Thank you for your interest in mortgage financing with First Heritage Mortgage, LLC. First Heritage Mortgage is a ‘direct’ lender with two convenient locations in Fairfax, Virginia and Bethesda, MD. We are a full service lender providing home loans in Virginia, Maryland, the District of Columbia, Delaware, North Carolina, South Carolina, Georgia, Florida, West Virginia and Colorado. As a direct lender we control every aspect of the mortgage process from start to finish. We are not a mortgage broker; our loans are originated, processed, underwritten and closed in both of our local offices! Most importantly, every borrower has unique needs and fortunately we offer virtually every loan program imaginable with the most competitive rates you will find. Whether you are buying your first home, just changing residences or refinancing an existing home, our professional and experienced staff is here to assist you with every step of the mortgage process.

First Heritage offers a complete array of mortgage products including Fannie Mae, Freddie Mac, Conventional Jumbo, FHA, VA, VHDA, & Second Trust/Equity line loans. Most importantly, every borrower has unique needs and fortunately we offer virtually every loan program imaginable with the most competitive rates you will find. Fixed rates (30 & 15 year terms), Adjustable Rate (ARMs), the ever-popular Interest-Only loans (both fixed and ARMs), Option ARMs, Temporary Buydowns and loans “outside the box” (i.e., stated income, no ratio, no documentation, credit impaired, 100% financing (up to ONE MILLION dollars with no PMI), 103% financing (to include some of your closing costs), 95% investor loans w/o PMI, non-permanent resident alien, 103% Bridge loans, etc. are all available. At present, our most popular niche loan is our Stated Income, Investor loan to 90% financing. We also have a new in-house, Alternative Lending (sub-prime) division which provides our credit impaired borrowers with a comprehensive line of mortgage products including 100% financing.

Furthermore, if you are purchasing a new home that will not be completed for some time, First Heritage Mortgage offers extended locks on some of our products that will secure your interest rate lock for up to 410 days AND often allow you to float down to a better rate if interest rates have improved prior to the completion of your home. Additionally, if you are buying land and building a custom home, Construction/Perm lending is one of our specialties at First Heritage Mortgage. We offer a one-time closing on our Construction/Perm program which is second to none!

Lastly, First Heritage Mortgage is a George Mason Mortgage affiliated company! In 2003, 2004 & 2005, George Mason and its affiliated companies closed in excess of $4 billion in mortgage loans annually making us, once again, the largest lending organization in the Washington-Metropolitan area.

Contact one of our experienced loan officers to have all your mortgage lending questions answered. At FIRST HERITAGE MORTGAGE we stand behind our commitments to our borrowers; exemplary service, unlimited loan products, competitive pricing and an ON-TIME closing!