Home Financing Excellence
Thanks in advance for visiting our website. Whether you are buying your first home, right-sizing now that the kids are gone, building your real estate investment portfolio, navigating the jumbo luxury market, renovating your home, or working with a developer to build your dream home, Our Team is here to Help!
Meet the Team
Our award-winning home mortgage lenders are ready to help you get started.
Join Our DMV Real Estate Professional Monthly Pickleball Meetup
Held every 3rd Wednesday at Dill Dinkers in North Bethesda.
Learn MoreSchedule Your Initial Consultation Today!
Schedule Your Strategy Call with Jeffrey
Click HereSchedule Your Strategy Call with Michael
Click HereSchedule Your Strategy Call with Kevin
Click HereOur Commitment
With a strong focus on Building Client Relationships, Community Engagement, and Providing Exceptional Service, the Novotny Lending Team is steadfast in its commitment to:
- Leading and making decisions with integrity;
- Developing lifelong client relationships;
- Engaging and giving back to the communities and partners we serve;
- Being exceptional at everything thing we do;
- And, of course, having fun along the way!
We know that if we deliver an exceptional experience, we will have the opportunity to be your lender for life. We aim for our clients to feel educated, delighted, and valued all the way from their qualification to settlement, and well beyond the closing table.
Awards & Affiliations
First Heritage Mortgage proudly supports Children’s Miracle Network Hospitals®.

We are honored to partner with Children’s Miracle Network Hospitals to help fund life-saving health care, education, and research for children in the communities in which we serve.
Sunrise Economix
Seasonal Adjustments Derails Rates
Last week may have been holiday-shortened, but it had several important economic reports. Most of the reports showed a weakening economy and continued to push...
Read More ⟶
PCE Slows Rally in Interest Rates
This week has been a great week for interest rates, with rates matching the levels seen at the beginning of May. They have also breached the...
Read More ⟶
Fed Holding Rates Steady
The big news this week for mortgage rates was the Federal Reserve (Fed) meeting on Tuesday and Wednesday. As expected, they decided to maintain rates at...
Read More ⟶