The Home Builders of Virginia (HBAV)

First Heritage Mortgage, LLC

Proud to be Your Lender of Choice

Contact Information:

3201 Jermantown Road
Suite 800
Fairfax, VA 22030
Phone 866.833.LOAN

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Service Areas

Our Service Areas Include:

Our Products

Conventional Loan Programs

Conventional loans are not backed or offered by a government entity. The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), are a couple of government-backed entities that can guarantee conventional loans in some instances.

Jumbo Loans

A jumbo loan is used to finance a home when the price exceeds the conforming loan limit, which is $548,250 for most of the U.S. in 2021.

VA Loans

VA loans offer special mortgage terms to qualified veterans, active duty service members, and their spouses. Guaranteed by the U.S. Department of Veterans Affairs (VA), these loans have flexible qualifying criteria and generally do not require a down payment.

FHA Loans

FHA loans are backed by the Federal Housing Administration (FHA), and are designed to help creditworthy low-income and moderate-income families achieve homeownership. FHA loan programs are particularly beneficial to buyers with less available cash for closing or down payment. The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. All FHA loans require an upfront mortgage insurance premium along with a monthly mortgage insurance premium.

203(k) Mortgage Loans

203(k) renovation loans are designed to help borrowers finance home repairs 
plus the purchase or refinance of a primary residence. Backed by the Federal 
Housing Administration (FHA), these loans allow a variety of home 
improvements and feature as little as 3.5% down payment plus low 
closing costs.

USDA Loans

The goal of the USDA loan program is to help our nation’s smaller, rural communities thrive by making land and property more affordable. USDA loans are guaranteed by the U.S. Department of Agriculture (USDA). Sometimes referred to as Rural Development Loans, these government-insured mortgages that allow you to purchase a home with no money down. The property must be in an eligible USDA-defined rural area. USDA Loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan.

Construction to Permanent Loans

A construction loan is a temporary line of credit that covers the cost of building a home or completing a major renovation project. With a construction loan, funds are paid by the lender to a contractor – not the borrower – as construction project milestones are reached. After construction is complete, the loan is either converted to permanent financing or paid in full.

Bridge Loans

Get help buying a new home before your existing property is sold. A bridge 
loan covers the gap between the time you close on your new home and the
 time in which your current home sells.

Extended Rate Lock Options

We take the worry out of rising interest rates while your home is under construction. With First Heritage Mortgage you can secure your rate at today’s prices. Get peace of mind knowing your rate can be protected for up to 350 days, with no rate add-on.

State Bond Programs

Many states offer low cost, low interest mortgage loans and other housing assistance to eligible first time and repeat homebuyers. Ask how our specially-trained team can help you take advantage of these affordable homeownership programs.

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