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Let’s do this together.
The home buying process can seem daunting, but with the right partner, it’s simple. At First Heritage Mortgage, we’re dedicated to making the home buying process easy to understand and transparent, so you can move forward with confidence. Our experienced loan officers will be by your side every step of the way, providing personalized guidance and support to ensure you find the perfect mortgage solution tailored to your unique circumstances.
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Why Homeownership Matters
Homeownership isn’t just about having a place to live — it’s about building a foundation for your future and fostering a sense of pride and stability. Studies consistently show that homeownership leads to greater financial security, improved health and education outcomes, and stronger communities. When you own your home, you’re investing in an asset that can appreciate over time, building equity and long-term wealth.
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Home Loans
Explore your options and buy a home with confidence.
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Construction &
Renovation Loans
Build, remodel, or renovate the home of your dreams.
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Refinance
Put your home's equity to work.
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Specialty Financing
Choose peace of mind with our unique financing options.
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Popular Loan Options
Our loan experts will work with you to understand your needs and help identify the best mortgage options for your budget, lifestyle, and goals. Whether you’re a first-time homebuyer or a seasoned investor, our experienced team is here to guide you every step of the way. We’ll help you navigate the process, from pre-approval to closing, ensuring a smooth and stress-free experience.
Fixed-Rate Mortgage Loans
Fixed-rate loans offer stability and predictability, with consistent monthly payments for terms between 10 and 30 years. This provides peace of mind and makes budgeting and long-term financial planning easier. Whether you’re purchasing your first home or refinancing an existing mortgage, our fixed-rate options—including Conventional Loans, Jumbo Financing, and Specialty Programs—offer flexibility to suit your needs. With a fixed-rate mortgage, you can rest assured that your principal and interest payments will remain constant, even if market rates fluctuate.
Read MoreAdjustable-Rate Mortgage (ARM) Loan Options
For those seeking lower initial interest rates and flexibility, our ARM solutions blend the benefits of fixed and adjustable-rate mortgages. With terms ranging from 5 to 15 years, you can choose the option that aligns with your financial goals. Adjustable rate mortgages are particularly attractive for buyers who anticipate moving or refinancing within a few years, offering competitive rates during the initial fixed term. ARMs can be a cost-effective option for homebuyers who plan to sell or refinance before the interest rate adjusts.
Read MoreGovernment-Backed Loan Programs
First Heritage Mortgage offers FHA, VA, and USDA loan programs, designed to provide affordable homeownership opportunities. These government-backed loans feature low down payments, flexible credit requirements, and competitive interest rates. If you’re a first-time homebuyer, military service member, or looking to purchase a home in a rural area, our specialized programs might benefit you. Our knowledgeable team is ready to help.
Read MoreState Bond Programs
Many states offer special mortgage loan programs and housing assistance to eligible homebuyers. These programs provide down payment assistance, low-interest loans, and other incentives to promote homeownership. Our team is well-versed in these state-specific offerings and can guide you through the process of accessing these resources, helping you take advantage of opportunities to make homeownership more attainable and affordable.
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Get in touch with our team of mortgage experts to learn more about the loan option that’s best for you.
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Begin your journey towards home ownership today.