You’re not just making an investment in your future. You’re changing your life.

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At First Heritage Mortgage, we understand that your home represents peace of mind for your family, a sense of community belonging, and in many cases, your most significant financial investment. Work with our team of lending experts for greater simplicity, honesty, and fairness throughout the mortgage process.

A Direct Lender with Expansive Offerings

We go beyond traditional conventional mortgage programs to offer FHA and VA insured mortgages, financing for new construction and second homes, first-time homebuyer assistance programs, and more!

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Tools and Resources to Help You Get Started

Thinking about buying or refinancing a home? Start here for answers to common questions, helpful tips, and online calculators to help you navigate the mortgage process.

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A Sampling of Our Awards & Honors


Take It From Our Customers


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.

- Ola A.

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.

- Mohammed R.

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!

- Daryl & Jhanel H.

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.

- Deb & Chris I.

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.

- Luisa R.

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!

- Lamont B.

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!!

- John M.

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!

- Thomas W.

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.

- Robert H.

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 .

- William B.

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.

- Brittani H.

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.

- Scott T.

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.

- Donald N.

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.

- Bernard W.

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.

- Harvey R.

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.

- Cynthia and Frank

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.

- Paul & Erin

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

- Tochi

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.

- Pedro and Paola

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.

- Mark and Michelle

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