Charlie Aldinger at First Heritage Mortgage

Charlie Aldinger | NMLS ID #513227 First Heritage Mortgage, LLC is an Equal Housing Lender Company NMLS ID #86548 | Richmond Branch NMLS ID #1197073 (www.nmlsconsumeraccess.org)

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. Our History Founded in 1996, First Heritage Mortgage was designed to be the premier source of mortgage financing in the Washington DC area. By working hard to prove ourselves on every loan, we have earned a reputation for our ability to provide innovative mortgage solutions, customized to the unique needs of each borrower. Today, we serve customers throughout the Mid-Atlantic, southern East Coast, and beyond. Our Approach 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, refinancing options, and more. As a direct lender, we control every aspect of the mortgage process from start to finish. Our borrowers’ loans are processed, underwritten, and closed in a local First Heritage Mortgage office. This translates to a speedy and accurate delivery of services, removing much of the stress from the process. Reach out today to learn more - We look forward to the opportunity to work with you! First Heritage Mortgage, LLC is an Equal Housing Lender. Company NMLS ID #86548 Richmond Branch NMLS ID #1197073 (www.nmlsconsumeraccess.org)

If you're considering purchasing a home, it's important that you have the money to cover your down payment and your closing costs. In this post on our blog, we explain what closing costs are and what you should expect to avoid any surprises. https://buff.ly/2PIUeG0

As you begin the home buying process, a critical aspect is finding a real estate agent. You should be prepared to ask them several questions to make sure they are the proper fit. One important question you can ask is which neighborhoods they specialize in. The more you know about a real estate agent, the better they can assist you in finding your dream home. For a full list of questions, visit this article. https://buff.ly/2FxqxOA

Reaching the underwriting stage means you are close to completing your home buying journey. During this phase, your lender will review your application to determine the risk associated with approving you for a loan. To learn exactly what your lender looks for during the underwriting process, read our blog post. https://buff.ly/2Kd8C3V

When you reach your closing day, it may feel like a breath of fresh air. As this is the last stage in the home buying process, be sure to ask your lender what documents or personal items you’ll need to provide at closing. For more on what to expect during the closing stage of the home buying process, visit this article. https://buff.ly/2mx5ibm

Created to help physicians become homeowners, physician loans offer several benefits to those who qualify. With the help of low down payments, medical professionals with minimal work experience can still find a way to achieve homeownership. Curious to see if you're eligible? Visit here to find out more information. https://buff.ly/37oE4GK

Becoming a homebuyer is a life-changing experience. While this can be an exciting time, buying a home may be the most complex purchase of your life. As you prepare to go through the home buying process, it's important you know what to expect. In this article, learn all about the mortgage timeline and understand how each stage in the process works. https://buff.ly/2ZNdVNp

When looking to qualify for a loan, one thing that plays an important role is your debt-to-income (DTI) ratio. Your DTI ratio measures how much money you owe compared to the amount of money you make. To better understand how DTI ratios work, read this article. https://buff.ly/2yD9HPY

Early in the home buying process, an essential form you'll receive is the Loan Estimate. Included in this three-page document are your estimated interest rate, monthly payment, and total closing costs for your potential loan. In this post, learn everything you need to know about the loan estimate stage. https://buff.ly/2MgsUuE

Considering refinancing your home? With the help of our refinancing calculator, you can gain an accurate idea of what your current mortgage will look like at a different interest rate, a shorter term, or another scenario. This estimate can help you decide whether or not you should refinance your home. Try it out for free today! https://buff.ly/351WegN

Your credit plays a major factor in your ability to qualify for a mortgage. This summer, the way your credit score is calculated will be changing. FICO has announced they will start rolling out their new credit score model - FICO 10 - to more accurately assess your financial background. In our latest post, we explain what FICO 10 is, and what you can expect. https://buff.ly/2y4PP8s

Prior to owning a home, one thing you should consider is how you're going to budget as a homeowner. Property taxes, bills, and expenses like homeowners association (HOA) fees may need to be accounted for. In this article, read all about what goes into creating a homeowner's budget. https://buff.ly/2qjOWkB

As you embark on becoming a homeowner, one of the first things you need to do is find a lender. Choosing the right lender is an essential part of the home buying process as the right lender can help make your journey smooth and easy. How do you go about finding the right lender for you? Here a few tips you can use to get you started. https://buff.ly/2DZ9nb5

Spring is in the air and for most, that means it's time for some spring cleaning. Often, though, giving your home a deep clean can seem more like a chore than a fresh start. In the latest post on our blog, we give you 7 spring cleaning tips to make your home feel fresh. https://buff.ly/2Y9oFrQ

At times, the home buying process can be strenuous. One of the most important aspects of the home buying journey is finding the best lender for you. Choosing a lender you can trust is an essential component and it will make your home buying journey that much easier. Here are a few tips you can use when looking for a lender. https://buff.ly/2JPVVOw

Ready to take that leap and become a homeowner? While the home buying process can leave you feeling overwhelmed at times, it can also be one of your biggest accomplishments. To help you better navigate through the process, we've created a guide for first-time homebuyers. Visit this post on our blog to read all about it. https://buff.ly/2k5PGe6

While the coronavirus may bring more complications to the moving process, the help of technology mitigates the need for face-to-face contact. If you plan on moving during this pandemic, here are 4 tips you can use to help you stay safe while doing so. https://buff.ly/2yoSBFc

As people across the globe continue to deal with the coronavirus pandemic, one thing we want to warn you about is scammers. During difficult times criminals tend to prey on those who are in vulnerable situations. It's important that you keep your eyes peeled for scams related to the coronavirus as they may just be attempts to get your personal information. For tips on how to protect yourself from scammers, visit our blog. https://buff.ly/2wz1vPZ

One thing that not only impacts your chances of purchasing a home but also plays a major role in your financial health is your credit. As we continue to go through this COVID-19 pandemic, several businesses and agencies have taken steps to try and help you make sure your credit isn’t impacted. In this post, check and see if you may be able to benefit from the CARES Act and find out how you can protect your credit. https://buff.ly/2yfX5hl

To help give the economy a boost, the Fed passed a historic $2.2 trillion stimulus package. If you're a current homeowner or a prospective homebuyer, you may be wondering how this bill will impact your life over the next few months. To help answer your questions, this blog is dedicated to explaining how this new bill may affect you. https://buff.ly/2y8nWMd

To help keep you up-to-date on COVID-19 as it relates to the mortgage industry, we've created a COVID-19 Resource Guide. From personal finance to market updates, and everything in between, this guide is here to help answer a variety of questions you may have. For more, visit here. https://buff.ly/2ye0IEt

While the home buying process is comprised of several different stages, one that is very important is the underwriting stage. Certified individuals will thoroughly research and assess the risk that is associated with giving applicants a financial loan during this step. To learn all about the underwriting stage visit our blog. https://buff.ly/2Kd8C3V

Even without a global pandemic, moving into a new home can be a stressful time. While this usually involves face-to-face contact, we've compiled a list of ways you can reduce your risk and maintain not only your health but also the health of others. Visit this post on our blog to see tips you can use to have a safe move during the coronavirus outbreak. https://buff.ly/2yoSBFc

We've built a new COVID-19 Resource Guide to help adjust to what now seems like the new standard. This guide is here to help address questions about market updates, your personal finances, ways you can remain productive while working from home, and more. Read all about it today! https://buff.ly/2ye0IEt

Even though social distancing orders are in effect in many areas, the mortgage process can still continue. One of the most important stages of the home buying process is the appraisal stage. By taking the proper precautions, getting an appraisal can still happen safely. Learn how you can move through the appraisal stage during the COVID-19 crisis in this blog post. https://buff.ly/3b10BLc

Recently, the Fed announced a few drastic measures in response to the current economic outlook. How does this impact you? The new emergency policy lends motivations to potential homebuyers to purchase a home, homeowners looking to save on their monthly payment by refinancing, or use the equity they’ve built in their home.

To learn more about this recent announcement and to see if you can benefit from these changes, read our blog. https://buff.ly/34qrRjP

As nations around the world work to overcome the COVID-19 pandemic, criminals are attempting to exploit the enhanced vulnerability of consumers. Here are some of the coronavirus-specific scams to look out for and things you can do to avoid them. https://buff.ly/2wz1vPZ

To help adapt to what now seems like the new norm, we've created a new COVID-19 Resource Guide. This guide is here to help answer the common financial questions related to mortgage, the current economic outlook, your personal finances, and ways you can stay positive while working from home. Learn all about it today. https://buff.ly/2ye0IEt

Working from home has become a popular trend several businesses have adapted to during the COVID-19 pandemic. For many, the chance to work remotely allows them to follow the necessary social distancing guidelines. It can be a challenge to stay productive in your home office, though.

To learn more tips on how you can get things done while working from home, take a look at this post on our blog. https://buff.ly/34xNU82

One of the most important items when it comes to your financial health is your credit. Maintaining healthy credit can be an overwhelming task, let alone during the economic uncertainties caused by the COVID-19 pandemic. Obtaining a copy of your free annual credit report is one way you can help protect your credit. For more ways on how you can protect your credit during this uncertain time, visit our blog. https://buff.ly/2yfX5hl

As the COVID-19 pandemic continues to impact our daily lives, we want to express that our top priority is the wellbeing of our customers, employees, and the communities we serve. While we hope everyone is staying safe, we are doing our best to provide peace of mind about your home and mortgage. Here are some of the steps we are taking to continue operating safely and effectively during this time. https://buff.ly/34uGqms

To combat the economic impact from the coronavirus pandemic, the Fed passed a historic $2 trillion stimulus package. If you're a homeowner or potential homebuyer, you may be wondering how this will affect you. In this post, we cover what the stimulus covers, the new guidelines, and whether you may benefit from it. For more details visit our blog. https://buff.ly/2y8nWMd

While social distancing and shelter-in-place orders are in effect in many areas, with the proper precautions, the mortgage process can continue. A critical aspect of this process is the appraisal stage. To help ensure your appraisal safely takes place, one thing we advise is that appraisers follow all recommended safety and sanitation measures for any on-site inspections. For more tips on how to get a safe appraisal during the COVID-19 crisis, read our blog. https://buff.ly/3b10BLc

A month ago, the Fed announced a few drastic measures they will take to help assist the economy in response to the COVID-19 pandemic. One of the announcements was the first emergency rate cut since the 2008 financial crisis. What does this mean for mortgage rates in the coming months? For more information, please visit our blog. https://buff.ly/34qrRjP

Created to assist those who are always helping others, physician loans were made to help medical field workers achieve homeownership. Curious to see if you qualify? Here's what you need to know. https://buff.ly/37oE4GK

Getting pre-approved for a mortgage is a crucial step in the home buying process. A pre-approval gives you an idea of how much you can borrow from a lender and it also lets them know you are seriously considering buying a home. Learn all about the pre-approval process in this article. https://buff.ly/2UN9r9S

Our Story

Founded in 1996, First Heritage Mortgage was designed to be the premier source of mortgage financing in the Washington D.C. metro area for customers of the builder and realtor community. By working hard to prove ourselves on every loan, First Heritage has gained a reputation for our ability to provide innovative mortgage solutions, customized to the unique needs of each borrower. Whether you are buying your first home, changing residences, or refinancing an existing home, our friendly and experienced team is here to help ensure that all your needs are met.

Fairfax Office | Headquarters 3201 Jermantown Road, Suite 800 Fairfax, VA 22030 Company NMLS ID #86548 Richmond Office 4551 Cox Road, Suite 305 Glen Allen, VA 23060 Branch NMLS ID #1197073

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Location

Telephone

Address


4551 Cox Road Suite 305
Glen Allen, VA
23060

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 18:00
Wednesday 09:00 - 18:00
Thursday 09:00 - 18:00
Friday 09:00 - 18:00
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