First Heritage Mortgage, LLC
Mortgage Brokers
· Charlottesville, VA
Published in partnership with First Heritage Mortgage, LLC - Charlottesville Downtown
Book online anytime
First Heritage Mortgage's Charlottesville Downtown branch specializes in personalized mortgage solutions including conventional, FHA, VA, and USDA loans, as well as construction, renovation, and refinancing programs. Led by experienced loan officers including Vice President Whit Douglas, they focus on understanding each borrower's unique situation and offering flexible options ranging from 10-30 year terms. Their commitment to transparent service and diverse product offerings—including specialty programs like down payment assistance grants and second mortgages—sets them apart in the local market.
Best for: First-time homebuyers, VA loan eligible borrowers, buyers needing down payment assistance, those refinancing or consolidating debt, custom home builders and renovation projects
Service area: Charlottesville, Virginia and surrounding areas
Virginia-Specific Programs: Offers state-exclusive programs including down payment assistance grants (up to 2% of purchase price with no repayment required), closing cost assistance, and second mortgage options designed for Virginia homebuyers.
Specialty Loan Expertise: Beyond standard mortgages, they provide construction/renovation financing, bridge loans, portfolio programs, and equity access solutions for borrowers with complex financial situations.
Flexible Credit & Low Down Payment Options: First-time buyer programs accept credit scores as low as 620 with $0 down payment options and liberal credit qualifying criteria, making homeownership accessible to a broader range of buyers.
“First Heritage Mortgage helped make my home-buying experience seamless! Jaime L specifically was an incredible resource for me, as this was my first time purchasing a home. I also had a unique circumstance, needing a home very quickly. Jaime could answer all of my questions and never made me feel ashamed for asking for clarity or additional information. She was forthcoming, truthful, and offered her advice. I would 100% recommend Jaime and First Heritage Mortgage for your homeownership journey!”
— Polly Carr, Google Review
“We worked with Ben Aliff at First Heritage Mortgage to finance a home we recently purchased. Ben worked hard to offer us a competitive interest rate. He guided us through the entire process of securing a loan. He was kind, knowledgeable, professional, and very easy to work with. He was available to answer questions and set expectations. We highly recommend Ben and First Heritage to anyone who is looking for home financing or refinancing at a competitive rate and for someone who stands by you through the process.”
— Robert Steed, Google Review
“I worked with Ben at First Heritage Mortgage when I moved from Harrisonburg to Crozet, VA. Cannot say enough how wonderful it was to work with him. He answered all my questions thoroughly and patiently, and he was consistent in checking in to make sure I was on track with the loan process. Ben also gave sound advice and recommendations when I asked about different loan options before settling in on the final one. Throughout the process, he was an advocate and excellent advisor as I purchased my new home!”
— Avis Foster, Google Review
“It has been decades since I bought a home and the technology in the process was difficult for me to navigate. Ben was patient and responsive guiding me through the process. I appreciate the personal attention and follow up by Ben. He made me feel valued and important every step of the process. Thank you!”
— Kathleen Humiston, Google Review
“We had such a positive experience working with Jaime Lougelli; the loan process would have been overwhelming and confusing but for her amazing, down-to-earth care, concern and help. She went above and beyond, including many late night and weekend communications. She is a humble rock star :)”
— kara lawrence, Google Review
Book online: Book Online Now →
Phone: (434) 227-5101
Address: 554 E Water St, Charlottesville, VA 22902 (Get directions)
Website: fhmtg.com/charlottesville-downtown/