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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


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
Learn More

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
Learn More

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
Learn More

VA Mortgage Loans

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

USDA Mortgage Loans

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

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
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

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

More On This Topic


Mortgage Application Checklist

Use this simple checklist to get the mortgage process rolling.

Learn More

Mortgage Calculators

Try our calculators to start planning your home buying experience.

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
Get In Touch

3201 Jermantown Road, Suite 800

Fairfax, VA 22030

Phone: 703.352.0721

Toll-Free: 866.833.LOAN

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First Heritage Mortgage, LLC, Company NMLS ID #86548 (www.nmlsconsumeraccess.org)

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