Home Loans | First Heritage Mortgage

Let’s Do This Together

We know that owning your own home often comes with a sense of pride, stability, and community. We also know that the journey to home ownership can sometimes feel overwhelming. 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.

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.

Fixed Rate Mortgage Loans

Predictable monthly payments
Conventional loan options
Jumbo financing available
Protection from changes in interest rates
Straightforward loan terms

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Adjustable Rate Mortgage Loans

Lower initial interest rates
5, 7, 10, and 15 year fixed terms
Conventional loan options
Jumbo financing available
Adjustment caps protect against surprises

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FHA Mortgage Loans

As little as 3.5% down payment
Flexible credit qualification
Limited closing costs
Financing for a variety of property types
Gift and/or grant funds allowed

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VA Mortgage Loans

Available to eligible active duty military and veterans
Little to no down payment
No mortgage insurance
Flexible income and credit requirements

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USDA Mortgage Loans

Special financing for homes in USDA-defined rural areas
No down payment required
Flexible qualifying criteria
Minimum cash to close

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State Bond Programs

Many states offer low cost, low interest mortgage loans and other housing assistance to eligible first time and repeat homebuyers. Ask how our specially-trained team can help you take advantage of these affordable homeownership programs.

VHDA Mortgage Loans

Virginia Housing Development Authority
Little to no down payment
Mortgage Credit Certificate (MCC)
Flexible qualifying criteria
Homebuyer education

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Maryland Mortgage Program

Maryland Department of Housing and Community Development
Down payment assistance
Closing cost assistance
Mortgage Credit Certificate (MCC)
Homebuyer education

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DC Open Doors

District of Columbia Housing Finance Agency
Down payment assistance
Mortgage Credit Certificate (MCC)
Flexible qualifying criteria
Homebuyer education

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NC Home Advantage Mortgage™

North Carolina Housing Finance Agency
Stable fixed-rate loan options
Up to 5% down payment assistance
Mortgage Credit Certificate (MCC)

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VHDA Mortgage Loans

Virginia Housing Development Authority
Little to no down payment
Mortgage Credit Certificate (MCC)
Flexible qualifying criteria
Homebuyer education

Learn More

Maryland Mortgage Program

Maryland Department of Housing and Community Development
Down payment assistance
Closing cost assistance
Mortgage Credit Certificate (MCC)
Homebuyer education

Learn More

DC Open Doors

District of Columbia Housing Finance Agency
Down payment assistance
Mortgage Credit Certificate (MCC)
Flexible qualifying criteria
Homebuyer education

Learn More

NC Home Advantage Mortgage™

North Carolina Housing Finance Agency
Stable fixed-rate loan options
Up to 5% down payment assistance
Mortgage Credit Certificate (MCC)

Learn More

Ready to Get Started?

Get in touch with our team of mortgage experts to learn more about the loan option that’s best for you.

Talk To An Expert

Start Your Journey to Home Ownership Today

The home buying process can seem daunting, but with the right partner, it’s simple.

Let’s Do This Together

Popular Loan Options

Fixed Rate Mortgage Loans

Adjustable Rate Mortgage Loans

FHA Mortgage Loans

VA Mortgage Loans

USDA Mortgage Loans

State Bond Programs

VHDA Mortgage Loans

Maryland Mortgage Program

DC Open Doors

NC Home Advantage Mortgage™

VHDA Mortgage Loans

Maryland Mortgage Program

DC Open Doors

NC Home Advantage Mortgage™

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Mortgage Calculators

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