Kitty Hawk Home Mortgage Lender
Connect With Our Kitty Hawk 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 Kitty Hawk.
At First Heritage Mortgage, we understand that a home is more than four walls and a roof — it’s a place where your story unfolds. Our goal is simple: To guide you through the mortgage process with honesty, transparency, and care.
Home Mortgage Loans
In Kitty Hawk, we recognize that every homebuyer has unique needs and preferences. That’s why we offer a diverse range of mortgage solutions tailored to your individual circumstances. Whether you’re drawn to the stability of a fixed-rate mortgage or the flexibility of an adjustable-rate mortgage (ARM), we have options designed to meet your specific requirements and financial goals.
With our fixed-rate mortgages, you’ll experience the peace of mind of consistent payments throughout the loan term, shielding you from a shifting market. Our flexible loan terms, ranging from 10 to 30 years, ensure that you can choose the option that best aligns with your current needs and long-term plans.
For those anticipating significant life changes or future refinancing, our ARM products provide an attractive solution. Benefit from lower initial rates and a fixed-rate period upfront, allowing you to capitalize on competitive pricing while maintaining the flexibility to adapt to changing circumstances.
As experienced mortgage lenders in Kitty Hawk, we specialize in government loan programs such as FHA, VA, and USDA options. These programs offer unique benefits, including low down payment requirements and favorable rates, making homeownership more accessible for individuals and families in the Outer Banks area. Our team of experts is dedicated to guiding you through the process, ensuring you understand all available options.
Construction and Renovation Loans
Whether you’re dreaming of building your custom home or renovating your current property in Kitty Hawk, our seasoned lending professionals are here to support you every step of the way. We offer specialized construction and renovation loans tailored to your specific needs, with options for acquisition and development financing as well as renovation mortgages. With our expertise and personalized approach, we’ll help you turn your vision into a reality.
Refinancing and Specialty Loan Programs
Sometimes, your home needs change. That’s why we offer comprehensive refinancing options to help you achieve your financial goals. Whether you’re looking to lower your monthly payments, shorten your loan term, or access your home’s equity for renovations or other expenses, our dedicated Kitty Hawk team will work closely with you to find the right solution.
Looking for something else? We also offer specialty loan programs like second mortgages or bridge loans, providing you with the flexibility and support you need to navigate all steps of your homeownership journey with confidence.
At First Heritage Mortgage, we’re more than just lenders — we’re your partners in achieving your homeownership dreams. With our personalized service, transparent guidance, and commitment to excellence, we’re here to support you every 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 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.
Kitty Hawk,NC 27949