Charlotte Home Mortgage Lender
Connect With Our Charlotte Team
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.
We can’t wait to welcome you to Charlotte.
At First Heritage Mortgage, we understand that a home is more than just a structure — it’s where you put down roots and create lasting memories. Our mission is simple: To make the journey to homeownership as smooth as possible, giving you the confidence to take charge of your future.
Home Mortgage Loans
We know that every homebuyer is different, which is why we’re pleased to offer a wide range of mortgage solutions tailored specifically to your needs, financial situation, and lifestyle goals in Charlotte. From the stability of fixed-rate mortgages to the flexibility of adjustable-rate mortgages (ARMs), our solutions are designed to adapt seamlessly to your changing needs over time.
With our fixed-rate mortgages, you’ll enjoy the peace of mind of consistent payments throughout the loan term, protecting you from market fluctuations. Our loan terms range from 10 to 30 years, and we’ll work closely with you to find the option that best fits your long-term plans and current financial position.
If you anticipate major life changes such as a career change or future refinancing, our ARM products could be a great fit for you. Benefit from lower initial rates combined with a fixed-rate period upfront, allowing you to take advantage of competitive pricing while maintaining flexibility down the road.
As experienced Charlotte home mortgage lenders, we specialize in government loan programs like FHA, VA, and USDA options, which offer unique benefits such as low down payment requirements, relaxed credit criteria, and attractive rates. Our knowledgeable experts will guide you through every step to ensure you get the most out of these programs.
Construction and Renovation Loans
Whether you’re dreaming of a custom-built home in Charlotte or planning to renovate an existing property, our experienced lending professionals are here to support you every step of the way. From financing new construction to funding renovation projects, we offer tailored solutions to meet the specific scope and needs of your project. With options for acquisition and development financing as well as renovation mortgages, our loan solutions will help you achieve your goals.
Refinancing and Specialty Loan Programs
As your homeownership needs evolve, so do our solutions. If you’re considering refinancing to lower your monthly mortgage payments, shorten your loan term, or access your home’s equity, our dedicated Charlotte team will carefully review your goals to ensure the best path forward. Whether it’s reducing your current interest rate, adjusting your loan term, or using equity for renovations or debt consolidation, we’ll work with you to find the right solution.
For homebuyers with more complex needs such as second mortgages, bridge loans, or portfolio loan programs, our experienced Charlotte mortgage experts will explore all options to create a personalized financing solution that fits your circumstances and future plans.
At First Heritage Mortgage, we’re more than just lenders — we’re your trusted partners committed to helping you achieve your Charlotte homeownership goals. With our personalized service, transparent approach, and diverse product offerings, we’re dedicated to providing you with knowledgeable, honest support — each step of the way.
North Carolina Mortgage Programs
North Carolina Home Advantage Tax Credit
- First-time homebuyers or military veterans
- Save up to $2000 in annual taxes
- Can be combined with NC Home Advantage Mortgage for more savings
North Carolina Down Payment Assistance
- Income limits apply
- Lower credit scores accepted (640+)
- Up to $15K in down payment assistance
- Save up to $2K a year in taxes
North Carolina Home Advantage Down Payment
- Loan forgiveness after 15 years
- First-time homebuyers and military veterans
- Must be primary residence in 60 of closing
Specialty North Carolina Programs
Buying a home in North Carolina just got easier.
Explore the following programs today to see if you qualify!
North Carolina HousingMeat the Team
Our award-winning home mortgage lenders are ready to help you get started.
Contact us
Begin your journey towards home ownership today.
Charlotte,NC