Testimonial list

We had just closed our home at the end of August, 2023, in Elgin, South Carolina with First Heritage Mortgage.  Our loan officer was Aaron Simmons, he is very professional and extremely helpful throughout our loan process.  Aaron Simmons was in communication with us providing us with accurate and honest facts about the interest rates and how it will impact potential buyers, we knew then we were in good hands with Aaron Simmons.  Buying a home is certainly an understatement but Aaron Simmons made us feel at ease about this entire situation.  It is a breath of fresh air to know that there are honest and caring people like Aaron Simmons still exist in this world.  We were extremely stressful about what was needed for this purchase, but Aaron Simmons made the experience pleasant and easy going with every aspect of this purchase.  Aaron Simmons also showed up to the Attorney’s office to support us and to be there for the closing, again he helped us with the documents, and made this process much more comfortable and without any stress.  Ms. Ashley Hagwood his co-loan officer, was extremely helpful with some of the aspects of this purchase. Both of these officers are very knowledgeable and up to par with all of the ins and outs about the loan processing. Thank you so very much for your hard work with this matter.

Sincerely,

Mr. & Mrs. Jacobs

Peyton was incredibly helpful during the process of purchasing our first home. He was super communicative and answered every question we had. The process for us was different than others because we are a military family, but he was knowledgeable and patient with us while we got our documents in order and helped us with everything along the way. We talked to many lenders and Peyton with First Heritage Mortgage had the lowest rates for us and were super nice and understanding about every concern. I would recommend Peyton with First Heritage Mortgage to anyone who wants a good experience! 10/10.

It was a pleasure working with Peyton. He was prompt and accessible to answer any questions I had throughout the mortgage financing process. He was very professional, experienced, and helped me navigate the mortgage financing to the finish line. I highly recommend his services to anyone looking to purchase a home.

Daniel was on top of everything and we were always notified through email, text, and the app whenever we needed to review or sign something. He was always a phone call away if we had any questions.

Daniel was patient with us and willing to go above and beyond to get us the best loan terms possible. He and his team did an amazing job getting us ready to close with a very tight timeline.

From A to Z just a great process and experience.

They made it happen!!! I am so appreciative of their hard work and commitment to getting us this house!

Tom and his team were very helpful and the communication was really good. Thank you.

Aaron was an amazing loan officer! He went above and beyond during our loan process. When we hit a snag during the process, he navigated and found the best option that fit my family’s needs. It is not often that you are treated like family during the home buying process. If you do not want to be treated as just a number, I highly recommend Aaron and the First Heritage team.

Sandra and I want to thank you for another job well done by you and your team. Although the settlement timetable was a bit tight, the closing went perfectly with the documents and funding arriving on time and with no need for modifications. Your advice was key in receiving the best rates and conditions for our loan. You guys are the best.

I can honestly say Connor Williams made my first home-buying experience a very pleasant one. From our first conversation, he explained each and every option that was available to me and I never felt pressured into any decision. My phone calls were handled in a professional and timely manner. All in all, I really couldn’t imagine my home-buying process being any easier. Even now that the deal is done I would still feel 100% comfortable calling Connor with any questions. He extended his expertise beyond the scope of the business deal and I look forward to contacting Connor for my next home purchase. Thanks for everything, Connor!!

Good communication, patiently answers all of our questions, and great team members to work on our case. Will recommend.

Simply put, Rob and his team were amazing. I’ve never had a transaction go so smoothly, they were on top of my loan every step of the way. Just fantastic!

Working with Ryan and his team was a wonderful experience! Ryan went above and beyond throughout the purchase process of our home. The whole team is very professional and we couldn’t have asked for better support and communication from Ryan and his team! We highly recommend Ryan and his team to everyone in need of a mortgage loan!

This isn’t the first time I have trusted Ryan and his team to help with the homebuying process, and while I don’t ever want to pack a house and move again, I know when it comes to the mortgage side of things, this won’t be the last time I work with Ryan. He and his team kept us fully prepared and in the loop along the whole process and made sure to find the best rate they could. I highly recommend Ryan and his team and can almost give a 100% guarantee they are among the best in the business!

I highly recommend working with Ryan Hadley at First Heritage Mortgage! He is so professional, knowledgeable, and helpful every step of the way! The home-buying process is complicated and stressful and Ryan made it completely blissful. You can trust Ryan to advise you in making all the big decisions! Loved working with him!

Ryan and his team were referred by our realtor and it was a wonderful, and helpful experience getting support from him and the team. Great communication, highly knowledgeable, made things simple, clear, and efficient, and got the work done! Highly recommend his business

Ryan and his team were an absolute pleasure to work with! They were able to give me one of the lowest rates in today’s crazy market and got my loan through full approval within 10 business days! Communication was always on point, they were available to answer all questions throughout the entire process and they got me from offer acceptance to close in less than 3 weeks. I highly recommend Ryan Hadley and his team at First Heritage Mortgage!

I wanted to share our deepest gratitude for all the support, kindness, and professionalism you’ve provided throughout the years. As military members, we’re constantly moving and needing help with our living arrangements.  You have absolutely been TOP NOTCH! The stress that you’ve taken off of us has been priceless. Furthermore, we always knew you were a call/text/e-mail away and tirelessly advocating for us…even on your days off. You can’t get better customer service than that. We will continue to use you for our mortgage needs for future needs…and, refer our family and friends.  THANK YOU so much.

First Heritage was an absolutely wonderful company to work with! They kept me informed and worked with me throughout the process!

Their entire staff was amazing and made everything manageable. They were responsive, patient, and kind, understood every process, and worked with me along the way. Thank you so much! I’m so happy to be in my new home! I would highly recommend Tom and the crew!

Tom and Ericka were AMAZING to work with. They were quick, efficient, and thorough from the beginning to the end of the mortgage process. I would totally work with them again in the near future.

Peyton and Sandra are absolute miracle workers. our situation was nothing short of a rollercoaster ride with some pieces missing from the track. Their patience and kindness helped us through a lot of the stressful obstacles we had to overcome through red tape at work. I have never had such a great experience with a mortgage lender before this one! I wish I could give more stars!

I worked with Mitch Rigsby and he was easy to communicate with. Mitch was available after business hours to answer any questions I had. He was very Professional and knowledgeable. Mitch made me feel comfortable when making such a big decision.

Peyton was TOP NOTCH! He provided fantastic, timely communication throughout the transaction and was available at ALL TIMES to answer questions and handle various issues that popped up.

Peyton and his team were amazing. This was a new process for me and they provided information and guidance every step of the way. They also were available at all times, whenever I had questions. Highly recommend to use for someone in the market for buying a new home.

Mike Filan and First Heritage Mortgage are world-class. The experience my wife and I had with Mike and the team was easy and stress-free. They answered all of our questions timely, providing multiple views and approaches as we talked through scenarios, and adding value and knowledge to every call. I would recommend them to anyone!

I highly recommend Peyton to anyone that is in search of a lender. He made purchasing our first home as seamless as possible (cross country, in 2022). He was incredibly supportive through the entire process, from our first virtual meeting until after we successfully closed on our home, and even after. As soon as I reached out he quickly made himself available for a video chat and even accommodated PST working hours. Given the buying competition at the time, Peyton went above and beyond to try to help my fiancé and me stand out from other offers- including sending a video message to the seller. He answered all our questions through email or text within minutes and ensured proper coverage if he was ever going to be unreachable. We really appreciate him and can’t say enough good things!

We can’t recommend Peyton highly enough if you’re looking to buy a home in the DC/Northern Virginia area. He and his team made the whole process incredibly easy for us as first-time home buyers all the way from our first meeting until we closed. He was available any time and any day including weekends and was extremely patient and helpful through the whole process. If you’re looking for a mortgage for your home purchase then your search should absolutely end here.

If you are in search of a lender Peyton and his team are awesome they made the process seem so easy. I am very thankful for Peyton and his team. They made my dream of becoming a homeowner a reality.

Peyton Mahaffey and Sandra Kerns are totally responsible for the new construction home purchase of my dreams. They were pleasant and professional throughout the entire process. I will recommend them to anyone looking to buy a new home.

I’ve worked with Mitch Rigsby 3 times now – first to buy and then to refinance this house twice. He’s available all the time, he’s speedy and knowledgeable, and he will make you feel extremely capable of doing what you need to do to get your home. I recommend him to everybody I know who’s looking to finance a house. Buying property is a gauntlet – it was when I worked with this company for sure – but it has been every time, regardless of the mortgage firm you use. It comes down to the people you’re working with to make it bearable. The other pro of this company is the app that they use to send and request documents and signatures. It really helps keep you organized and keeps expectations clear. I’d recommend this firm!

All the ease of buying a home. Everything was promised and delivered. Blake Bocci and the crew are awesome. Ask for him. You won’t regret it.

Thank you for your patience, diligence, and care throughout this process.  We could not have gotten here without you and I’m so glad I made the right decision in choosing your company.  I wish you all nothing but the best! You were outstanding! Take care.

Peyton was awesome to work with and super responsive. He answered all my questions, guided me in the correct direction throughout the process, and always made sure I knew what was going down. My first-time home buying experience started off rocky with a different lender but Peyton definitely helped change that! I highly recommend him!

Peyton and Sandy did an outstanding job helping us get our mortgage and the best interest rate available at the time. They were extremely professional and answered any questions we had. They guided us through this process with precision and made it as simple as possible. We will definitely be going to Peyton and Sandy whenever we either refinance or buy another house.

A great loan officer that will go above and beyond to get you the best rate you deserve. Will definitely work with him if I need to finance/refinance.

We highly recommend Peyton after our experience working with him. We spoke to several loan officers before choosing Peyton. We choose Peyton because from the beginning, while very real about the state of the current market, he showed us the positives to our search. He was honest with us but also encouraging when I started to get nervous about the process. On multiple occasions, he patiently took the time to explain what was going on and what the next steps were. Peyton also checked in with us frequently to make sure we were doing okay and didn’t have any questions. As a first-time buyer, I really appreciated this level of support and how comfortable he made us feel. Our experience was easy and seamless. Thank you, Peyton!

We absolutely loved working with Peyton on our home purchase. He made things simple and explained every step of the process, kept us updated, and made himself available whenever we had questions. This was the smoothest home closing we’ve ever had. Would definitely recommend Peyton and First Heritage Mortgage!

Amazing experience. More often than not I was having questions answered before I knew to ask them. Upfront and honest throughout the entire process.

I highly recommend Peyton Mahaffey at First Heritage! Somehow he managed to close a VA loan in four weeks! That’s unheard of! As a REALTOR, what I appreciate most is his direct and timely communication with me and my buyer. I never once wondered where things stood or what was needed or happening next. It was a flawless transaction, and I look forward to working with him again soon!

Very seamless experience. The McElroy team was very easy to work with for the purchase of our first house. They always responded quickly and were very helpful in getting us ready to close. They also gave us a great interest rate. Thank you!

Peyton and his team have been incredibly responsive, informative, transparent, and helpful throughout our home buying process. We are extremely pleased with our experience!

Had a really great experience with the purchase of our first home with Ryan. He helped walk us through all of the different pricing scenarios and was always quick to respond with pre-qualification letters for offers. I feel like he helped us make the best decision with our money down that we could have made to get to the lowest monthly payment. Thanks a bunch, Ryan!

Ryan, Taylor, and Paige were so helpful! As a first-time home buyer, I appreciate all of the information they provided me throughout the process. They were always willing to answer my questions and made the whole process such a smooth experience!

We were referred to Ryan by a close friend who spoke highly of his professionalism, and ability to find the best mortgage rates. From the first phone call we had with him, we knew he would be a great asset to our house hunting team. He was very transparent about expected costs and we really enjoyed his thorough explanations of each scenario presented. He was available nearly all day and night, weekday and weekend- and in this market, that is invaluable. In the very rare instance that he was not near his computer, he would have his assistant or coworker help to answer any questions we had within minutes. I would HIGHLY recommend Ryan and his team to anyone! They are all friendly individuals who really have your best interests in mind.

Peyton helped us buy our first home, and I cannot recommend him enough! He made the entire process easy and painless and helped calm us down at every twist and turn in this crazy market. He was responsive, supportive, and helpful through every question and concern we shared. Thank you, Peyton, for helping us buy our dream house!!

Peyton Mahaffey was great to work with and made the process easy. He was understanding throughout everything and made sure we were comfortable the whole time. He was on our side and supported us during our house purchase. I would 100% recommend him. We have had 3 lenders within the past 4 years and he has been the best and easiest to work with.

You and your team have made this the best experience purchasing this home. This isn’t my first home, but it is the first as a single homeowner and this was the best team hands down.  Financing can be a scary experience but you guys were always helpful and gave great customer service.  Trisha was like a best friend always available and explained everything so I was able to understand it. Maureen was an expert at her job and worked in silence.  The monthly newsletters provide a lot of helpful information so don’t stop sending those out to clients. I would be honored to recommend you all to friends/colleagues looking to purchase or refinance.

Peyton was a joy to work with. He was very diligent in keeping me up to date on everything throughout the process and answering my questions quickly. Highly recommend working with him.

Ryan and his team were great! Response time was super quick. The whole process was seamless. No hiccups. His team explained everything clearly. Definitely recommend!

We truly could not have asked for greater support and communication from Ryan and his team! In a market that moves at lightning speed, Ryan was there every step of the way – keeping us informed, detailing our options, and giving us the confidence to make the best decisions possible for us. He and his team always answered our questions quickly and efficiently – at all hours of the day, every day of the week! Ryan did this all with a kind, professional, and friendly demeanor. As a realtor, it is integral that I have a lender as responsive and knowledgeable as Ryan. Not only has he been a rock star for my personal loans, but he has also helped countless friends, family members, and clients. Ryan IS the gold standard.

Ryan and his team went above and beyond to make buying our first home an incredibly easy and straightforward process. Ryan was on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. I can’t recommend Ryan and his team enough!

Tom and the whole team have been awesome. They were very responsive to all questions my clients and I had. Would highly recommend him and his team again.

Ryan and his team were great to work with! They were quick to respond to every question and helped make the entire process efficient and smooth. Thanks again!

I would highly recommend Ryan and his team to anyone who is looking to buy a home. It was such a smooth experience, especially for a first-time home buyer. Communication was top-notch!

Ryan and his team did everything they could to make the home buying process as smooth as could be. Great at communicating what was needed, timely, and always available for questions.

Ryan is one of the best in the biz. Extremely responsive and gets deals done. Very proactive and has great foresight for things that might come up in the future. Highly recommend him and his team.

From beginning to end, Aaron was amazing. Buying a home is an extremely emotional experience, but Aaron kept me informed throughout the entire process, which kept me calm. The loan process was smooth and I was able to close on time.

We are seniors, with little cyber-knowledge or experience, and since most documentation of transactions is done electronically these days, our refinance “paper” work was a challenge for us! However, Tom Wessel was MOST gracious and VERY patient, as he walked us through the whole process! We are very grateful for his kindness and professionalism! Thank you, Tom and team, for such a good refinance experience and such an excellent outcome!

Buyers are doing themselves a disservice by not working with Tom. Every day I see buyers upset with the way they’re being treated, getting hit with back-end fees and charges, and missing their timelines. If you’re looking for a smooth process, efficient communication, and excellent rates and fees, do yourself a favor and contact Tom.

Always awesome to work with Jim Sarver!!! Happy clients and excellent results!!!

Jim was excellent to work with. From day one he was very responsive.

I recently worked with Jim Sarver when purchasing a home, and it was an amazing experience. I can’t say enough about how well he handled the mortgage process. Thanks to Jim and his team!

Jim never disappoints! He is always available to help with anything and everything I need!

Jim is an experienced lender who gets the job done. From his quick pre-approval process seamlessly through to the settlement table, he is a great asset to have on your team. Jim’s 20+ years in the business is evident in providing creative solutions and fantastic terms for our clients.

We had an absolutely wonderful experience with Jim and his team. He was very responsive and very knowledgeable. Always willing to help us understand the process or documents and always willing to answer any questions no matter the time. Very good rates and very easy process. Very grateful to him and his team.

I would like to say thank you for all your help on the loan process. It really was one of the best experiences and it made the loan process a really easy step. You really know what you are doing. You were always checking the next step ahead or the needed information. You always followed up either with an email, a phone call or a text. You were pretty diligent on everything since the first day until the end of the loan process. I will recommend you and the First Heritage Mortgage team to all the people I know. I am very happy with you and First Heritage Mortgage.

Peyton was amazing to work with! He answered all our questions and was available whenever we needed him through the process. He made all the steps easy and got us an amazing rate. I would highly recommend working with him. You can tell that he truly cares about his clients.

Peyton was wonderful to work with. He was professional, timely, and very thorough. It was a seamless transaction from start to finish. I look forward to working with Peyton and his team again in the future!

Peyton made the home buying process more simple than I could have ever expected. He was knowledgeable and coordinated with his team to always be available and go above and beyond. We are so excited to enjoy our new home! Thanks, Peyton.

When I was in the market to purchase a new home, Beth made the process very easy! I have purchased a couple of homes in the past and Beth by far provided the best experience. I knew after the first conversation that she was the one!!!

I knew very little about a cash-out refi, but Beth helped me with every step of the process.

The communication was top-notch. We will recommend Beth to all of our family and friends.

The renovation loan process could not have been easier with Beth. We were told by multiple people to expect long delays in the process but that was not the case for us. Beth was always willing to answer our questions and communicated everything to us in a timely manner. We could not have had a better experience.

Beth Troxell is an excellent mortgage banker. She and I work on multiple deals & she is always responsive & professional even on difficult properties with challenges.

This is the best and fastest experience I’ve ever had buying a house, and I’ve bought several. She was very knowledgeable and got the job done quickly. Excellent service.

Beth has been amazing to work with and paid careful attention to our needs. If I didn’t know any better I would think I was their only client!

Beth Troxell is amazing! She was on top of things and got our closing done in a VERY short period of time! She’s the best and will for sure recommend her!

Beth and her team treated us as people, not just another transaction. I recommend them highly!

Beth and her team made it the most painless mortgage experience – purchase or refi – I’ve ever had. I just decided to try you (my existing mortgage holder), my regular bank, and Quicken and you responded fastest and best!

Every settlement is special to me, and I’m always so happy for our clients. It takes a team effort, and I’m so grateful for each of you and your unique gifts. All our gifts work together to benefit the people we serve. As a minority, I’m sensitive to the reality that homeownership wasn’t always possible for people like me. Barriers to homeownership go far beyond access to funds. It’s deep-rooted in education, access, rights, and money just to name a few. I wanted to share with you that Lashawnna is the very first person in her family to ever own a home. It was a very emotional experience for her. They both were really in a state of disbelief. It was really a blessing to be a part of this moment with them. Thank you for being awesome!

Excellent customer service. Friendly and knowledgeable staff. They were able to walk me through the full process and basically hold my hand all the way until closing. Excellent customer service.

We recently decided to move forward with the two additions to our home but were unsure about the financial process. Our financial advisor recommended Peyton Mahaffey and we could not be happier that he did. Peyton was proactive and made sure we understood every step of the process. He was always kind and responsive and he made the process smooth and stress-free. We would highly recommend Peyton Mahaffey to anyone about to begin the financial loan process.

From the first time I spoke with Aaron on the phone his tone, knowledge, and confidence assured me that he would be able to help us become first-time homebuyers. He explained things in a way that wasn’t hard to understand and was always there to answer any questions I or my husband might have. Evenings, weekends, whatever it was he was available. The best thing is he got the JOB done. At crunch time even if I was stressed he assured me he would take care of it and he did. He is a man of his word. I highly recommend First Heritage and Aaron Simmons for your mortgage needs.

Ryan was really helpful in guiding my wife and me through the complicated process of buying our first home. There are a lot of options out there for mortgage lenders and it can be difficult to understand what all of the different numbers and phrases actually mean. Ryan makes things simple – if you tell him what you want at the end of the day, he will break down the scenarios for you in an understandable way. We were able to get a fantastic rate and qualify for a first-time homebuyer program to make our home much more affordable than we had ever imagined. Ryan was extremely responsive and helpful to answer all of our questions. He helped put us in the best possible financial situation to buy our home and he will find every way he can to do the same for you.

As overwhelming as the home-buying process can be, Ryan and his team made the whole experience very smooth and transparent. We were able to get a great rate and were very happy with the entire experience. Would definitely recommend Ryan to anyone that might be looking into purchasing a home or refinancing.

Ryan has it all. He’s polite, patient, understanding, and best of all, he’s very responsive. The one time he wasn’t able to take my call, he called back within the hour, letting me know that he was buying his mother dinner for mother’s day.

I always shop around for the best rates, and Ryan by far gave me the best rate. It was even lower than the lowest listed on Bankrate and NerdWallet. He was incredibly transparent about everything and gave us estimates within the day if requested.

I can’t recommend him more. Always do your own due diligence, of course. But my experience has been that he offers great deals and is a reliable person to work with.

Didn’t think I could afford to buy a house until Ryan walked me through the different first time buyer programs and found one that worked.

Great communication by the team and Ryan was easy to work with and very responsive to my emails and questions.

Ryan was so great to work with! Not only did he get me an amazing rate, he was always a phone call away to answer any of my questions. He really made a potentially difficult process so painless!! Thank you to the whole team!

A great company to work with who is very helpful and responsive during our mortgage process. Highly recommended for your home financing needs.

I can’t imagine buying our first home without the help of Ryan Hadley! He was so responsive and answered all of our questions without ever making us feel like we were asking too many! He made the process so easy and stress-free, I wouldn’t recommend anyone else!

Ryan was a such a joy to work with. The team made this process extremely easy and simple for our home loan.
I will work with Ryan in the future and refer my friends to him!

As a first-time home buyer, it was all incredibly daunting. Ryan was patient with my myriad questions, and acutely knowledgeable and professional throughout the process in a way that made me feel comfortable and confident. I never imagined that buying a home could be within my reach. Ryan made that possible, and I couldn’t be happier!

My wife and I were first time homebuyers in this crazy market and Ryan and his team were absolutely incredible the entire way from start to finish. We went through multiple different budget scenarios over the past year and Ryan assisted us in offers on multiple houses and was always extremely responsive and professional.

I would definitely recommend Ryan and his team to anyone in need!!!

Thank you for all of your support throughout this journey. You’ve been wonderful to work with, and we can’t thank you enough for you taking the time to answer all our questions and being available at all hours of the day. We will definitely recommend you to our friends if/when they are ever in the market for getting a mortgage!

Uncertain, under-resourced, not quite informed, and unlearned about the intricacies of home buying, I was significantly doubtful it was even possible. But there was THAT dream that won’t let go, which eventually compelled me to email you. I was only going to ask questions, but before I knew it, your entire arsenal of experts, resources, advocacy, calculations, and projections were all around me. I also need to highlight Mirela over and over again – she is phenomenal! As a first-time homebuyer, you addressed all my questions straightforwardly, and you never treated me naive or ridiculously way over my head. Instead, you guided, equipped, and reassured me so that I can walk the journey with confidence. There were a lot of heartbreaks and disappointments, but looking back, each one was providential. I was able to bounce back more introspectively, realistically, astute, and ready about my choices. I can only imagine the conversations, actions, and counter-actions you and your team have done behind the scenes to fortify and guarantee my qualifications as a homebuyer. And so here we are finally – with a home, at a superb rate. I am earnestly humbled and grateful.

Mirela made this process easy and stress-free, which is a big plus when dealing with large loans and lots of details. She did a great job explaining my refinancing options. I originally had a plan but with her expertise, we made an even better plan! She was always responsive and considerate of my wishes. I’m so grateful to have worked with her because she really took the time to find the best plan for my situation. Thank you for all your hard work!

Erica made the entire process feel so easy!  She was so professional and very knowledgeable.  She always responded quickly and walked me through the entire process step by step. Her communication skills made the mortgage process second to none!

I was very nervous about buying my first home until I met Mrs. Erica Ergle!  She made me feel confident and was always on top of any worries or concerns that I had!  She was always available when I had questions!  She made my first home buying experience exceptionally great!

Erica Ergle did a great job of handling the loan process for my buyers. Erica’s communication throughout the process put my buyers at ease as they were moving from out of state.  I would definitely recommend her to anyone looking for a mortgage banker.

Erica was stellar to work with and made the process extremely easy. Would recommend 100%!

Erica was very knowledgeable and kept us informed throughout the entire loan process.

First of all, I would say Charlie is the best lender you could ever work with. Charlie and his company are extremely responsive, provide professional service, and great rates. I used Charlie for my mortgage and it was a smooth and pleasant experience. I especially appreciate his responsiveness to emails. He was also able to answer all my questions and concerns and explain things over the phone, making my dream home purchase possible.

Rob McElroy is a miracle worker! He is a plethora of knowledge on home loans. If you have a question, he has a very detailed answer! Rob was always quick to return emails and phone calls. He was happy to run multiple loan scenarios for us and always made us feel like our needs were at the forefront. He closed on our new home in just 2 weeks – now that’s impressive!

Working with Damian was one of the best decisions we made, not only from a financial standpoint, but also from a trust standpoint. I always felt I could count on his guidance and feedback as a new homebuyer. There was never a question he could not answer it helped tremendously through the process.

Tim and his team were extremely professional, organized, responsive, and diligent from our first conversations all the way through closing.  We couldn’t have been happier with the experience and we’re very grateful for their amazing support! For anyone buying a home right now, we’d give Tim, Chris, Gina, and the entire First Heritage Mortgage team our highest recommendation!

First-rate company! All went very smoothly and I saved $500 with the refinance and no money down. Would work with them again in a minute. Everyone is very friendly and personable. Highly recommend.

Scott Kinne is an excellent loan officer. He is extremely knowledgeable and efficient. His team at First Heritage has always done an excellent job for me and my clients. HIGHLY RECOMMENDED.

Worked with many loan officers and Scott Kinne is definitely in the top percentile. He is very knowledgeable, patient, and sets expectations early so there are no surprises throughout the loan process. Easy to contact. Highly recommended for any homebuyer.

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

Thank you for all the help past 4 weeks. Truly appreciate it! Amazing team and work you guys do to process loans on time. You definitely earned our trust and will refer friends to you as well. Thanks!

Mirela and her team are great to work with. She kept an open line of communication at all times and walked us through the many steps it takes to purchase a new home. We did a home purchase and a refi on our old home both with her and she made it a smooth process. Thoughout the process, I had full confidence that Mirela had our best interests in mind as she would update us on rate changes and other aspects of the home purchase experience. There is no one else I will use for future home purchases and refi and I highly recommend Mirela and her team!

Christian Sanson was easy to work with. Very fast turn around. Highly recommend!

Michelle and I greatly appreciate your expert-level knowledge of the mortgage industry and your stellar customer service.  These attributes explain why we are long-time, repeat customers.  Rest assured, we won’t hesitate to call you again or to refer our family and friends to you.

I wish to express my sincerest appreciation to your company for the mortgage assistance provided me by your representative Mike Ott.  Mike made my loan process informative and comfortable.  His professionalism and thoroughness allowed me to focus on my start-up business while he managed the details of my loan qualification and approval process.  I never experienced a single stressful moment during my time with Mike as he managed every detail of the lender’s requirements with class and patience.  I am forever grateful for his involvement in the buying process of my new home.

Chris Grant and his team had to finalize our application in less than a month. Chris was responsive, helpful, and transparent every step of the way so we never had any doubt that it would be completed on time. We highly recommend First Heritage and special kudos to Chris.

Jeffrey and his team helped us get everything we asked for on a home and on a loan. This team was always willing to go above and beyond for us and I would recommend them to any prospective buyer. Jeffrey is world-class! Thank you!

When I think of Jeff and Mirela, two words come to mind, “Miracle Workers”. My dreams of owning a home again came to a screeching halt two years ago due to high student loan debt. In fact, after being turned away by many lenders who were not willing to take the challenge of working around my student loan obstacle, I simply resolved to renting for the rest of my life. Then, by what seemed an answer to a prayer, God connected me with Jeffery, who at the outset recognized my student loan challenges. Nevertheless, he was willing to invest the extra time and energy to make my homeownership dream a reality. Because of their dedication and commitment to making the impossible possible, I can proudly say that I am once again a homeowner. I will definitely recommend this team a zillion times over. Thanks again to Jeff and Mirela for going beyond and above and allowing yourselves to be used by God as mountain movers in my quest to owning a home!!!

I really just wanted to reach out and tell you how great it was working with your team.  You have assembled a rock star cast.  I’ve done my fair share of purchases/refinances and I’ve never had a smoother experience.  I honestly can’t say enough great things about Bernadette!! I’ll be reaching out shortly to see if you can refi three of my investment properties and I plan on giving you all my work in the future. Thanks again!

Tom Wessel and his entire team were excellent. When I purchase my next house I will be using his team again. The communication was excellent. I could call, text, or email them at any time and they ALWAYS replied back in a timely manner. Even if I emailed late at night I would get a response from them at six the next morning. They made my home buying process very smooth even during these crazy times of COVID. Tom, Chris, Cindy, and Sabrina, I would like to say Thank You again for all of your assistance with my home buying process. I look forward to working with you guys in the future.

Mr. Simmons, I just wanted to thank you and your staff for all your help in getting our re-fi done. It was quick, professional and everyone was amazing to work with. Also, thank you for the coffee and address stamp. Just another little go beyond that not many businesses do. I will definitely be recommending you to all my friends and family for all of their mortgage needs.

My husband and I have been through multiple refinances over the years of owning property and due to the sheer amount of information and work required, they have all been extremely painful. This is the first refinance experience that’s been different.

I’d like you to know how much I appreciated the fact that Paige listened to my concern in our first conversation, about the workload required and she consistently made it as easy as possible throughout the entire engagement. I was impressed with her responsiveness, attention to detail, organization and great demeanor. In fact, I never expected that I would enjoy our interactions as much as I did!

Also, you’ve selected a great partner in Tom Pilato and Capitol Settlements. Thank you for a great experience.

Closing went well, just wanted to thank everyone for everything! This was our third one together! It wasn’t the same w out you there though, William!

“Mariel is awesome! We had an incredible experience and could not recommend working with her more. She is incredibly knowledgeable, thorough, and responsive. She kept us informed throughout the process and made sure we were prepared each step of the way. Not to mention, we got an incredibly competitive rate! Definitely make sure you check in with Mariel if you are planning to buy.”

Total professional from start to finish. No games no BS. Best rate out of the gate. Mitchel is very responsive. There were questions that came up along the way and he answered very promptly. I could not have asked for a better experience. Settlement attorney said when he first looked at the rate he thought it was a mistake! Bottom line call Mitchell you won’t be disappointed!

Mariel Robbins was highly recommended by our realtor. And I’m glad that we went ahead with her recommendations. It was great working with Mariel. She went an extra mile calling the listing agent of the house that we wanted. To add to that, there was a delay with the closing of the selling of our old property but she was still able to make things happen for us to close on time with the new property that we were buying. Not to mention the awesome interest rate that we got too! Thanks Mariel!

I used Mariel to refinance my home. She made the entire process go smoothly. Even when there was a problem with the title company at closing, Mariel advocated for us not to have any additional fees. I would highly recommend Mariel for any of your lending needs.

From the onset, Mariel was very professional and knowledgeable. She provided us with all our options. Mariel managed to get us a fantastic deal! We are very happy with her services and recommend her highly! Absolutely the best in her field!

This is my second home purchase and she assisted me greatly with the second purchase. She advised me for refinance and I went with it. Throughout the refinance, it was a much easier process and I’m thoroughly satisfied with everything! I would highly recommend!

I’ve known Mariel for a long time, so when I had an opportunity to refinance, I was glad to know her. She is honest and kept me informed every step of the way. Thank you!

I went into this process as a first time homebuyer and had no clue as to how the mortgage process works. Pre-approval to submitting an offer and getting all the paperwork figured out. Getting final approval from the bank and arranging the wire transfer before closing. I had sooo many questions. The worst part was this all happened at the outbreak and shutdown as a result of cover-19. I’m in construction and still worked through it all, Mariel was awesome and answered my phone calls and text messages at 7, 8 o’clock at night. She totally held my hand through this whole process, which I am very grateful for.

Mirela went above and beyond our expectations! As a self-employed individual, the laws required us to jump through hoops, but Mirela assisted us with greatly detailed attention, which could be hard to find in the modern-day. She was very knowledgeable when it came to confusing questions or details. Even for concerns, we had and weren’t in her sphere, she was able to follow up with answers or solutions, sometimes within minutes. We are very pleased with Mirela’s services, and we would be happy to use, and comfortably recommend her services in the future! Thank you, Mirela!

Mirela and her team did an amazing job helping me to get approved for a mortgage. It was my first time applying and she answered all my questions and guided me through the process. Mirela saved me a-ton-of money and made the process very easy and enjoyable. I have learned a lot from her! Amazing person and extremely knowledgeable. THANK you so MUCH Mirela!

I would like to say thank you to you and your team for all your assistance throughout my home buying process. Your team have been amazing and made this a stress free process for me. I will be sure to recommend your services to others. Thanks  again for all the hard work your team did!

Michael was amazing and still reaches out which we appreciate.

Bravo to Whitney! She was the most communicative and organized person we dealt with throughout the entire process.

This is a review of my experience with Mitchell Morris, who was my loan officer. He was a rockstar. He was readily available throughout the process. He responded to emails and answered phone calls right away. He never failed to provide any information that I needed, and as a first-time home buyer and immigrant who didn’t quite know how a lot about the process in the US, I needed a lot of information. He did not disappoint. His availability was more than anything else very reassuring throughout this nerve-racking process. I am very happy to recommend him to you.

David was very pleasant to work with. He was super quick with his responses to all my questions and concerns. This process can be overwhelming, but he gave me his full attention and made it enjoyable. Will definitely use David again and highly recommend him!

Amazing work and professionalism throughout the whole process Samantha and Jennifer were extremely responsive and made a major life decision easy and very feasible. I would use them and recommend to my colleagues 10x over!

Just the fact that you care screams volumes. First I would love to thank you for the amazing experience I had with you, Connie and your team. The level of care I experienced is everlasting. Yes, I’m settling in my home, and today I turned over the keys to my apartment. When I wake up tomorrow morning this will all be real, I’M A HOMEOWNER!!! With the blessings of God and the prayers of my ancestors and this incredible team. I want to thank you so much for everything. Looking back, I sincerely believe you handled my situation the way you would have with a close family member and you didn’t know me. I really wish I could tell the world (internet) about my experience. The level of care and professionalism I experienced is LITERALLY, the best I’ve EVER had (besides Chik-Fil-A lol). Again, thank you for your service, thank you for your patience, thank you for your time.

We closed using First Heritiage Mortgage and Matthew was our representative. He was top-notch, was on top of everything, and always answered our questions. He was very attentive to our needs. From a mortgage experience pinpoint, he definitely had his stuff together and it was the best experience I’ve had so far using a mortgage provider. 

Brian, for the second time I have used you to refinance my mortgage loan even though I didn’t agree with the appraisal. The closing attorney was VERY PROFESSIONAL. As I arrived early for the closing, she was there to introduce herself and begin the closing. Usually, we all hear the “bad stuff”. That’s why I wanted to once again express my appreciation for the various professional “people” you use. Your service and the various people I dealt with were “Johnny on the Spot”. Each was on time for their appointment, and conducted themselves in a professional manner. THANKS, again, for all your help! I really do appreciate it!

Vivian has been really great to work with over the past 6 months. She has been very responsive, kind, helpful, and has gone out of her way to make this a smooth process for us. It’s not every day you come across someone this great to work with…we really appreciate her. You’ve got a good one there!

I felt really special working with First Heritage Mortgage. They provided several loan options and I truly felt that they had my best interests in mind. It felt like a friend financing my home and not a cold institutional lender. I still get a monthly email from them and one around every holiday. That just makes you feel like you are a special customer.

I was impressed that there were no “last minute” surprises. Having closed on several other properties where that occurred, I kept waiting for something like that to happen here. And it never did. Things happened when they were scheduled to happen and without any incident. It was a very smooth transaction.

It was great working with you as well! I appreciate how responsive, clear, and straightforward you’ve been throughout the process. Couldn’t ask for more.

Rob and his team were great to work with. They were always prompt to respond, explained the documentation well and gave plenty of reminders as to what information they needed. If questions came up regarding the loan or related documents, they were there to answer questions and give directions on fulfilling the requirements for obtaining the loan. They were instrumental in closing the loan/home purchase promptly.

I first tried a local county bank for my loan since the property was 233 acres with a house that was built in 1842. …I was putting 20% down and have excellent credit and was told it could close within 30 days. After 45 days and numerous requests to me, the appraiser, and title company, [as well as] changing the loan to me putting down 50%, I was fed up and called Will. Will and Nancy got us approved through underwriting in less than 24 hours. They closed the entire loan in 19 days and by the way we are both self-employed. We got a 30 year fixed, with 20% down and a better interest rate. Will Jacobs and his wife Nancy did a GREAT JOB and gave us a better loan. …Next time I will only make one phone call and that is to Will and Nancy. 🙂 They had NO PROBLEM with our finances and getting our loan done!!!!!

Trent was outstanding, transparent, and integral to my journey as a nervous first-time homebuyer going smoothly.

He responded amazingly fast to emails and worked hard to get me the best mortgage possible, especially when he was listening to my thoughts about other lenders, minimizing my interest rate, and calculating how much I would owe based on different possible properties and down payment amounts. Trent’s knowledge of the DC market was also superb.

Mandatory paperwork; consulting with attorneys for advice; and digging through years’ worth of taxes, bank statements, etc; are trying for many first-time homebuyers but Trent did everything he could to make the process easier for me. I am grateful for the chance to have worked with Trent and I highly recommend him for anyone looking for a professional, experienced mortgage lender.

Our experience with Aaron and First Heritage Mortgage couldn’t have been better. My husband and I decided to start home shopping in mid-late June. I immediately contacted Aaron and forwarded him documents from my husband and I. He not only processed our loan for a new home but advised us regarding refinancing our current property at the same time. We closed 30 days later on our new property and will soon close the refinance. Throughout it all Aaron has been responsive, informative, and helpful every step of the way. I’ve recommended Aaron and First Heritage Mortgage to everyone in my family and I will continue to do so whenever someone mentions an interest in home loans. Thank you Aaron and First Heritage Mortgage. You have earned a loyal client.

This was our second time working with Rob McElroy and his team. They are very easy to work with – they were very quick to answer all of our questions. Their process is so organized that it really made the process quite painless. We would definitely recommend Rob and his team to any of our friends and colleagues.

Rob and his team are courteous, responsive and easy to work with. Rob has overseen two transactions for me and the experience is always easy and seamless.

Rob and his team were incredibly helpful getting us our mortgage. We had originally applied with bigger banks/companies but all of them just tried to steer us to their standard loan package rather than giving us options to suit our unique situation. Rob was the opposite. He gave us multiple possible scenarios, including some, outlined the pros and cons of each one and took the time to answer all of our questions. Throughout the whole process, he and his team were incredibly responsive any time we had sent them questions or concerns. When the sale of the property whose proceeds we were planning to use for the down payment fell through days before closing on the new property he and his team were able to scramble and modify the terms of the mortgage with no delay in closing. With a different broker, we would likely have lost out on the purchase of our dream home.

This is my second time using First Heritage Mortgage and If there is a 3rd time I will use them again. Very comfortable with them and easy process with them, they make it smooth to work with them. Very satisfied with the experience with First Heritage Mortgage!!

After a bankruptcy and financial issues I never thought I’d be able purchase a house, let alone on my own. I got approved with another bank and was shocked! I went house shopping and was referred to First Heritage as they were preferred by the builder. I received so many perks going with them. The process seemed slow to me because I was anxious but Bernadette was always there to answer questions and reassure me when I got stressed out. When I got the Loan Estimate I sent it to other lenders to see if they could beat it and no one could. I got the best rate, no points and no hidden fees or charges. First Heritage was STRAIGHT UP!! I closed on time and had ZERO loan issues. I highly recommend them and the only thing I can say is when they ask for documents, get it to them ASAP!! I love First Heritage the home buying process is stressful but they made the loan process easy. Thank you for my first new construction home!!

A HUGE thank you to Augustine Homes, First Heritage Mortgage and Freedom Title Inc for the best home buying experience EVER!! We sincerely mean that.

From the very first meeting with Trista at Home Goods who led us to Deme at Courtyards at Colonial Forge Model, to Jerry at First Heritage Mortgage and wrapping up with Jim at Freedom Title Inc. We have been blessed by each of you and are truly grateful!

Thank you again!

We have used Rob McElroy for now, our second home purchase. Rob and his team were incredibly responsive, detailed and thorough. Rob was always available for any questions and reviewed all options with us. He was so helpful and we always felt more comfortable after speaking with him in what can be a very stressful situation. We recommend Rob to all of our friends and will continue to work with him for all future needs.

I reached out to James a few years ago to get advice on a sale that went bad and he advised me on what I need to do to get approved. He was right on with his recommendations. Fast forward to a few weeks ago. I saw a house and needed an approval letter. I got it the day I saw the house. Once we saw the house we fell in love. We put the offer in the next day. James was on it and helped the process move fast and efficient. He was communicating with us daily with all the paperwork. Took time out to explain things to us when we had questions. And trust me, I had a lot of questions. He gave us different loan scenarios so we could compare our options. So informative. During the process of closing, if I had any questions signing the paperwork, or before and during the signing, he was practically there night and day. Really saw it to the end. I would recommend James and his company as a lender.

I have worked with Michael and highly recommend him. He was always prompt in all communications and was able to receive most of the documentation via a secure portal which made it super convenient. He provided helpful tips as well during the process.

Big shout out and thanks to our lender Mike Filan for everything he does for our team! He helped a couple and their parents with the purchase of their new homes. Their parents were moving into the area and they all wanted to live in the same neighborhood. At the last minute, the parents’ lender was not able to provide a loan and Mike took over. He was able to provide the loan in 8 days! This is just amazing and is why I will always recommend him to my buyers.

The process was so smooth with Chris. He explained every step of the process and shared information and updates with me in real time. It was the best loan process that I’ve ever been through! I thought it was especially great that we were able to correspond through the electronic portal. I felt so much more comfortable sharing my documents through the secure First Heritage share site.

I can’t even begin to describe how professional, courteous, and responsive Whitney O’Meara has been throughout our home loan process. The treatment we have received from Whitney and the rest of the team at First Heritage Mortgage has been far beyond our expectations. Whitney is straight forward and prompt, making the loan process quick and painless. She kept us updated along the way and has gained clients for life! I will always turn to First Heritage Mortgage for our home loan needs and recommend friends, family, and coworkers based solely off the treatment we received from Whitney and her team. Thank you so much for this wonderful experience.

We cannot thank Jeffery and the team (Etmar and Leann) at First Heritage enough for making this process so super easy for us to understand. Jeffrey and the team are the best; they answered all of our questions. Jeffrey made sure we were comfortable throughout the entire process by keeping us updated with each steps and what to expect next. I will definitely recommend Jeffrey (who is open, easy-going, reliable and expert) and the team @ First Heritage without any hesitation. So thankful we trusted our first home purchasing financing with Jeffrey and the team. We really appreciate you and Susan (Real Estate agent) for all the supports throughout the process. Thank you!!!

I absolutely love how fast and efficient Scott and his team were during this entire process.

We were both really impressed by your responsiveness. I would recommend you in a heartbeat.

Throughout the entire process, Mariel and her team kept me constantly updated. I was never in doubt as to where we were and what was going to happen next.

I started my home buying process December 19th 2018 I will be going to closing February 15th. I can’t thank Jeffery and the team enough for making this process as easy as it has been. I’m still in shock that I bought my first home. If you are in the market to buy a home give Jeffrey a call you’ll be glad you did. He and the team at First Heritage are the best they answered any and all of our questions we had the same day. Jeffrey made sure we were comfortable throughout the whole process by keeping my wife and I updated with each step of the way and what to expect next. I will recommend Jeffrey and First Heritage without a doubt. Thanks again I really appreciate your support throughout the process.

Personally, I was very nervous about my purchase and taking out a loan. I had never done this before by myself. Mitchell assisted me and walked me through the entire process and never rushed me.

My husband and I are first-time home buyers and we had a great experience working with Jeffrey and his team. Jeffrey was able to present several scenarios for us and helped guide us in choosing the best option for our financial situation. Jeffrey, Etmar, and Leann were always available to answer any questions we had and kept our realtor in the loop as well. We had a very smooth closing with no surprises so I’m very thankful we had such a great team behind us!

Jeffrey and his team (Etmar and Leann) were an excellent choice for our home buying experience. Pain free and easy process. They walked us through the complete process. Their app was easy to use and so convenient.

Excellent service, thank you for your help with everything. It was a pleasure to work with your company.

This was our 5th home purchase. Without question, Scott at First Heritage was the BEST mortgage broker we have ever worked with. He was attentive, thorough, and always available, either by text, email, or phone, to answer any questions we had. Financing a home has become such a difficult process now and Scott was a true partner with Sheri and me to make it as easy and seamless as possible. I have already recommended him to others.

The experience I had working with Aaron Simmons was very awesome!! During the last six months, Aaron has been very professional and has had great customer service. I would recommend him to anyone.

Mariel helped my husband feel at ease at first because she speaks Spanish. She was kind enough to meet with us after hours because my husband works long hours. She along with our realtor handled a last minute discrepancy and she even showed up to our closing with a small gift in hand. She goes the extra mile throughout the process.

I truly had a great experience working with Jeff, Etmar, and Leann on the purchase of my first home. I never felt in the dark with the process and was able to get information anytime I needed in regards to any changes. Everyone put their all into helping me have the smoothest process ever. I would certainly recommend them.

Need the best possible service for all of your home loan needs? Than look no further!! Aaron Simmons is among the best of the best. I have worked with many loan officers, and I have yet to come across any that possess his drive, integrity, and attention to detail. Whether you’re buying your first home or your 5th, you will get the same level of excellent service every. single. time. You will not be disappointed!!!

I just wanted to take a moment to say “THANK YOU”!! You and your team made the purchase of my new home an easy and pleasant experience. Every step went smoothly! This speaks to the excellent job you and every member of your team perform on a daily basis. Although I know you and your team handle multiple loan processes on any given day, I felt that every member of your team was always available to assist me at any given time with any questions that I may have had. You have the best loan processing team!!!

We have worked with John for years, in our old house to refinance and in our current house’s purchase. We have readily given our friends and family over to him for going on almost a decade. He works to find the solution that BEST fits your family. He takes on the hardest of projects simply because he is driven to help everyone. So many times he is taking a call and working on a deal in the off hours because he knows that’s what is going to take make a loan happen for his clients. You soon learn that you are more than just a client but truly a valued partner. He never stops at the easy solution but keeps brokering a best fit for each person’s situation. He understands we all have crazy, hectic lives and finds a way to get us to the finish line with the least amount of stress and total bliss. John is by far the most professional, hardest working loan officer you may ever find. Whether you want a run of the mill refinance or need to work out a new home purchase, John puts in the time to get you into the loan that is going to the best solution for you. He is “MY Mortgage Guy.” The contact everyone needs to have.

To the awesome team at First Heritage Mortgage, Just wanted to say thank you so much for making this such an easy process. I feel like we closed in record-time – even with the threat of Hurricane Florence looming!  Even though we’ve done this multiple times, and I expect we’ll do it again at least once or twice 🙂 …. Thank you so much.

Liz is awesome.  She answers my questions and makes sure I understand the process.  I’ve shopped rates and never been given a better rate or better customer service than what I’ve received from Liz.

First Heritage Mortgage was very professional and attentive, from start to finish. I appreciate the extra lengths they went through to explain the process and policies. Everyone on the team was so knowledgeable and provided amazing customer service.

Everyone I dealt with during my loan application and processing was professional, knowledgeable, thorough, courteous and responsive. I had a great overall experience with FHM and would readily recommend it to others.

You guys have been such a blessing. I know this journey hasn’t been easy but nevertheless it was tolerable. I would like to thank you all for not giving up and doing exactly what you said you would do from Day 1… and that was make sure I GOT MY KEYS!!!! To start my NEW BEGINNING. Thank you and in the process I feel we have gained family.

Jeffrey and his team went above and beyond my expectations to help me with every step of the process. Keep up the great work guys! Couldn’t have made it without you!

Our experience with First Heritage Mortgage was excellent. Everything was completed on time and efficiently. John Cataliotti was fantastic. He always responded promptly to all of our questions, no matter how late it was. He even came to the closing of our house to make sure things went smoothly.

My wife is a real estate agent and she always works with David Bridges and his team which is why I got my mortgage loan through his team as well. My wife and I trust David and his team 100% and we know that they will do their best to provide us with the right loan options. We will always work with them for our future purchases as well. David Bridges and his team rock!

Jeffrey and his team made sure my loan processing went smoothly and there was no stress at all. Thank you for all you have done.

This is my second home purchase. I worked with Whitney for the first and the experience was so good I chose to work with her again. I’m so glad I did! As always, she was helpful, patient and kind, guiding me through the process.

Very efficient and friendly people to work with on our loan process.

As a small business owner, my loan process is complex with the need for many supporting documents. The team was extremely helpful throughout the process and made it as easy as it could be. I offer a strong recommendation for Lee and First Heritage Mortgage.

I would recommend Whitney to my friends. She was very professional and courteous. She made the purchase of our home very satisfying. I absolutely enjoyed the experience. Great group of people from First Heritage Mortgage.

My experience with the First Heritage team has been incredible and as pleasant as getting a mortgage could possibly be.

The loan process went smoothly, and the closing costs came in less than estimated.

My husband and I had a question regarding the VA loan before we decided on a lender, so we called Michael. It was on a Sunday and he answered the phone!! The fact that he was available to answer our question on a Sunday and that we couldn’t call the other lender outside of business hours was the deciding factor for us. I really liked how responsive he was.

I am very impressed with the quick response once I sent the inquiry about refinancing. Ryan took his time and helped walk us through all the steps we needed to complete the process quickly.

We were able to do all of our correspondence with him over the phone and through email. He was friendly, timely, and easy to work with. We felt confident in his knowledge and capabilities in refinancing our home. We received several promo letters from different lenders trying to get us to refinance. We called a few of them and “shopped around,” but Ryan was by far the best, and he was able to secure us the best rate and terms among all the other lenders we contacted. When we hit a small bump in the process where we needed an appraisal when we thought we wouldn’t, he went above and beyond to get things done. Overall we are extremely satisfied with the refinance on our home.

This was my first time having such a smooth refinance experience. Ryan was very responsive and experienced. He considered all my requirements. I would recommend him to my friends.

Ryan was very easy to work with. He was responsive and courteous. Ryan answered all the questions I had with care and respect. I would definitely recommend Ryan to my friends and family.

Ryan once again has proven and delivered exceptional and seamless experience with my refinance, no reason to go someplace else. Thank you, Ryan!

When you bring people and money together in a business transaction, sometimes things don’t go as planned. To avoid the horror stories that we’ve all heard before, it takes a professional who not only has product knowledge, but understands the needs of the client first. When you can find a person who has all of these qualities, you will find Ryan King. Working with Ryan was an absolute great experience.

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.

The experience I had with Aaron and his team at First Heritage Mortgage was “First Rate”! The loan process was seamless and quick and being able to get almost 90% of all of the required documents signed online was a breeze. Everyone was very courteous and professional. I will definitely be referring everyone I know to First Heritage and will use them again in the future!

Aaron Simmons was very helpful in assuring I understood how the process worked, the do’s and don’ts, what to avoid, and what to expect with each step leading to closing. I highly recommend the services of Mr. Aaron Simmons of First Heritage Mortgage.

Thank you for being such a huge help, Brandon. Working with you made the process less complicated and (virtually) painless.

We cannot say enough good things about Mike. If you are looking to refinance or buy a home, I HIGHLY recommend him.

Thanks for all of your help and for being patient with me as a first time buyer! I said it before, but I will say it again you were really amazing and made sure you were available to help me at all times and to give your advice even when it had nothing to do with the actual mortgage process!

Give Mike a call if you’re thinking about home financing! He is great to work with and has helped us get into the best deal both for our last house and this one. It’s always a great feeling to work with someone whom friends trust and recommend for business as important as mortgages! Thank you!

I do have to say that I did two refinances with you so apparently you’re doing something right!  And kudus to you, every question I had, and I had plenty, you were able to answer them promptly.

If you are looking for mortgage or refinance, Mike Ott is your guy! He’s a trustworthy person to do business with and he helped us save $200 a month on our mortgage!  Thanks Mike.

Mike is honest, knowledgeable and has assisted us numerous times over the years, saving us thousands of dollars on our mortgages.

We highly recommend Mike. He has helped us on many occasions and we’ve saved quite a bit of money. He is a very honest man that would work for your best interest. Give him a call.

We’ve had many refinances in the past, but this has been one of the easiest and fastest we’ve ever had. Mike did a great job helping us figure out the best loan option for our needs. He gave us a lot of great advice, and he made the whole process very seamless and straightforward. An awesome guy, and he did very well to represent your company!

My husband and I came into First Heritage Mortgage with the hope of getting a fixed rate and a lower monthly payment for our 1st and 2nd mortgage. Mike Ott worked very hard to come up with several options for us and worked very hard to get a fair appraisal so we could get the best rates. The online processes were easy to use to upload documents and sign documents. The closing went quickly and we had no last minute issues. I highly recommend Mike Ott and First Heritage Mortgage.

The mortgage process can be so overwhelming and frustrating but Jeanne made it really digestible and approachable by keeping us in the loop and making us feel like we were her only clients!

Not only is Jeanne incredibly polished, intelligent, professional and just so wonderful and pleasant to work with, but she is just so incredibly skilled at her job. From customer service, to getting us the best product, Jeanne really delivered on every possible expectation. Nothing was too much and we cannot thank Jeanne enough for being so patient with us as we navigated the difficulties of getting qualified for a mortgage.

From the first time I spoke with Jeanne, Jeanne made me feel at ease, making me feel like I was in great hands while making perhaps the biggest purchase of my life. Jeanne literally made our dreams come true and my husband, James, and I cannot thank her enough for helping us attain our little slice of the American Dream. We love our new house and are forever thankful to Jeanne for making it all happen for us– and in such a short amount of time! We will always remember how much Jeanne has done for us.

We want to personally thank you for everything you have done to help us close in such a short period of time. What you have pulled off is nothing less of a miracle! And we cannot thank you enough!

We all love this place! And all pre work documents were easy because of your help and expertise of the process. Thank you so much for your help in getting us in this home!

I just want to say thank you for everything you have done for us over this closing and the previous one. I appreciate how patient you were with us and all the hoops we had to jump through to get this house for us. You worked very hard for us and I appreciate that. I have recommended you to a friend of mine who is moving to the area. Again thank you and I wish you the best of luck in your new venture.

I had a wonderful experience working with Michael and his staff. Michael did an excellent job explaining in great detail all material and questions. He was always responsive, incredibly flexible and accommodating (including night and weekend phone calls.) Michael and his team were super efficient, knowledgeable, and really made you feel like you were their only client when they’re working with you. As a first time home buyer, I can’t imagine having a more positive experience and highly recommend Michael without reservation to anyone looking to buy a home.

Mike was extremely knowledgeable about the lending process. He helped us lock-in the lowest rate. He was very transparent with everything that we were signing. We were very grateful for Mike’s assistance during our home buying process.

Michael was an absolute pleasure to work with. He made buying my first home possible. He helped me understand the whole process and got me up to speed about borrowing money for my first home purchase. He help guide me in to make the better choices. He was reliable, informative, honest and informative in every step of the way. Thank you Michael for making this possible and hope to do other business with you in the future!

Aaron made what could have been a very stressful experience turn out to be the most enjoyable and easy process. We truly feel grateful to have him be a part of our home-buying experience. He made sure we understood everything, was always accessible, and flexible meeting with us if we needed clarification on things. Aaron truly is remarkable.

Aaron and his  team were terrific with helping me getting all the info  together and on time. They  are good with allowing you time to get all your documents together.

We were uncertain of our financing options when it came to our second mortgage. Jake was not only extremely helpful, he was thorough. We feel like we made the right decision for our family, because we were informed of all of our options. If you are looking for a lender who will engage 100% with your home process, Jake is your guy.

Jake led the smoothest process we have been a part of as home buyers. He clearly outlined what was needed, thoroughly explained the documents, answered questions, and made the entire process stress-free.

Jake King was a pleasure to work with. He was extremely professional, knowledgeable and pleasant. Jake’s communications through the process were exceptional. He was proactive with his communications letting us know where things stood during every step of the process. He was also quick and thorough in responding to our questions. We are very happy with the terms and conditions of our loan and appreciate the great service we received from Jake. Thank you for making this process so easy.

Jake is very professional and prompt, I appreciate his kindness and hard work. If you need someone to get your loan done, call him right away! I look forward to working with him again.

We just wanted to send you a short email to thank you for making our home buying smooth and easy. We appreciate everything that you did and if we know anyone looking to buy a home we will refer you. Thank you again so much.

[The] Jacobs Team has helped us with couple loans over the past few years and we have always been very pleased with their services.  Their team is extremely helpful and efficient – all questions are answered within minutes.  Very smooth process from initial application through closing.  Absolutely loved working with Will and Nancy!  Would not go anywhere else for mortgage financing.

Thank you so much for all your assistance in my first home buying experience.” “I appreciate all the time you spent explaining the process , running specs and doing everything you could do to make my loan go through!

Michael Travis is the consummate professional.  He followed the market and called me on two separate occasions to take advantage of record low rates and refinance my house.  Thanks Mike, I’m still sitting on a rate that is the record low for a 30 year fixed.

The loan process was extremely fast and smooth. The entire process was explained very well. Every step of the process was completed when I was told it would be and we did not experience any issues.

After being referred to Chris Grant by a family member, I could not have been more pleased with the entire experience. Chris was extremely patient, and very upfront with me as I asked numerous questions regarding the loan. I appreciated his honesty, and at no point did I ever feel pressured to close, nor did I ever feel I was being locked into a 30 year mortgage that wouldn’t benefit me. When it comes to major financial decisions, I’m overly cautious, and I truly feel that no one could have done a better job than Chris, and his entire team. I highly recommend using First Heritage Mortgage, and will absolutely use them again!

Working with Chris was a pleasure. He was attentive and responsive, always getting an answer to our questions within minutes. Thanks to Chris the experience was hassle free.

I am a first-time homebuyer and young (26 years old). This was not only my first mortgage, but the first loan I have ever taken out (save for credit cards/student loans). My loan application was a little tricky as I just switched from a 1099 worker to a W2 wage earner two months before my loan closed. Chris and Kiara were there 100% of the time and answered every question I had quickly and let me know ASAP what additional documentation was needed. Not only would I recommend First Heritage, but the dream team of Chris and Kiara was great.

My husband and I wanted to drop you a note in order to express our thanks for helping us to secure a mortgage and with the loan process. You have always taken the time to assist us, even on weekends. Always taking my phone calls and go above and beyond to help out any way you could. I’ll be sure to recommend my friends who are shopping for homes to you. Again, thanks for your help.

From Jerry along with the rest of the team, we were consistently pleased with the service and responsiveness we received with our unique loan requirements. This was true from our opening meeting until our closing.

Mr. Berry and his team were great to work with. From the very start, they had my best interest in mind and took care of everything in a very professional manner!

The entire staff was extremely kind and professional. I could reach out to them at any time of the day and always received prompt and timely answers to my questions. This was my first mortgage, and I will definitely come back to them in the future!

Being committed is not enough anymore. Our passion to create the best customer experience is what defines us. It makes us smarter, faster, more innovative. It creates a culture of success.

I have worked with Brad McGehee and First Heritage previously and therefore I am a repeat customer. The process was extremely well organized and painless. In todays financial climate, loan processing has become an epic paper chase. Brad and his team made the process understandable and manageable. More importantly, I felt that my best interests were the priority and that First Heritage was trying to solve my problems/achieve my goals and not trying to maximize their financial gain.

Extremely knowledgeable, professional team who are very easy to contact at any time with questions, concerns, etc. I would absolutely recommend Brad McGehee and First Heritage to anyone looking to purchase or refinance. Wish I had found them sooner!

Brad McGehee and his staff are top notch! They were recommended by close friends of ours. Brad, Samantha, and Sherry went the extra mile to guide us correctly through the loan process. There were some hurdles, but they took them in stride and kept focused on us and getting our loan set. I will recommend them to anyone that is looking to purchase a home. Thank you Brad, Samantha, and Sherry for helping us get our mountain dream home!

Brad & Samantha always go above and beyond. They think outside the box and come up with creative solutions to keep my clients happy. This time Brad personally met my client so she wouldnt have to scan documents at Staples. Stellar job, yet again!

Jeanne was wonderful, she was really amazing and made the process a breeze. My only recommendation would be to make the instructions in the automated emails more readable by using more spacing and bullet points as it can be easy to miss some of the finer details regarding the process.

Jeanne was great – thorough, responsive, and took her time in explaining everything to a first time home buyer. Thanks for making the experience easy.

Jeanne Bidwell is far and away the most polished, knowledgeable and pleasant loan professional with whom I have ever worked.

I have applied for mortgages to purchase or refinance a home approximately two dozen times in my lifetime. The First Heritage people we worked with were undoubtedly the best, most professional, and personable group I have ever worked with. Everyone we worked with was very helpful, timely in their responses to questions, very personable, and extremely knowledgeable. I could not have wished for a better experience.

Thank you for assisting me to refinance my loan. I really appreciate your time and effort that you have put to materialize this deal. I was able to reach you anytime and you have clarified all of my doubts. Your timely guidance on interest rate locking and closing was the secret of this success. As a client, I am amazed by your orientation skill. It was pleasure doing business with you and your team. I will definitely refer you to my friends for potential loan applications.

James was with us through 10 purchase offers and five contracts (four of which did not complete for various reasons) before we finally got our house. He was patient, professional, and knowledgeable throughout the process and even answered questions and provided pre-approval letters on the weekends and in the evenings when needed. We recommend him without hesitation.

James was really great. He was available to talk to the sellers agent when they were deciding between offers, which helped strengthen our offer. He gave us lots of information to help us understand our options and decide what loan was best for us. James was also very communicative throughout the process, and was quick to address questions. Both of the realtors involved were positive about his service.

James Walker is an exceptional loan officer. He worked through some (what I thought) were very complicated and challenging issues with me. Always providing professional advice in a clear, understandable way. I felt he went the extra mile to address my needs promptly and was always friendly and courteous. He made me feel as if my needs were his and that I was the only one he was working with. If I ever need a mortgage or loan adviser again, James will be the first person I call.

James answered my many questions and provided detailed loan and rate options. He went to bat for me with the listing agent to close the deal and even took her call at 6:15 am to do so. James is very personal, knowledgeable, and available to go through the HUD-1 info. James went out of his way to attend the closing to provide the next level of service. I look forward to working with James for any refis or loans in the future.

It was a great experience and James was very personable, available and knowledgeable. He was always responsive and insightful when I posed any questions to him. The only slight snag in the process finalizing the Home Owners insurance, but it ended up working out well in the end.

Paul is extremely professional and responsive. I was able to reach Paul via email and his cell phone – something I really appreciate. Paul was instrumental in getting my loan through the gauntlet and to closing. I hope to do business with him again in the future and would recommend him to anybody looking for a loan – especially a renovation type loan.

Great working with this team. They navigated a difficult purchase with many moving pieces and responded quickly to questions and issues. We would work with them again.

Working with Chris was great! Chris was very knowledgeable and helpful from the first moment we spoke on the phone up until the date of our closing. Chris is a straight shooter, who worked hard to get us the best loan/deal we could on everything, was honest and upfront with us and was very efficient in his work, communicating in very timely fashion and very thoroughly. I would HIGHLY recommend Chris to anyone looking for a lender they can work with easily and trust to take them through the process seamlessly.

We have refinanced with Chris four times. He is professional, thorough, reliable, and has a friendly approach. Hes very accessible and no question goes unanswered. All of these attributes are extremely important to make your loan process go as smoothly as possible. We will continue to use Chris as we hope to find a vacation home soon.

Process was explained and all my doubts were answered, Chris was all the time in touch even taking calls on weekends or nights. He helped us to get a low rate! Thanks!!

I have worked with Chris twice as a buyer. Obviously, I was extremely pleased with my first experience with Chris because 6 years later, I went back to him. Chris gives exceptional service. He is deeply knowledgeable, and his response rate is very fast. Also, Chris has sterling integrity, so you can trust him completely. He is very easy to work with because he is understanding and flexible. Moreover, Chris will work tirelessly to get the best results for his clients. I highly recommend Chris, and I have recommended him to friends and colleagues. You will be completely satisfied with your experience with him.

Chris was very quick in responding to emails, texts, and phone calls. He also answered a lot of questions for us, and presented multiple detailed breakdowns of our different loan options. He also worked closely with our realtor to keep everything moving along smoothly.

Chris was great to work with. He used his skills and knowledge of the mortgage industry to bail us out of a difficult situation. We were referred to him at the last minute due to issues we were having with another mortgage company. Chris worked with his management and went above and beyond to successfully close our loan on time. I highly recommend Chris!!

Chris has been amazing to work with. Ive used him for two home purchases and he was always quick with knowledgeable responses… Im getting ready to sell my current home and will certainly use him again for my next mortgage. Would absolutely recommend him!

Chris and his team have helped out with both of my mortgages to date. I could not have asked for a more streamlined or pleasant experience from someone. His helpfulness and attention to customer service has earned my repeat business. Had it not been for these excellent qualities, I may have not purchased my second home. I would highly recommend him and his team for future purchases and/or home mortgage advice.

Ken was the only lender of 4 we talked to that knew how to make our situation work. We could not have gotten a loan without him. Call Ken first.

Ken and and his processor were great. They made the loan process easy and had quick answers to any question that came up. Ken put us at ease when the paperwork and process seemed very overwhelming.

Your side always functions so smoothly & quietly that it has become the norm for you & your team to hit snags or issues & just get them settled or done as if no big deal. Trust increases each time we hand off a new loan prospect to you!

We are so happy with our decision to use First Heritage to acquire the loan for our new house. Getting a loan takes a lot of steps from start to end but Jeanne really made it as smooth and transparent as possible. She empowered us with the knowledge to make the right decisions, always was available to answer questions, and had a genuine interest in helping us secure our loan. We are very happy with their service!

Thank you for responding in your usual superb manner. Immediately and always like a major ray of sunshine. I have to think the mortgage Gods are with me and I’m overjoyed with the new rate.

My wife and I had a great experience with First Heritage. This was our first new construction purchase and between the builder (Stanley Martin) and First Heritage, we could not have asked for an easier process. Ms. Bidwell and Ms. Daniel were very attentive, responsive and knowledgeable and they turned what could have been a stressful event into a non-event. Could not have asked for a more dedicated team of loan officers.

My client was slow in responding to requests for documentation and the First Heritage team diplomatically worked with her to get everything needed in time.

Just a note of thanks for the 1.5 years of support to get our loan in place. We feel we have known you for years. You’ve been absolutely wonderful to work with. That was the best cold call we ever made. Without your help we couldn’t have done it.

I wanted to take a moment and thank you for making this process of buying a house as painless as it could have been. This has truly been a dream team of house buying. I feel confident in my purchase and everything behind it, and thats all because of you three. Its great knowing that I can put a check in the box and know where Casey and I are going to live. I look forward to joining the NoVA community and seeing you around. From the bottom of my heart, thank you.

I know I’ve never actually spoken to you, since Thomas tends to handle all of the big financial things in our family—-not my forte! But I just wanted to send a note to say a huge thank you for your hard work and all that you have done for us!!! I felt so much better after Thomas said you were able to work with us on this new home adventure. Just wanted you to know how much we appreciate you!

Elliot Roberts is an outstanding person to have for the home loan process. He was patient with me and displayed a sense of integrity and compassion during our conversations. His knowledge of the overall process was superb and he frequently reached out to check in on me and answer any questions I might have. You really don’t find that personal touch anymore and I was happy to introduced to Elliot! Thanks again Elliot keep in touch!

Willing to go the extra mile to help get things done. If we didn’t understand something she took the time to explain it. We would have been lost without Whitney’s help. I would recommend her to everyone.

Whitney was instrumental in obtaining a pre-qualification for my home loan. I have never seen or experienced a more efficient closing process after I made an offer on my home. In three words I would describe my dealings with Whitney: Smooth as Silk.

Thanks for all your help with a lot of effort of getting my credit score up, getting me approved, and finally getting me a house. I appreciate all you have done for me.

I got a loan through Ms. O’Meara and it was a pleasure to deal with her. She was very professional but was able to make it a delightful personal experience as well. I would gladly use her services again if I had a chance at my next home purchase.

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.

As stressful as buying a home is, Ms. Whitney was very knowledgeable and made me feel very much at ease as the process went along. She kept me up to date with every little detail and worked very closely with my Realtor to ensure no major issues would arise. She was a blessing.

Lee walked us step by step through the process of our mortgage. He went out of his way to make himself available to meet with us and answer our questions. He was proactive and ensured that we closed on time. We were very impressed with his expertise and would highly recommend him to anyone trying to procure a mortgage.

Lee Sansom takes a nerve-wracking, nail-biting, time-consuming process and makes it smooth-sailing! He builds professional relationships with clients which is why I am always recommending him! Though he is very busy, he always has time to go the extra mile! He stays in touch and handles all the details. He really is a rare find!

I am a previous mortgage client of Mr. Lee Sansom. Initially, Lee. took the time to discuss loan product options in detail, and talked about the mortgage market in general, in a way that reminded my husband and I what factors influenced interest rates. Without a crystal ball, we felt confident that we were in good hands when it came time to make the decision to lock into a rate, or not. Once the mortgage loan was in process, Lee went above and beyond the duties of a lending officer on our behalf! His knowledge of not only the process, but real estate in general, turned out to be extremely helpful to us. We ended up in a very precarious situation with our real estate purchase, and if it werent for Lee, we absolutely would have had a very bad ending! Real estate transactions are stressful enough, having the confidence in your lending officer, and the support of your lending officer is invaluable. I highly recommend Lee for any mortgage needs.

As working parents with two little ones and a baby on the way, we were extremely worried about the financial process. Did we have enough for a down payment? How much could we afford? Could we make it work? I was so nervous going into the meeting with Lee Sansom, and I walked out feeling confident and ready to find our new home. He was knowledgeable, took time to answer our questions, and most importantly he listened to us. Lee was also readily available to speak with us as we upped our budget a little more during the search process. He quickly gave us updated numbers so we could make well informed decisions putting in an offer. Once we found our new home, the communication with the loan processors was impeccable. Everyone was proactive, which again eased my anxiety as we packed up our old house and got ready for the move. We cannot say thank you enough for making this happen for our family! We highly recommend Lee Sansom and the First Heritage Mortgage Team. You wont be disappointed.

As first time home buyers, were very nervous about the process. Lee met with us and walked us through the process from the beginning. That education about the process and everything involved gave us the confidence we needed to shop for homes with our realtor. I can assure you I will always refer Lee if we have friends that need mortgage help. I wouldnt recommend anyone else.

Vicki and I want to thank you, Chris, Rosalind and the entire First Heritage Team for all your hard work in making our loan happen. I know it’s tough to pull information from your clients when needed, but all of you do a very professional and efficient job. We value your friendship, both professionally and personally, and appreciate all you do for us and Britt.

Tim – Stacy and I would like to take a moment to thank you and your entire team for working with us over the years – this is the third mortgage that we have done with you since we first signed the contract on our primary residence with Stanley Martin in 2010. Through your knowledge of the market and our unique situation (both were clearly required), we are FINALLY able to refinance our condo. While other people may have walked away from a property that was significantly under water, we feel validated that we never missed a payment on the property even though we didnt know when or if we would be able to refinance it. Doing the right thing can pay off – not to mention keep your credit score over 800! I anticipate our family having over $1,000 more a month in light of this refinance. We will continue to recommend you and First Heritage Mortgage to everyone we possibly can!

I had great hesitation going into refinancing, I had heard all the horror stories. Working with Scott Kinne at First Heritage Mortgage was quite the opposite. Every step was clearly explained, there were dedicated professionals to answer all questions and all calls/e-mails were answered very quickly! Overall this experience couldn’t have been better. I would highly recommend anyone considering refinancing to consider working with Scott Kinne at First Heritage, you won’t regret it.

I couldn’t be happier with Scott and his team. Scott went above and beyond at our first meeting explaining everything about the process to us as first time home-buyers – and answering every one of my questions. From there we were in the hands of his capable team who were responsive, organized and very friendly – and Scott was always available if we needed anything. It was obvious this team has a wealth of experience and had some great tools that made the whole process easier including online signatures for most documents and a secure transmittal system for important documents you wouldn’t want in your regular email. In summary, great team, great process and great support along the way. I will definitely be recommending FHM.

After comparing with over 5 lenders, we settled on First Heritage Mortgage based on the outstanding interest rate and closing fees. Thank you so very much for all of your help in securing our loan for our new home. You were organized, thorough, and professional, as well as caring which made all of the difference in our interactions with you. You were completely upfront about the costs and whether the deal made sense financially. I really appreciate everything Mr. Kinne did for my husband and I to finance our mortgage. We will certainly contact Mr. Kinne for our next loan and we will not hesitate to recommend him to our friends.

I was very impressed with Vivian Daniel’s professionalism and responsiveness. I submitted an application over 10 months ago while our home was being built. Whenever I had a question, needed more clarity, or simply to weigh options Vivian was always a phone call or email away. Vivian comes highly recommended by our family because of her high job knowledge, customer service, and her ability to relate to customers who don’t deal with the mortgage industry every day. She is an asset to your team!

I wanted to personally let you know how much I appreciated working with Vivian. Her attention to details and timeliness in providing me clear, exact numbers made my decision to use First Heritage Mortgage very easy. While other lenders and loan processors were bouncing around with needed loan docs and rates, you guys were able to be consistent and efficient in creating a clear path. Vivian did the work others were unable to do for meeting my partnership needs. With my background in the human relations field, her positive spirit and professional guidance is what I needed to go forward. I felt connected to her which allowed me to trust your organization would be the mortgage people I wanted to complete my home purchase. Vivian practices the respectful inter-personal skills I teach my clients. Vivian was able to provide that level of trust and confidence for me to go forward with committing to First Heritage for my mortgage needs.

My process has been quick and easy. Customer service is superb. I get my questions answered and the loan process is finished right on schedule. Ana was even working with me that fit my schedule. I have a good experience with her as a first time home buyer.

I was so lucky to have Ana as my mortgage loan officer, because she is very knowledgeable, very patient and as a first time buyer I had so many questions and doubts but she took the time to explain every single step and to answer every question I had. The loan process was smooth and it was done in a timely manner. I highly recommend Ana as a mortgage loan officer. When is time to refinance, I will definitely go back to her.

Ana was great! I had some unique challenges with my loan application and she was never thwarted! She helped me find solutions and I was able to purchase a new home on my own with funding that she found for me – and at a great rate, too. I would recommend her to anyone who is looking. Go to her with your needs and let her work her magic.

Ana was great throughout the loan process. She was able to provide answers to all of our questions in a very timely manner. I would recommend her to anyone looking to get approved for a home loan in the DC area.

Ana provided great customer service to me and my family!! She responded to all inquiries regarding homes that me and my family were interested in. She never hesitated to run numbers for me at anytime, if I were to do this whole process over again I would definitely choose Ms. Arana again!

You will not regret having David Bridges and his team as your lender….hands down! I cannot say enough good things about David and his team. He is genuine and professional, key attributes for this type of business. He is very knowledgeable, gave us great counsel on improving credit, and got us an excellent interest rate in the end. David answered promptly and thoroughly all of my questions, (I had a lot of questions) he makes a gigantic transaction go smoothly! His staff, Elaine and Kim, are equally as courteous and professional, they take you by the hand every bit of the way through the mire of paperwork needed!

When my wife and I were looking to move out of our town home and into a single family home five years ago, we were introduced to David J by a very lucky chance. During our first meetings, a lot of time was spent understanding not only our financial situation, but also our family needs before offering advice and a plan for moving forward. After moving into our new home, David J called periodically to ensure that we were doing well and to keep us informed on current mortgage trends. It is refreshing to know and work with someone who takes the time to establish a personal relationship as well as a professional relationship with you.

We are grateful with Davids expertise and genuine interest and getting us the best deal for our loan. We really appreciated him recommending floating the interest rates until we hit a good low interest rate, also David coaching on improving credit and answering the barrage of questions along the process. On Elaine, wow keeping us straight with all the documents, she probably knows our financial picture better than ourselves! She was so patient walking us through all the docs needed. We were very fortunate with this team, God bless them

Very thorough and very quick! David answered all questions and addressed all concerns that I had during this process. He was very patient with me and he made me feel very comfortable. I would recommend him highly. Thank you!

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!

Our experience with David was phenomenal, as he was simply a pleasure to work with. Not only is David extremely knowledgeable in his field, but he was very easy to communicate with. David had our backs throughout the entire home loan process, as he was always available and willing to answer questions, along with talk us through whatever stage of the loan process we were in. He made sure he did everything he could to provide us with a competitive interest rate, as well as educate us about our home loan. David has an amazing work ethic and went above and beyond for us to ensure our needs were being met. We will definitely be using David down the road when its that time for our family to buy again.

My wife and I were a little intimated by buying a home in the metro D.C. market due to the home prices in the area. David did a great job and breaking everything down for us piece by piece to ensure we had the financial information we needed to make a sound decision on whether or not to buy. It was an excellent experience and I am happy we chose David to finance the purchase of our home here.

Mr. Bridges and his team were professional and always friendly when helping me with the process. I truly enjoyed my experience with First Heritage Mortgage.

From the first face to face to the last they guide you all the way. They keep you informed and answer any question you have or find out the answer for you. They are very honest and keep your interest number one. They go out of their way to make you feel like you’re their only client. They listen to what you want and don’t try to guide you to something you don’t want. I am truly satisfied with all of them. Everything that was in their power was handled on a timely manner. I wish that was true for the others. They could learn a few things from this family. It was an honor to get to know them all and work with them.

As a top producing real estate agent in Virginia I get approached weekly from every lending agency under the sun, trying to earn my business. I recommend and use David Bridges as my primary lender for 3 main reasons.
Honesty- David does not operate in gray areas. He is truthful and concise with every buyer. There is never a surprise at settlement!
Integrity- David operates at the highest levels of moral and professional ethics. He can be counted on to always choose the more difficult Right Path, than the easy wrong one.
Customer Service- When I put my clients in touch with David, I am always 100% confident that they will be treated with the utmost respect and professionalism, and presented with the absolute best mortgage programs available.
David can Make Things Happen where others lenders fall short!

As a first time homeowner, I was completely terrified of the process. Phil and his entire team were excellent at explaining all steps of the process. The team was very patient and reassuring of my never ending questions every step along the way. I am overwhelmingly pleased with the services that I received from First Heritage Mortgage and will definitely refer their services to others. Thanks for everything!!

This was a wonderful experience. We had a horrible experience with another builder and lender that left us a little gun shy. But the process with First Heritage was very smooth and painless.

The team at First Heritage Mortgage worked exhaustible to provide & clarify documentation pertinent to execute the mortgage process, as this was done electronically. It was also my first experience and proved a little challenging at times. Mr. Mitchell Morris was always available via phone, text,emails & whatever mode of communication to get the job done. Thank you all

Mitchell, our warrior, without your constant battle on our behalf with unscrupulous creditors we probably wouldnt be here. We are especially grateful for all you did to assist us in getting the erroneous derogatory information erased from our credit report. This was a chore and you didnt have to do it but you stood toe to toe on our behalf with stubborn creditors in getting them to do the right thing. Thanks for the work you did to ensure we received a tremendous interest rate. The level of care you showed us made us really feel we were a part of your family. We thank you for all the Friday night e-mails and weekend work you did to keep us on track and ensure our file was ready and fit for a great closing. You have the best team!!!!!

Mitchell, Chris, and Kiara provided great service, from the first time I talked with Mitchell, all the way through closing. Whenever I had a question, or needed information, all of them responded in a timely manner, either via email or phone call. They made the process easy (well, as easy and painless as getting a mortgage can be) 🙂 and explained everything in a way that I could understand, especially when it came to deciding on a couple of options that existed throughout the process. Thanks to all.

Mitchell was outstanding to work with from start to finish. He even showed up at our closing, which, as first time home buyers, was incredibly reassuring. I have already recommended Mitch to other potential home buyers, and I could not recommend him more highly.

Mitchell was great; so patient with all of my many, many questions, and everyone in his office worked so quickly to make sure everything closed on time.

Working with First Heritage Mortgage, and specifically Jeff Neilsen, from Chicago to purchase a home in Haymarket, VA., the process could not have been made smoother start to finish. Jeff and his colleagues were all very responsive, helpful and knowledgable. Jeff was extremely friendly throughout all communications and made our family feel completely comfortable in our decision to purchase and then throughout the process. From first contact long distance to closing day, Jeff addressed our needs and made our move to our next adventure possible within our very tight time frame. Wed recommend Jeff and First Heritage all day long to anyone looking. Very grateful.

Last year, I attended a first time home buyer seminar. Jeffrey Neilsen was the guest speaker. He explained the entire loan process in clear, concise language. He patiently answered everyones questions. When I was ready to purchase a home, I knew I only wanted him as my lender. He, and his wonderful team, once again held my hand through the entire process. My nervousness went away, because I knew I was in good hands. Their professionalism, and immediate responses to any and all questions I had, were stellar. Jeffrey even helped me secure a realtor, that I was comfortable with. Between Jeffrey and the realtor, I felt like family was helping me through this journey. It was a pleasure working with the First Heritage Mortgage team!

Jeffrey Neilsen & FHM made us feel comfortable in the mortgage loan process. We were presented with two options, laid out in detail, as well as a few comparisons. The two options were very easy to understand…there were no ambiguity (double-talk and hidden fees). Each request was precise and succinct whereas we were able to anticipate the next step. Therefore, making the loan process smooth with nominal stress. The whole team were very professional and personable. I would highly recommend FHM to anyone that is looking for a mortgage lender that offers great loan options, knowledgeable, professional, friendly, and customer focused.

Jeffrey and his team are AMAZING!! From the moment I spoke to Jeffrey I felt a sense of honesty. He is highly professional, extremely knowledgeable, and responsive. We put our trust in Jeffrey and he most definitely came through for us. We can’t thank him and his team enough for their patience as well as treating us as people rather than just home loan customers. Jeffrey most definitely stands above the rest and I will recommend him to every person I know who is in need of financing.

It was a great experience for us. Jeffrey Neilsen sets the bar so high for the competitors. I really feel blessed that he and the company was the one who handled my case. As I’ve mentioned, he is on top of his game and if I could rate him on a scale from 1 to 10, I’d give him 10+.

We had a wonderful experience with First Heritage Mortgage. Almost everything was electronic which made things very convenient. At the closing everything was in order and very fast. The customer service is second to none. Ive bought 3 homes now and they were by far my best experience from start to finish.

Thank you Scott for all your assistance in the purchase of our new home. If not for your guidance we probably would have kept on renting a much smaller place and not the beautiful home we now have! Be assured, we will be sending all our friends and family to you in the future. Thanks again.

Thank you for answering all of our questions and for helping make the process a smooth and transparent one. You and Karen have been very professional and diligent with us. In the future we will keep First Heritage as our first choice for mortgage lending and will tell others about the great service we have received!

Scott & Team, I just wanted to send out a very BIG Thank You to all of you. This has been a great experience with you all from beginning to finish and Barbara and I are very happy with the new house. Thanks again and take care!

Linda and I would like to thank you for your work on our refinance. We have been pleased with the timeliness and trouble free process that occurred. As was the case when we first purchased the home, it was a pleasure doing business with you again.

I just wanted to thank you for all of your hard work. None of this would have been possible without you. I never thought being a homeowner could be this much fun (well except for the mortgage payment). You are an awesome lender & hopefully we can do business again sometime in the near future.

I just wanted to send you a quick note to let you know how thankful we are to have met you. Not only did you educate us on financing and purchasing a home, but also provided me sound financial suggestions which I confirmed as being in our best interest with our financial advisor. Every aspect of the purchase and settlement went just as you had outlined and planned. Be assured, you will always be our Lender and I am referring you to all my friends and family. Thanks again for taking the extra time to help us. We are eternally grateful!

I just wanted to send you a quick email to let you know how absolutely unbelievable Kristina O’Neill has been as my Loan Officer and a huge part of the success I’ve had selling 18 homes here in 2 陆 months. She is extremely knowledgeable, proactive and solution-oriented in all that she does to provide myself and my buyers with stellar service on a daily basis. It is not often that you encounter that kind of commitment, dedication and passion and I just wanted to let you know how much I appreciate and value Kristina and our partnership.

We LOVE our home. Your professionalism, punctuality and wealth of experience helped us make the right choice every time we have embarked on a new milestone. You are family. I wish we would have known you when we bought our first home in 2006; nonetheless, our recent home purchase was a success because of you. We are truly grateful and hope that you know how much we value your financial advice. I look forward to working with you again in the future.

We have been in our first house for a year. As we count our blessings we remember you and all your help through the home buying process. Thank you for helping us last year. We are so happy in our home.

Tom, words cannot express my gratitude for all the help you rendered! I appreciate it all! ☺ It was a pleasure!

Tom, we want to thank you and all your staff for the excellent service that all of you have provided. As four years ago, you gave us the best available options and definitely you will continue to be our first option in any future mortgage transaction.

Tom, a huge thank you to you and your team for everything you have done for such a quick turn around. We are so very grateful and are looking forward to moving into our new home.

Tom Wessel was prompt, patient, and understanding during the loan process. His advice beyond our immediate loan was generous and helpful. Tom explained things to me in a way that gave me confidence during my first mortgage loan experience. Would highly recommend Tom Wessel as a loan Officer.

Tom and his team made our re-finance easy and understandable from start to finish. This is my third time re-financing but my first time using First Heritage. This was by far the best experience we’ve had. Every question we had was answered quickly and courteously. And we didn’t have the information void that we usually experience in these situations. You know the period after you’ve locked in with somebody and you suddenly stop hearing from them for a while? Tom and his team were easy to communicate with and were thorough and professional for the whole process. This was re-financing the way it should be. Thanks to Tom and the entire team of folks who helped us at every step of the way.

Thank you so much for all your help, guidance, and patience as I found my first home and got my first mortgage. You were always so friendly, kind and went of your way to make time for me, and I appreciate it tremendously. Thanks again for everything.

Thank you for all your help and guidance with the purchase of our new home. We truly appreciated all the time you took to help us and it made us feel more at ease knowing that you were our lender.

On behalf of my wife and I, we would like to thank you for assisting us throughout our refinance process. I want you to know that your institution offers the easiest and most stress free process that we have been through. All of the financial stuff is foreign to my wife and me, but you made it as simple as it could be. I personally want to thank you for being patient with me throughout this process because I know that I can sometimes be hard to deal with. Again, thank you and we recommend your services to everyone we know.

Working with First Heritage was great, and Phil’s team did an excellent job of clearly specifying everything through the loan approval process. You could tell they were definitely on the customers side, and did everything in their power to get you the most competitive rates/benefits.

Phil’s team is now like family. They truly cared about my family and our issues. They walked through each issue and were able to make sure that everything was done properly, timely, and we always understood what was going on. I am a life-long customer!

Phil is incredibly knowledgeable about the loan process and helped choose the loan that would fit best for us. His assistant Vivian was available and responsive at all times.

Phil is amazing! He makes you feel like you are his only customer. He is attentive, and he takes the the time answer all of your questions and address any concerns. His customer service skills are simply superior.

It was one of the best banking experiences I think I ever had with a client. Phil and his team were on their game the whole time and gave us no reason to panic at the end. Most of the mortgage loans surprise you at the end of the process and settlements get delayed. Not this time!

It was a pleasure working with FHM and particularly with Phil and his team. They know how to handle everything and the client has a worry-free experience through the loan process. I will recommend FHM and Phil to my friends and family. Thank you Phil, Vivian and Toni.

I truly appreciated the personable approach that Phil and his team established and maintained throughout the process. Being that all communication was over the phone and through e-mail, it is profound that I feel I have come to actually know the team, and found their communications always clear, supportive and respectful. Truly Professional.

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.

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!!

Liz and the team were amazing. Liz always answered my calls, texts, and emails, even on the weekend. She had a positive attitude and was always encouraging. She is the BEST loan officer I have ever dealt with. I had the best experience and everything was explained in detail, with professionalism.

Liz and her team were extremely professional and responsive. We were first-time home buyers and the process is certainly daunting, but their care and expertise helped to get us through it with confidence.

I had a great experience with Rob and his team. The loan process was seamless, and could not have been better. The team was professional, courteous, and very responsive. I would highly recommend the team to anyone. I will also use them in the future.

By far my best home buying experience. All my questions were answered in the quickest way possible, with very little need to follow-up. The one confusion that we had was handled within a few days and fully explained in a clear and understandable manner.

You ever have anything go so good that you were expecting something wrong to happen? Well, nothing wrong happened and our first experience with First Heritage was absolutely stellar. Jim and team kept us updated and were quick to respond to any and all questions. We purchased our home with a VA loan and without an agent. No issues, on time, and right in line with the disclosure statement. I would highly recommend their services to anyone in the market

When my husband and I decided that it was time to buy our first home we were nervous to say the least about the whole process. That was until we were referred to Jim. Jim was awesome at explaining exactly what we needed to do throughout the whole process and made our first time home buying experience a great one. He worked with us every step of the way and was always there to answer any questions we had. He made sure we fully understood the process and guided us confidently into our new home. We are forever grateful to Jim for making this process the smoothest it could possibly go. If anyone asked me who they should go to I would definitely recommend Jim Boone to ANYONE!

Jim was very helpful and knowledgeable about the loan process. He was informative about the different loan options we could choose from and always available to answer any questions day or night. He was able to close our loan on our second home in three weeks! He went above and beyond and we would highly recommend him to any and every one.

Jim is extremely knowledgeable and quick to respond to any and all of our questions, he was able to get us excellent financing and closed our loan 2 weeks earlier than our contract date. Jim was in our corner throughout the entire loan process. Our overall experience with Jim Boone and the team at First Heritage Mortgage was incredible! We highly recommend Jim to all of our friends, Family and anyone looking for a loan Officer who cares and provides excellent customer service, great rates and an extremely smooth process. Thank you Jim, looking forward to working with you on all of our Real Estate Financing needs!

Jim has helped us get our first home and purchase our second home this year with two refis in between. Each time he has been accessible, friendly, and put in plenty of effort (much of it outside of standard business hours) to make sure everything was just right and on time. If there was a hiccup, he stepped in and made the impossible possible, every time. We have worked with other lenders and no one has been nearly as accommodating. I would not hesitate to recommend Jim and the team at First Heritage to anyone purchasing a home. When we move again, were coming back to Jim!

I was nervous about working with a different lender other than my credit union, however; Jim was honest with me, informative, and he allowed me to ask the most unique questions, and he answered them with a great sense of confidence. For that, I want to personally thank you Jim for all of your help in securing our loan for our new home. Your organizational skills and thoroughness surpassed my expectations….your professionalism as well as kindness made all of the difference in our interactions with you. My husband and I put our trust in you and you most definitely came through for us considering our circumstances! Thank you for your patience as well as treating us as people rather than just another home loan customer. You stand above the rest, Mr. Boone! Our hats off to you.

As a retired Police Officer and someone who has purchased several homes, I was a little skeptical to refinance my second home and consolidate all my bills under one umbrella. After speaking with Jim and getting all questions answered, I can honestly tell you this was the smoothest loan process that I have ever been through. I will definitely refer anyone looking for a loan to Jim and First Heritage Mortgage. Thanks for taking good care of us!

This is my second time using FHM, and will continue to use them for ALL real estate transactions I have in the future. I recommend FHM to EVERYONE who mentions an interest in purchasing, refinancing, or even questions that need to be answered by a professional in the industry. I referred a friend to Bruce, who needed guidance regarding a previous loan with a different lender. I know for a fact that he was able to put her mind at ease in mere minutes with her situation, and instantly secured a future customer. After speaking to him on the phone for just a few minutes, she raved about his knowledge. Taking the time, always being available, providing extensive knowledge…these are the attributes of a consummate professional in the industry…and Bruce Rider is that person. Big thanks, again, to Bruce and FHM!!

Second time buying a house. Second lender we’ve worked with. I won’t be looking for a third lender for our next house! 🙂 Y’all rock!

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.

Mr. Bruce Rider and his assistant Brandon and Reagan were wonderful always there for us through the whole process of the loan from the beginning to the settlement date. They are a very awesome team and work together well. We would refer them to others asking for a loan officer, a very positive experience .

I had such a lovely experience. Buying my first house and all the financial info was slightly overwhelming! Mr. Rider broke everything down for me. He went the extra mile in every area and I had an amazing first time buying experience. Mr. Rider is an outstanding human.

This was by far the easiest purchase thanks to the amazing team. Rates were good, process was fast, but the service beat any bank that I have previously dealt with, in orders of magnitude! Bernadette Richard was fantastic. Made the process very easy.

The best experience we ever had with refinancing a mortgage! Jerry Berry and his team moved fast and efficiently and made the whole process such a pain- free experience for us. Will highly recommend to all our friends and family.

Phenomenal team…we were able ratify our contract within 25 hours, secure our loan in most expeditious yet regulatory manner and close within 30 days of a fully ratified offer. I lived in Hawaii and was able to rapidly and securely upload my financial documents and as necessary, speak to a member of Jerry’s team whenever I had a concern, a truly phenomenal virtual process that took place over a span on 5000 miles and two times zones.

A team assumes the personality of their leader and Mr. Jerry Berry is a great leader. Mr. Berry and his team were accessible and displayed exceptional integrity and professionalism. These attributes are what sets Mr. Berry and his team apart from others. I have a lot of experience in dealing with people and Mr. Berry is the best and he knows the mortgage business! Great experience refinancing our house.

Thank you for your help throughout this process. You have been nothing but wonderful during this whole experience and I truly appreciate all of your help and guidance in purchasing my first home! It has been nothing short of wonderful 🙂

My loan officer was Mariel Robbins, and I would easily recommend her to anyone! Mariel was fantastic – knowledgeable, efficient, responsive, and friendly. She responded to each and every one of my questions in a timely manner, and she made the process so simple. In particular, I deeply appreciated her knowledge regarding VHDA loans. If you ever need a loan officer, she’s the best!

Friendly and professional service. Outstanding.