Fairfax 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 Fairfax.

At First Heritage Mortgage, we understand that a home is more than just a physical space — it’s where your story unfolds, where you find comfort and security, and where memories are made. Our mission is clear: To simplify the journey to homeownership, empowering you to shape your future with confidence.

Home Mortgage Loans

When it comes to financing your home, we offer a range of options tailored to your needs, financial situation, and goals in Fairfax. From the stability of fixed-rate mortgages to the flexibility of adjustable-rate mortgages (ARMs), our solutions are designed to evolve seamlessly with your changing needs over time.

With our fixed-rate mortgages, you’ll experience the peace of mind of consistent payments throughout the loan term, providing stability amidst market fluctuations. Our terms range from 10 to 30 years, and we’ll work closely with you to find the option that aligns best with your long-term plans and current financial situation.

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 Fairfax 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, flexible 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 Fairfax or planning to renovate an existing property, our seasoned 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 finance every step of your journey.

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 Fairfax 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 work 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 Fairfax mortgage experts will explore all options to craft a personalized financing solution that perfectly aligns with both your present and your future.

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