David Bridges at First Heritage Mortgage

David Bridges at First Heritage Mortgage


Good morning David, in my 37 years of working for DOD as a civilian and having to transfer from one military location to the other, whenever I purchased a house, someone else handled the paper work and I signed on the dotted line. This is the first time I've had to handle this whole endeavor by myself. I was terrified. However, between working with my agent and you and your company this was easy breezy as my grandson Andre Dukes would say. Thanks so much for all the work you do. Also, give my heart felt thanks to Jung. She managed to make me laugh as she held my hand through this whole affair. I will always recommend you and your company to anybody looking to buy a home. Happy Holidays.

David Bridges | NMLS ID #222490 First Heritage Mortgage, LLC is an Equal Housing Lender Company NMLS ID #86548 | Woodbridge Branch NMLS ID #920806 (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 Woodbridge Branch NMLS ID #920806 (www.nmlsconsumeraccess.org)

Operating as usual

When the time comes to secure your mortgage, a couple of steps you may want to complete are pre-qualification and pre-approval. As these terms may seem similar, they are different. So how do the two differ? Find the meaning for both pre-qualification and pre-approval in this article. https://buff.ly/2FSYSLA

Jumbo loans are the perfect solution when shopping for high-end homes. This home financing solution is made to assist you in purchasing a home that exceeds conforming loan limits. What exactly are the limits, and how do you qualify? Read this post to learn everything you need to know about jumbo loans. https://buff.ly/2N4d7O1

Do you know who owns your mortgage? There are several reasons you may want to know who owns, backs, or services your mortgage — one of which is if you find yourself behind on your mortgage payments. Read this post as it outlines ways you can get the answers you're searching for. https://buff.ly/33Q2vvC #MoreThanABank

With several different types of mortgages out there, it can be difficult to find the best one that fits your needs! To help you make your decision, you should review your budget and overall lifestyle. For many, a fixed-rate mortgage ensures that you have consistent monthly payments with no surprises. Predictability and stability are just a couple of benefits fixed-rate mortgages have to offer; visit this blog post to learn all about them. https://buff.ly/2Wun0tr #MoreThanABank

[DOWNLOAD] Have you seen our free Construction & Renovation Finance Guide? Our 20-page ebook covers everything you need to know about purchasing or refinancing a new custom home, or a home that you'd like to renovate. From choosing the right loan to selecting the right contractor, we've got you covered in this free download. http://bit.ly/ConstructionRenovationGuide #MoreThanABank

The home buying process can be a rollercoaster of emotions. When you're ready to purchase a home, having a general understanding of how the mortgage process works can make the process smooth. Avoid wondering what's next or what documents you'll need at each milestone by reading this guide that outlines everything you need to know about the mortgage process. https://buff.ly/2FQGhSp

Searching for the home of your dreams can be a challenging task to do alone. With a real estate agent's help, you can have a smooth experience finding the perfect home. When trying to find a real estate agent to assist you on your journey, you want to find someone who is familiar with the neighborhood, who is familiar with local issues, traffic concerns, and much, much more. Read this post to learn how you can find the right real estate agent for you. https://buff.ly/2QSgbl5

If you're thinking about purchasing a home in South Carolina, the SC Housing Homeownership Program (SC Housing) helps individuals and families with low-to-moderate income purchase their dream home. Available to both first-time and repeat homebuyers, those who qualify can take advantage of benefits like down payment assistance and competitive fixed interest rate mortgage loans. Read this post to learn all about SC Housing and what it takes to qualify. https://buff.ly/3bWvReD #MoreThanABank

Get the interest rate you deserve by keeping score on your credit. If you're thinking about becoming a homeowner, your credit history plays a key role in whether or not you will qualify for the mortgage and interest rate you may want. To ensure you get the loan and interest rate you have your heart set on, you should check your free annual credit report to stay on top of your finances. For more insights on the importance of your credit, visit this post on our blog. https://buff.ly/2U1LsDS #MoreThanABank

Buying a home takes preparation. Reviewing and refining your personal budget can help you prepare to get the home of your dreams without breaking the bank. One popular way is examining all of your monthly expenses to find areas where you may be able to cut back. To learn nine other ways you can manage your personal finances before buying a home, visit this post. https://buff.ly/2TWTudX

For many homeowners, the time will come where you may want to upgrade your current amenities. The good news is if you're thinking about remodeling your home, doing so can add value to it as well. Whether you want to paint or tackle some roof restorations, visit this post on our blog and find five popular remodeling projects you can do. https://buff.ly/2LkEowk #MoreThanABank

Reaching your closing day is like the icing on the cake. Before closing, there are a few last-minute items you'll need to take care of. You'll want to make sure you're prepared for the final steps. Read this post to learn six things you'll need to do before closing on your new home. https://buff.ly/2l3vRkv

Have peace of mind knowing that when shopping for a home in the District, there are programs that make becoming a homeowner a reality. With the help of the DC Open Doors program, you can take advantage of benefits like flexible credit qualifying criteria and down payment assistance. You can utilize this program whether you're a first-time or move-up homebuyer. Visit this page to learn more information. https://buff.ly/2H78Pr8

Interest rates have been all the talk lately. With rates at historic lows, understanding how they impact your mortgage is important in becoming a homeowner. Whether you're deciding to start your journey as a homebuyer or you're thinking about refinancing, this post outlines everything you need to know about interest rates. Visit this post to learn more. https://buff.ly/2KTM0WZ

Every step of the mortgage process is important. Underwriting, however, seems to have a shroud of mystery around it. This stage of the mortgage process is where your lender will assess how much of a risk is involved with approving you for a loan. Don't worry - we've outlined everything you need to know about mortgage underwriting in this post on our blog. https://buff.ly/2Kd8C3V #MoreThanABank

For medical professionals looking to buy or refinance a home, our Physician Home Loan Program is designed to eliminate many of the mortgage financing roadblocks faced by physicians and residents. Specifically tailored for existing Medical Doctors (MD and DO), Dentists, Dental Surgeons, and Veterinarians, benefits like no monthly mortgage insurance, the ability to use your future income to qualify, and flexible down payment options make the home buying process a breeze. For more information, visit our website. https://buff.ly/37oE4GK #MoreThanABank

As a real estate agent, before you can guide your homebuyer it helps to get to know them first. The more you know about your client, the better you can be at finding the perfect home for them and teaching them about the home buying process. This post highlights several tips you can use to help your client understand the journey and find the home of their dreams. https://buff.ly/2E2HiWI

It's all about location. This is a common mantra you will hear when you begin to search for a home. One place several people choose to reside in is Pennsylvania. Not only is the state home to historical landmarks and great food, there are also programs that help make homeownership affordable. The Pennsylvania Housing Finance Agency (PHFA) offers benefits like down payment assistance and competitive interest rates. Learn what it takes to qualify and view more benefits by reading this post on our blog. https://buff.ly/2YUTtNo #MoreThanABank

After completing your application, your lender is required to present you with a 3-page document called a Loan Estimate. Your Loan Estimate provides you with information regarding your potential mortgage, including the loan product type, the loan amount, and the loan terms. To learn everything you need to know about Loan Estimates, visit this post. https://buff.ly/2Cm1JJ3

Keep unwanted heat out of your home! We know air conditioning (AC) can be costly but luckily there are alternative ways you can keep your home feeling nice and refreshing. If you have a grill, using it instead of your stove/oven can help keep your home cooler in the summer. Read this post on our blog and find four additional ways you can keep the heat out of your home. https://buff.ly/3hKDfg3 #MoreThanABank

Now that you've bought your home, you can finally take some time to put down the welcome mats and get settled in. As a new homeowner, there are several responsibilities and new expenses you'll need to be aware of. Knowing how to budget starts with understanding the actual costs of owning a home. Learn how to budget as a new homeowner by reading this article. https://buff.ly/2DSRSzu

It's not every day that you apply for a home loan. To make your experience as smooth as possible, preparation is key. Before you apply for a mortgage, you should confirm that your credit report is error-free and have a general idea of the type of mortgage you want. Read this post to learn all about how to apply for a mortgage. https://buff.ly/2x70O0G

A common assumption is that all lenders are the same. However, the right lender can make or break your home buying experience. When you begin your search, your goal should be to find a lender who will help save you time, stress, and money. Visit this post and find a few tips you can use to help you choose a lender. https://buff.ly/2DZ9nb5

The road to homeownership is a journey. Once you've found your home, completed all the necessary inspections, and checked every item off your to-do list, there is one last milestone — closing day. Before you get the keys to your new house, you'll need to sign on the dotted line at the closing table. Here's what you can expect on closing day. https://buff.ly/3ifH25g

Think homeownership is out of your reach? Think again. Formerly known as VHDA, the Virginia Housing program offers benefits to eligible individuals looking to purchase a home. Learn all about the benefits Virginia Housing loans have to offer, including down payment and closing cost assistance, by reading this post on our blog. https://buff.ly/2YiYlgb #MoreThanABank

A key piece of information your lender will look at as you look to get approved for a mortgage is your debt-to-income (DTI) ratio. DTI is calculated by dividing your total monthly debt payment by your monthly gross income. Your lender uses this information to gauge your ability to repay your debts. Here's all you need to know about your DTI ratio and why it matters. https://buff.ly/2Ju1PVv

Our top priority is the health and safety of our clients, employees, and communities. If you're in the market to buy or sell a home, there are still ways you can complete one of the most important steps of the process — a home appraisal. A home appraisal is used to assess the value of the property. Visit this post on our blog to see how you can safely get a home appraisal. https://buff.ly/3b10BLc #MoreThanABank

Being prepared and staying organized can help make your home buying process smooth and easy. This checklist outlines which documents are needed to become a homeowner. Download our free mortgage application checklist today! https://buff.ly/2NJSKIV #MoreThanABank

As a first-time homebuyer, being prepared can help alleviate the stress that comes with the home buying process. How much down payment do you need? Do you need to get pre-approved? In this guide, we've outlined everything you need to know as a first-time homebuyer. Whether you're deciding to buy or are about to sit down at the closing table, we'll walk you through the entire journey. https://buff.ly/2k5PGe6 #MoreThanABank

A home is one of the largest investments you'll make, and you want to ensure you know its exact condition. A home inspection helps identify potential problems with the property and what it may cost you in future maintenance and repair costs. It's an important step in the home buying process. This post on our blog covers what to expect from a home inspection and what your home inspector will look for. https://buff.ly/2EUuAXs #MoreThanABank

Every state has its unique way of making homeownership achievable. With the help of the NC Home Advantage program, backed by the North Carolina Housing Finance Agency (NCHFA), purchasing a home in North Carolina has never been easier. Whether you're a first-time or repeat homebuyer, you can benefit from stable fixed-rate mortgages and down payment assistance. For more information, read this post on our blog. https://buff.ly/2Q4bllW #MoreThanABank

The home buying process is an experience like no other, and there's no feeling like becoming a homeowner. If you're a first-time homebuyer in the Peach State, the Georgia Dream program offers benefits like low-interest rates and down payment assistance for those who qualify. Learn why so many choose the Peach State for their first home on our blog. https://buff.ly/2UnMavj #MoreThanABank

Balance is the key to a happy life. The ancient Chinese tradition of Feng Shui shares the idea that your mental and physical wellbeing correlates with your daily health. A home that has positive Feng Shui is with a home full of positive Chi (energy). So how can you find the perfect balance in your home? This post explains eight practical renovation ideas for the best Feng Shui. https://buff.ly/2GvtzIM #MoreThanABank

Wake up, roll out of bed, and straight into the office. While working from home offers comfort and convenience, you may find that at times your productivity levels may begin to sink. The way you design your workspace can inspire you to do your best work. Setting up shop somewhere near a window can help as natural light can help you maintain a positive mood and increase your productivity. Read this post to learn five home office design tips. https://buff.ly/32ZDuxB #MoreThanABank

VA Loans help protect those who protect us by making it simple for qualified active-duty military personal and veterans to become homeowners. With incentives like no down payment and flexible qualifying criteria, it's easy to see why millions of veterans and service members across the U.S. benefit from this home loan. In this post, we explain the additional benefits they have to offer and why VA loans are one of the most popular mortgage options. https://buff.ly/3dIbH9x #MoreThanABank

David Bridges at First Heritage Mortgage

I am able to provide a variety of mortgage products at competitive rates and every task is accomplished in-house so it is done in the quickest and most efficient way. This complete line of products and services enables my clients to achieve their goals of purchasing a home with the lowest payment or refinancing to build equity more quickly on their present house. Our pre-approval program can help you obtain the best price on your next home by putting you in position of strength to act quickly when negotiating with a seller.

Fairfax Office | Headquarters 3201 Jermantown Road, Suite 800 Fairfax, VA 22030 Company NMLS ID #86548 Woodbridge Office 12701 Marblestone Drive, Suite 110 Woodbridge, VA 22192 Company NMLS ID #920806

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12701 Marblestone Drive Suite 110
Woodbridge, VA

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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