Michael Cao

Senior Loan Officer
NMLS ID #323021

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Licensed In

Maryland, North Carolina, South Carolina, Virginia, Washington D.C.


Welcome to the official profile of Michael Cao, your trusted Senior Loan Officer at First Heritage Mortgage in the vibrant city of Richmond, VA. With an unwavering commitment to excellence and a wealth of experience in the mortgage industry, Michael is your go-to expert for all your home financing needs.

With a career spanning over a decade, Michael has cultivated an in-depth understanding of the ever-evolving mortgage landscape. His dedication to providing personalized solutions sets him apart, as he diligently works with each client to tailor financing options that align with their unique goals and financial situations. Whether you’re a first-time homebuyer, a seasoned homeowner, or looking to refinance, Michael’s expertise ensures a smooth and stress-free experience from application to closing.

Michael’s passion for helping individuals and families achieve their dreams of homeownership is truly unparalleled. His friendly demeanor, coupled with his professionalism and attention to detail, fosters an environment of trust and open communication. He’s not just a loan officer; he’s a partner who guides you through the intricacies of the mortgage process, empowering you to make informed decisions with confidence.

As a Richmond resident himself, Michael understands the local market nuances and appreciates the unique charm of the city and its surrounding neighborhoods. His knowledge of the area’s real estate trends combined with First Heritage Mortgage’s extensive resources equips him to secure the best possible financing solutions for his clients.

When Michael isn’t helping clients secure their dream homes, you might find him exploring Richmond’s rich history, enjoying its culinary delights, or giving back to the community through various volunteer efforts. His dedication to enriching the lives of those around him extends beyond the realm of mortgages.

Whether you’re embarking on your homeownership journey or seeking expert guidance on mortgage refinancing, Michael Cao is here to support and guide you every step of the way. Reach out today to experience the personalized, attentive, and results-driven service that has made him a trusted name in Richmond’s mortgage industry.