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.