Superior Terms for Eligible Active Duty Military and Veterans

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.

As Sergeant Major in the U.S. Army, my first thought was to start the mortgage process with a bank that I had previously used, and is well known for working with the military. Thank God I did not! My experience with First Heritage was far superior than my previous mortgage experiences with military friendly banks. Everything is streamlined, and First Heritage makes you feel like you are their only customer. I could reach my loan officer around the clock and he even would respond to text messages after office hours when I needed additional information. I was completely blown away by the professionalism and attentiveness of everyone who facilitated the loan process. I never felt like I was in the dark or like my file was being neglected. First Heritage puts people first and the customer service that I received was simply amazing!!

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!

I gave Whitney the highest possible marks in all phases, not to be nice, but because she earned them. She led us through what I considered to be a MAZE of requirements, questions that baffled me, and some that out right frustrated me from the Underwriters. She was patient and thoroughly understood and was empathetic to my frustrations and feelings. Would I recommend her, you bet, to VA or any other home loan seekers. If we ever for whatever reasons go through this process again, she will be the first person we contact.

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.