Popular Loan Options
Buying a home is one of the most important financial decisions you’ll ever make. The good news is you don’t have to figure it out alone. Our loan experts will take the time to understand your needs and help identify the best options for your budget, lifestyle, and goals.
Whether you’re buying your first home, upsizing for a growing family, or planting roots in a new community, we have options built for where you are right now – and what you’re planning for the future.
Fixed‑Rate Mortgage Loans
The same payment, every month, for the life of your loan. Best for buyers who want long-term stability and predictable budgeting.
Adjustable Rate Mortgages (ARMs)
A lower rate upfront, with adjustments after an initial fixed period. Best for buyers who plan to move or refinance within a few years.
FHA Loans
A government-backed loan with low down payments and flexible credit requirements. Best for first-time buyers and those building toward homeownership.
VA Loans
Zero down payment financing with no private mortgage insurance for those who qualify. This benefit is available for veterans, active-duty service members, and surviving spouses.
USDA Loans
Zero down payment financing for eligible buyers in rural and suburban areas. Best for buyers outside major metros who want to keep upfront costs low.
State Homebuyer Programs
State and local programs that help make homeownership more achievable. Best for buyers in eligible areas who need a boost to get started.
Your partner
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.
Find a Loan OfficerNot sure where to start? Let’s run the numbers first
Use our mortgage calculators to explore what you can afford, compare loan options, and run the numbers on your own timeline.
Consolidation and Refi
Decide whether you should refinance a single mortgage or consolidate a first and second mortgage into a single mortgage.
Mortgage Amortization
Compute a mortgage’s monthly payment amount based on the principal amount borrowed, the length of the loan, and the annual interest rate.
Payoff Calculator
Find out the additional monthly payment you will need to make on your current mortgage to pay it off within a specified number of years.
Refinancing Calculator
See if you should refinance your current mortgage at a lower interest rate.
Renter Affordability Calculator
Estimate the mortgage you could afford from your monthly rent payment, downpayment, potential property taxes, and homeowner’s insurance.
Tax Savings Calculator
Estimate your tax savings from your deductible interest and property tax payments.
Term Comparison Calculator
Compare monthly payments and interest costs of home mortgages at various loan term lengths.
More Ways to Get Into a Home
First Heritage Mortgage offers more than home purchase loans. Whether you’re building new construction, renovating, refinancing, or need a specialized solution, we have programs designed to meet you where you are.
Connect With A Loan OfficerFrom conventional to FHA and VA loans, find the right fit for your budget and goals.
Learn More ⟶Lower your rate, reduce your payment, or tap into equity. Let’s find what makes sense for you.
Learn More ⟶Build, remodel, or renovate the home of your dreams.
Learn More ⟶From non-QM loans to investor financing, find solutions for situations that don’t fit the standard mold.
Learn More ⟶Connect now
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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.