Kitty Hawk Home Mortgage Lender | First Heritage Mortgage

Welcome to Kitty Hawk!

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.

Loans for every buyer

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.

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Build loans

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.

Loan programs

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.

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