Charlottesville 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

Connect with a Loan Officer

We can’t wait to welcome you to Charlottesville.

At First Heritage Mortgage, we understand that a home isn’t just a physical space — it’s where memories are made and dreams take shape. Our mission is clear: To make the journey to homeownership as smooth as possible, giving you the confidence to shape your future.

Home Mortgage Loans

We recognize that every homebuyer is unique, which is why we’re delighted to offer a diverse array of mortgage solutions tailored specifically to your needs, financial situation, and goals in Charlottesville. From the consistency of fixed-rate mortgages to the flexibility of adjustable-rate mortgages (ARMs), our solutions are crafted to seamlessly evolve with your changing needs over time.

With our fixed-rate mortgages, you’ll experience the reassurance of consistent payments throughout the loan term, shielding you from market changes. 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 transition 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 leverage competitive pricing while retaining flexibility down the road.

As experienced Charlottesville 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.

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Construction and Renovation Loans

Whether you’re dreaming of a custom-built home in Charlottesville or planning to renovate an existing property, our experienced lending professionals are here to support you at every turn. 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 serve you throughout the entire process.

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 Charlottesville team will carefully assess your goals to chart the optimal course forward. Whether it involves reducing your current interest rate, adjusting your loan term, or using equity for renovations or debt consolidation, we’ll collaborate closely with you to find the perfect solution.

For homebuyers with more complex needs such as second mortgages, bridge loans, or portfolio loan programs, our experienced Charlottesville mortgage experts will explore all avenues to craft a personalized financing solution that perfectly aligns with your circumstances and future plans.

At First Heritage Mortgage, we’re not just lenders—we’re your partners in realizing your Charlottesville 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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