Mortgage Brokers
· Charlottesville, VA
Published in partnership with First Heritage Mortgage, LLC - Charlottesville Pantops
Book online anytime
First Heritage Mortgage is a Charlottesville-based lender specializing in personalized home financing solutions, including conventional, FHA, VA, and USDA loans, as well as construction, renovation, and refinancing programs. Their experienced team offers flexible mortgage options tailored to individual financial situations, with particular expertise in first-time homebuyer programs and down payment assistance grants available to Virginia residents.
Best for: First-time homebuyers, VA loan eligible buyers, borrowers with construction or renovation projects, refinancers seeking better rates
Service area: Charlottesville, Virginia and surrounding areas
Virginia-Specific Homebuyer Programs: Offers first-time buyer programs with credit scores as low as 620, $0 down payment options, and up to 2% down payment assistance grants that don't require repayment.
Diverse Loan Specialization: Beyond standard mortgages, they offer construction & renovation loans, specialty programs like bridge loans and portfolio loans, and expertise in government programs (FHA, VA, USDA).
Award-Winning Local Team: Four senior and experienced loan officers based in Charlottesville with deep knowledge of the local market and personalized service approach.
“If you’re considering First Heritage Mortgage, let me introduce you to Evan, the epitome of exceptional service, turning an often daunting process into a seamless experience ... and his response times could put a New York minute to shame. The professionalism of the processing team deserves its own standing ovation, ensuring every step is executed with precision and care. In a world where good help is hard to find, Evan and his team are a masterclass in excellence.”
— Devon Callan, Google Review
“Evan Hansen was outstanding from start to finish in handling the financing of my purchase. He explained various options to me, offered great advice based on his years of experience, and was an absolute pleasure to work with!”
— Jason Kirby, Google Review
“Seamless and stress free experience. Working with Troy Lane was the best home building/ refinance process we have endured in our real estate journeys. From being ahead of the process to help us make wise financial moves to changing the term a dozen times while we constantly flip flopped on the decision. Troy never seemed annoyed or showed any sense of it. He just simply and quickly adjusted the structure to customize our needs. A big thank you for being available at all times and treating us like royalty, look forward to working with you again soon. The Paynes”
— Tim Payne, Google Review
“Evan Hansen and his team went above and beyond to secure the best home loan for our family. Evan was incredibly knowledgeable and patient. Every team member was so kind and very easy to communicate with. I would definitely refer Evan Hansen when looking for a loan agent.”
— Shannon Mills, Google Review
“Dealing with Troy Lane at First Heritage was great! He listened to our situation and provided us with several options. He also guided us on a few decisions along the way. He also kept us informed as the application process proceeded. In the end, we ended up with a great rate and are happy with the loan that we ended up with. Thanks!!”
— David Breininger, Google Review
Book online: Book Online Now →
Phone: (434) 227-5100
Address: 404 People Pl STE 303, Charlottesville, VA 22911 (Get directions)
Website: fhmtg.com/location/charlottesville-home-mortgage-lender/