Working with First Heritage Mortgage

Using Other Lenders Interest Rates Marketing Materials The Mortgage Process Buyer Education Working with First Heritage Mortgage

What is the advantage of using FHM instead of another lender?

The financing process runs more smoothly when you work with a lender who knows what both the buyer and the builder need from
the beginning to the end of the building process.

Stanley Martin and First Heritage Mortgage are a team – and your buyers will be part of that team, too. This unrivaled team approach provides a streamlined homebuying process with clear, up-to-date communication between all parties, during all steps along the way
to closing.

FHM has specialized expertise in construction lending. Your FHM loan officer will get to know each buyer and help them pre-qualify with the best loan options for their situation, so when they look at floor plans and upgrades, they will already know what they can afford. FHM has in-house loan processing, underwriting, and closing to speed up the loan time and ensure a smooth process.

Using FHM can save your client money, too. FHM offers a full range of financing options, competitive rates, and expert mortgage counseling from local experts who are familiar with the community. Additionally, buyers who secure mortgage financing through FHM receive generous builder-paid financial incentives, applied toward closing costs.

Why do business with FHM?

Stanley Martin was founded with the goal of keeping customers happy throughout the home buying process. The founders recognized that securing proper financing was the most challenging and unpredictable element in buying or building a home.

As Stanley Martin’s preferred lender, First Heritage Mortgage will ensure that the mortgage process is smooth, simple, and stress-free for your customers.

Stanley Martin has partnered with FHM as its preferred lender for nearly 25 years because of their unparalleled expertise in construction lending, wide array of ever-evolving home financing solutions, streamlined operations, and personal touch – all of which add up to create an effortless loan management process for all parties involved.

Stanley Martin provides ample financial incentives to clients who choose FHM as their mortgage lender as a way to encourage buyers to take advantage of all the benefits outlined above and obtain the best possible deal on the purchase of their Stanley Martin home.

What types of loan programs does FHM offer?

FHM offers an expansive selection of loan programs including VA, FHA, USDA, State Bond Programs, Conventional, Jumbo, Extended Rate Lock Programs, and more! Our list of loan programs continues to grow in ways that cater to our client base. Check with your FHM loan officer for the most up-to-date breakdown of all available loan programs available to your buyers.

Does FHM offer any State Bond Programs?

Yes. FHM offers the following State Bond Programs:

  • DC Open Doors
  • Georgia Dream Program
  • Maryland Mortgage Program (MMP)
  • NC Home Advantage MortgageTM (NCHFA)
  • Virginia Housing Development Authority (VHDA)
  • West Virginia Housing Development Fund (WVHDF)

Where can I get additional training on specific loan programs?

Contact your FHM loan officer for additional training and information on any of loan program. We are always happy to help you learn more.

Who is my FHM loan officer? How do I find out?

For help getting in touch with your FHM loan officer, contact Phil Denfeld, EVP of Corporate Operations at FHM via email at