Our Mortgage Products
Whether you are buying your first home, building the home of your dreams, considering an investment property, or looking to refinance your existing mortgage, First Heritage Mortgage is here to help.
Services
We help make the mortgage process easier
Buying a home is one of the biggest decisions you’ll ever make. We’re here to make sure you feel ready, not rushed. Work with our team to walk through every option, answer every question, and decide with confidence.
Buying your first home?
You’ve come to the right place
We specialize in guiding first‑time buyers through every step of the process. From understanding your loan options to knowing what to expect at closing, we make it simple and clear.
Many first‑time buyers are surprised to find they qualify for programs that help lower their upfront costs, making ownership more affordable. Let us show you what’s available to you.
Explore First-Time Buyer OptionsDid you know?
Your state may help you buy a home
Many buyers don’t realize it, but state and local programs can offer real help. Think low interest rates, down payment assistance, or even grants you don’t have to pay back.
We work with a range of state bond and down payment assistance programs across our lending footprint. Our team knows these programs inside and out, and they’ll help you figure out if you qualify to take advantage of these little-known benefits.
Learn MoreYour path to happy homeownership starts here
Whether you’re ready to start your mortgage journey or still thinking about taking the first step, we’re here to help. Work with our team of trusted mortgage advisors for the guidance you need to achieve your homeownership goals.
Meet Our Team of Mortgage ExpertsMortgage Calculators
Use these calculators to assist in planning, estimating, and exploring your financial options.
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.
Testimonials
Take it from our customers
Ready? Let’s get started
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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