Richmond 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 Richmond.

At First Heritage Mortgage, we recognize that a home is more than just a place to live — it’s where your story unfolds, memories are made, and dreams take shape. Our mission is straightforward: To simplify the mortgage process so you can move into the next chapter of homeownership with confidence.

Home Mortgage Loans

We’ve been in the business long enough to know that each homebuyer is unique. As a result, we offer a diverse range of mortgage options tailored specifically to your needs, financial situation, and goals in Richmond. From the reliability of fixed-rate mortgages to the flexibility of adjustable-rate mortgages (ARMs), our solutions are designed to evolve with you 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 changes. Our terms range from 10 to 30 years, and we’ll collaborate closely with you to find the option that aligns best with your long-term plans and current financial situation.

If you’re anticipating significant life changes such as a career transition or future refinancing, our ARM products could be the perfect fit for you. Take advantage of lower initial rates combined with a fixed-rate period upfront, allowing you to benefit from competitive pricing while maintaining flexibility down the road.

As experienced Richmond 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 walk you through every step to ensure you maximize the benefits of these programs.

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Construction and Renovation Loans

Whether you’re dreaming of a custom-built home in historic Richmond or planning to renovate an existing property, our seasoned lending professionals are here to support you every step of the way. With options for acquisition and development financing as well as renovation mortgages, our loan solutions will support you through each phase of your project.

Refinancing and Specialty Loan Programs

Sometimes, your home needs change. If you’re considering refinancing to lower your monthly mortgage payments, shorten your loan term, or access your home’s equity, our dedicated Richmond team will carefully assess your goals to determine the best path 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 Richmond team will work with you to craft a personalized financing solution that aligns with your present — and your future.

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