Durham Home Mortgage Lender
Connect With Our Durham 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 Durham.
At First Heritage Mortgage, we understand that a home isn’t just a place to live — it’s where memories are made and dreams come to life. Our mission is to make your journey to homeownership as seamless as possible, empowering you to take control of your future with confidence.
Home Mortgage Loans
We recognize that every homebuyer is unique, which is why we’re excited to offer a diverse range of mortgage solutions tailored specifically to your needs, financial situation, and goals in Durham. 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, 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 the perfect 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 Durham 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 Durham 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 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 Durham team will carefully assess your goals to chart the best 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.
Looking for more? We also offer second mortgages, bridge loans, and portfolio loan programs. Our experienced Durham mortgage experts will work with you to craft a personalized financing solution that aligns with your present and your future.
At First Heritage Mortgage, we’re more than just lenders — we’re your partners in realizing your Durham 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.
North Carolina Homebuyer Programs
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
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
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 HousingMeet the Team
Our award-winning home mortgage lenders are ready to help you get started.
Contact us
Begin your journey towards home ownership today.
Durham,NC 27713