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)
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 promote 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
As a homebuyer, it's essential to have an established credit history when you go to purchase a home. It will be a major factor in your ability to qualify. What if you haven't established your credit? Here's how long it takes to build your credit. https://buff.ly/2zG9gB5
I, along with The First Heritage team, had an amazing time at this weekend’s 2019 Home Roads – RVA cycling ride.
The event featured Ben King and his wife Jenna as the hosts, and was presented by Qhubeka Charity. Qhubeka raises money to provide bicycles for underprivileged children and adults in South Africa, improving their access to schools, clinics, and jobs. It was great to meet Ben and Jenna. Ben rides for Team Dimension Data for Qhubeka, who is based out of South Africa and is one of the premier cyclists in the world.
It was such a great event for the RVA community and impacts those in need in Africa. What a great cause.
DIY projects are a great way to add a little variety and make your house feel more like home. Often, a weekend project can be a fantastic return on investment as well. From simple fixes to upgrading your kitchen, here are 5 DIY projects that add value. https://buff.ly/2RYrFAc
If you are interested in a high-end property, jumbo financing may be your best option. This solution is designed for loans that exceed the conforming loan limits in your area. Here's how you qualify, and what you need to know. https://buff.ly/2N0tZWL
A home inspection is a key part in the home buying process and can help give you a more accurate picture of the property’s condition. In this post, we discuss how a home inspection works and why they're so vital to the home buying process. https://buff.ly/2EUuAXs
As you begin your search for a new home, your lender will help you find the right option given your financial background. For many, a conventional loan - a mortgage that is not backed by the government - is a popular choice. What exactly is the difference, and is it right for you? https://buff.ly/2N1tBK7
For first-time and move-up homebuyers in North Carolina, the NC Home Advantage Mortgage can be a fantastic choice with benefits like its down payment assistance and mortgage credit certificate tax credit. In this post, we discuss who may qualify for the program and whether it's the right choice for you. https://buff.ly/2Q4bllW
FHA loans can be a fantastic choice for homebuyers. Since they are backed by the Federal Housing Administration, lenders can offer more flexible qualifying criteria. Though they have great benefits like low down payment options, it may not be right for everybody. Here's what you should know. https://buff.ly/2VCFmfa
How do you make your new house feel like home? In our latest post, we partnered with Todd Martz from Home On Cameron to show how you can make your new home feel timeless. Todd covers how you can use patterns, colors, accent pieces and more to give your space a timeless feel. https://buff.ly/2BlDI4Y
Whether it's a kitchen or a new roof, many homeowners have a project they've been thinking about. Fortunately, there's a financing solution made just for your renovation. Here are the various ways you can finance your home renovation. https://buff.ly/2MhMTJM
As you work your way towards your new home, saving for your down payment becomes a major consideration. Your lender will help you determine how much you need to put down, but it's important to know how you're going to save. Here are some tips on how to save for your down payment. https://buff.ly/2G2wenj
[DOWNLOAD] When it's time to start the mortgage process, you'll want to be sure that you have all the necessary documents ready. Fortunately, we've prepared a checklist to make sure you're ready from the start. Here is your mortgage application checklist. https://buff.ly/2v9TKM6
Underwriting is an important step in the mortgage process. Your background and your documents will be reviewed for thoroughness, completeness, and accuracy. Often, it can be overwhelming. Here's what to expect as you move through the process. https://buff.ly/2O0pnUQ
For loans that exceed the conforming loan limits in your area, a jumbo loan can be a fantastic solution. These options are typically available with either a fixed interest rate or an adjustable rate, and come with a variety of terms. Here's everything you need to know about jumbo loans. https://buff.ly/2pao0Xi
As you search for your new home, focusing on getting the best rate can take away from what's most important. With our Lock & Shop program, eliminate the worry by locking in your rate for up to 240 days and focusing on finding your dream home. For more information, please visit https://buff.ly/2LgjmNn
USDA loans can be a great financing solution for buyers looking in rural areas. They offer fantastic benefits like zero down payment and 100% financing. How do you know if you qualify for a USDA loan? Here's what you need to know. https://buff.ly/2HDXIRv
As you start your journey towards homeownership, you will start to learn about your financing options. You may become familiar with the term "conventional mortgage." What exactly is a conventional mortgage, and how is it different? Here's what you need to know. https://buff.ly/2SAi6In
A fixed-rate mortgage can be a popular choice for homebuyers for several reasons. Many enjoy the predictability that comes with it. However, depending on your financial background, that doesn't always make it the best choice. Is it right for you? https://buff.ly/2Igrfpa
As you work your way through the home buying journey, two very important terms you'll hear are pre-approval and pre-qualification. However, the meaning of these terms can vary depending on the lender you're working with. So what is the difference between the two? Here's what you should know. https://buff.ly/2LIplgT
Finding out your condo is non-warrantable can be frustrating to hear at first. Fortunately there are a variety of financing options available to help you. In this post, we discuss what a non-warrantable condo is and what steps you can take if your dream condo is non-warrantable. https://buff.ly/2S38QvM
A home inspection can help assess the value of your property and can be an important step in the home buying process. They are a worthwhile investment when you want to get a more accurate picture of the property’s condition. In this post, we discuss how a home inspection works. https://buff.ly/2EUuAXs
The Fed cut rates for the second time this year during today's Federal Open Market Committee (FOMC) meeting, marking a quarter-percentage point drop. Homeowners with adjustable-rate mortgages, those looking to refinance, homebuyers with students loans, and just about anybody keeping score on their credit may be impacted by the announcement. Here's what today's news means for you, your credit, and your mortgage. https://buff.ly/2V3WUgo
For eligible active-duty military personnel and veterans, a VA loan is the perfect solution due to its combination of low rates, aggressive underwriting, and secondary benefits. Is this right for you? Here's the complete guide to VA home loans. https://buff.ly/2Lveys1
As you work your way through the home buying process, you'll receive documents outlining what to expect. One of the forms you'll receive three days after applying for your mortgage is the Loan Estimate. This tells you important details about your mortgage loan. Here's what you need to know. https://buff.ly/2JcnBvN
An FHA loan is a mortgage insured by the Federal Housing Administration (FHA) designed for low-to-moderate income borrowers. FHA loans typically require lower minimum down payments and credit scores for those that qualify. Here's what you need to know. https://buff.ly/2Lttm93
When you start the home buying process, you may qualify for a number of loan options. Two of the more popular choices you'll come across will be an adjustable rate mortgage (ARM) and a fixed-rate mortgage. What is the difference, and how do you know which is right for you? https://buff.ly/2B7DptU
It's no secret that credit is a major factor when it comes to buying a home. For many first-time homebuyers, the process can be overwhelming at times. If you're focused on purchasing a home and don't know where to start when it comes to your financial background, try these 5 C's of credit. https://buff.ly/2XWzryg
As you work your way through the home buying process, you may have focused on saving for your down payment. What some homebuyers forget about, however, is the closing costs. These are fees paid to cover the costs required to finalize your mortgage. In our latest post, we cover everything you need to know about closing costs. https://buff.ly/2zMKY9h
Current forecasts show Hurricane Dorian setting its sights on the coast of Georgia and moving towards the Carolinas, before hitting Virginia Friday morning. As a homeowner that may be impacted by the storm, it's important to prepare. In this post, we cover how to prep your home for a hurricane, and above all, how to stay safe. https://buff.ly/31CUgjR
As part of the home buying process, one of the documents you receive is the Loan Estimate. This is a three-page form that you receive after applying for a mortgage. So what information is included, and why is it important? Here's what you need to know. https://buff.ly/2JcnBvN
Some homebuyers don't fit into the standard qualifying requirements on most home loans. This may be due to credit history, income, or other factors. Fortunately, a non-qualified mortgage is the perfect solution. In our latest post, we highlight everything you need to know, and whether this is the right solution for you. https://buff.ly/329mEdD
As you start your journey towards your new home, it's important to find people you can trust throughout the process. Outside of your own research, you may rely on them to provide guidance. In this post, Senior Loan Officer Brad McGehee explains why it's important to speak with your lender at the very beginning to ensure a smooth home buying process. https://buff.ly/2HwfZT5
The recent drop in mortgage rates has given many homeowners the opportunity to refinance their mortgage. For many, it may be a great time to explore your options with your lender. It's important to know how it all works, and what you can expect. Here's how refinancing your mortgage works. https://buff.ly/2BhcaNv
Great news for homebuyers! The Virginia Housing Development Authority (VHDA) has announced higher income and sales price/loan limits, giving more first-time homebuyers the opportunity to qualify for a VHDA loan. For additional information, please see our latest blog post. https://buff.ly/2ZdYtJm
Graduating college is an important milestone in any young adults life, and with that transition comes a new respect for personal finance. Every financial decision you make early on won't have a lasting impact, but it's important to know what will. Here is some financial advice for new college graduates. https://buff.ly/2k1s9HC
As you move towards homeownership, many neighborhoods have a homeowners association (HOA) to help maintain a clean neighborhood. Often, HOAs come with several perks for the homeowner, but it's important to understand exactly what is included. Here are 9 things to know about homeowners associations. https://buff.ly/2MJYNKk
As you embark on the home buying process, it helps to understand how your mortgage works. With all the talk about interest rates, PMI, taxes, and more, putting it all together may seem intimidating. Fortunately, it's easier than you think. Here's what you need to know about the mortgage payment structure. https://buff.ly/2K23NI2
Historically, late August into September is when tropical storms and hurricanes are most active. As a homeowner, if these storms impact your area, it's important that your property is ready to handle them. In our latest post, we discuss steps you can take to prep your home for a hurricane. https://buff.ly/31CUgjR
Finding out your condo is non-warrantable can be frustrating. Fortunately, there are a variety of financing options available. In this post, we discuss what a non-warrantable condo is and what steps you can take to get into your dream condo. https://buff.ly/2S38QvM
Please help me in congratulating Aaron Simmons! For more information on the announcement, please see our latest post at https://buff.ly/2OMmvuY
As a homebuyer, saving for a down payment may become one of the most important aspects of the process. Where do you start? How much should you save? If you're wondering how to begin saving, here are 6 tips to save for a house. https://buff.ly/2YTNzbq
For eligible active-duty military personnel and veterans, a VA loan can be a fantastic choice due to its many benefits. Backed by the Department of Veterans Affairs, they offer a combination of low rates, aggressive underwriting, and secondary benefits to those that qualify. Here's everything you need to know. https://buff.ly/2R6h72k
In September of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. Recently, through a settlement with the Federal Trade Commission and the Consumer Financial Protection Bureau, it was announced that up to $425 million will be set aside to help people affected by the data breach.
During the home buying process, your credit becomes a crucial element in your ability to qualify. It's important to monitor your credit to be sure you haven't been affected by a data breach. Here's what you're entitled to from the settlement. https://buff.ly/2LB9pOL
The Virginia Housing Development Authority (VHDA) was created with an aim at helping low and moderate-income Virginians attain quality, affordable housing. With excellent benefits, the only question as a homebuyer is do I qualify? In our latest post, we explain exactly who qualifies for a VHDA loan. https://buff.ly/2YiYlgb
Your credit might be the most influential factor when it comes time to purchase your new home. Having excellent credit can go a long way in saving you money. If you're planning to apply for a mortgage, avoid these 3 credit mistakes. https://buff.ly/2E7eQgb
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We are a full-service mortgage lender with over 20 years of delivering outstanding customer service to our clients and community.
Experienced mortgage consultant with over 14 years in the industry. I would love the opportunity to assist you with your mortgage needs.
I'm C Frank Acevedo, NMLS: 305851, Senior Mortgage Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple.
C&F Mortgage Corp. NMLS#219118
Buying a house is an exciting time, and it is my goal to be a part of it by helping you find the best mortgage product possible to satisfy your needs.
Buying a home or refinancing? Give us a call at 804.363.5279.
Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender offering diverse mortgage products designed to compliment any home financing needs. Our continued success is a direct result of our outstanding customer service, from our clients t
Licensing & Additional Disclaimers: Eaglehm.com/page/licensing