Superior Terms for Eligible Active Duty Military and Veterans

Scott Kinne and his team at First Heritage Mortgage are top-notch. From pre-approval to closing day, they made the transaction of purchasing our first home so seamless. We used the VA loan and Scott never made us feel inferior or steered us away from this. He offered many different loan options and scenarios and was always clear on the closing costs and monthly mortgage payments. His team clearly communicated about documents needed and where we were in the loan process. He also advocated for us, which was a huge asset for us when we put in an offer on a home. He called the listing agent right after we submitted our offer and reassured her that our finances were solid and that we would get approved for the offer amount. When interest amounts were rising, he called us right away to make sure we locked in a rate. In addition, when the VA appraiser took longer than 10 days to upload the appraisal, Scott was on top of it and made sure that the appraisal was uploaded in time for closing. Between the appraisal and closing, he had one day to underwrite the loan and he did it! Wow. We could not have asked for a better experience in purchasing our first home and we highly recommend Scott Kinne and his team at First Heritage Mortgage

I had the pleasure of working with Phil Denfeld and his team. They were very attentive and answered all of our questions. I was extremely impressed with Phil when an issue did arise concerning my VA loan. He personally worked with his staff to make sure the process continued and resolved the issue and we were able to close on schedule. I will be referring Phil and the entire First Heritage team to everyone I know.

Our loan officer, David J. Bridges, and the entire First Heritage team provided unparalleled support and expertise. We initially were looking at purchasing a property using our VA benefits through USAA, but the transaction fell through due to VA inspections. We were unhappy with the customer support and timeliness of responses provided by USAA and decided to consider other options. We were referred to First Heritage from other satisfied veterans; and honestly we felt like David and his team wanted to help us buy a house, opposed to sell us a loan. This was evident from the beginning and consistent throughout the process. David J. was professional, honest and patient, as I had numerous questions at all hours of the day. In the end, I highly recommend David J. and the First Heritage team!

My husband and I used Ryan twice, and each time his service and attention to us was exceptional. Our situation was unique. We purchased our home approximately six months before we got married. We were both first time home buyers and could not use my husband’s VA benefits since we weren’t married at the time. Ryan explained all our options in detail so we were able to choose the best option for us. We were so pleased with his service that we contacted him again a year later to refinance our home to make use of my husband’s VA benefits. My husband and I appreciated all of Ryan’s support during each process.

Our experience started off great, getting pre-approved, etc. However, going VA was a slow process in obtaining the necessary forms to receive the final approval. Bruce and his team never stopped processing our loan while waiting for the VA forms. They were very patient. After receiving the necessary VA forms, Regan went out of her way to ensure we could go to settlement on April 28. Buying a home can be a huge, stressful decision, however Bruce and his team were always very professional while keeping us calm.