loan Programs

Sometimes, your home needs change. Perhaps you’re considering refinancing — maybe you want to lower your monthly payments, shorten your loan term, or tap into your home’s equity for cash. Our refinancing options can help you achieve your goals, whether it’s reducing your interest rate, adjusting your term length, or accessing your home’s equity for major expenses like renovations or education costs.

Or perhaps you need something more specialized, like a second mortgage, or a bridge loan. Whatever your goals are, our team of experienced lenders can help you explore your options to find the right solution. We offer a wide range of specialty loan programs tailored to meet your unique needs.

At First Heritage Mortgage, we’re more than just a lender — we’re your trusted partner on the journey to homeownership. With personalized guidance, transparent communication, and a wide range of mortgage products, we’re committed to helping you achieve your homeownership goals.

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South Carolina Loan Assistance Programs

SC Down Payment Assistance

Fixed-interest rate loans
Down payment and closing cost assistance up to $8000
First-time Home Buyers
Financing available for FHA, VA, USDA, and conventional loan programs

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SC Housing Palmetto Heroes

$12,000 forgivable down payment assistance
First-time homebuyers
Community service personnel & teachers
Members of the SC Army and Air National Guard

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Find a loan as unique as your home

Choose from a variety of mortgage solutions for whatever your specialty needs may be.

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Specialty South Carolina Programs

Buying a home in South Carolina just got better.

South Carolina offers a variety of homebuyer assistance programs designed to make homeownership more accessible and affordable for residents. From down payment assistance to mortgage tax credits, these state-backed initiatives provide valuable incentives and resources to eligible homebuyers.

Discover the benefits of the following programs and see if you qualify!

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