Woodbridge Home Mortgage Lender
Connect With Our Woodbridge 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 Woodbridge.
At First Heritage Mortgage, we understand that owning a home isn’t just having a place to live — it’s about building a foundation for your future and fostering a sense of stability, community, and pride. Our mission is straightforward: To simplify the path to homeownership, empowering you to take control of your future with confidence.
Home Mortgage Loans
We recognize that each homebuyer is unique, which is why we’re delighted to offer a diverse range of mortgage solutions tailored specifically to your needs, financial situation, and goals in Woodbridge. 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 fluctuations. 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.
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 Woodbridge home mortgage lenders, we specialize in government loan programs like FHA, VA, and USDA options, offering 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 Woodbridge or planning to renovate an existing property, our experienced 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 help you through every phase of your project.
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 Woodbridge 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 collaborate closely with you to find the perfect solution.
Need something more specialized? Our Woodbridge team has you covered with second mortgages, bridge loans, and portfolio loan programs. Our experienced team will explore all options with you to craft a personalized financing solution that aligns with your present needs — and your future goals.
At First Heritage Mortgage, we’re more than just lenders — we’re your partners in realizing your Woodbridge 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.
Virginia Homebuyer Programs
First-Time Homebuyer
- Credit score as low as 620
- Low, fixed interest rates
- $0 downpayment or second mortgage financing
- Liberal credit qualifying options
- 2% DPA grant as downpayment assistance
Closing Cost Assistance Grant
- Program income limits
- Eligible RHS or VA loans
- Up to 2% of purchase price for closing costs
- No need to repay
Down Payment Assistance Grant
- Percentage of purchase price to help with down payment
- Up to 2% of purchase price
- No need to repay
- May not be used with other down payment assistance resources
Second Mortgage
- First-time homebuyers
- No downpayment cash needed
- Fixed rate on 1st and 2nd mortgages
- Borrowers carry 1% of sales price
- No cash back
- Use for down payment assistance
Specialized Virginia Programs
Finding your dream home in Virginia just got easier. Explore the following programs today to determine if you qualify!
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Our award-winning home mortgage lenders are ready to help you get started.
Contact us
Begin your journey towards home ownership today.
Woodbridge,VA 22192