Apply Online! First Heritage Mortgage, LLC. is a "direct" lender with two convenient locations in Fairfax, VA and Bethesda, MD.  We are a full service lender providing home loans in VA, MD, DC, DE, NC, FL, and WV.  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 available 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. **New Refinance Program now available!  (click here to see if you qualify.)