Ana Arana at First Heritage Mortgage

Ana Arana | NMLS ID #204145 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)

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In the spirit of the holidays, perhaps your wish-on-a-star can come true too! If you're looking to buy a home in South Carolina, the SC Housing Homeownership Program provides benefits like competitive fixed interest rates and down payment assistance to those who qualify. To learn more about how South Carolina makes buying a home easy, visit this post on our blog. https://buff.ly/38IDq8j

How do I figure out a monthly mortgage amount I can realistically afford? What about the down payment? Luckily, you’re not in this alone. There are simple solutions to help steer you in the right direction when it comes to budgeting for your new home. Take a look at this article on setting a budget to buy your first home. https://buff.ly/3nLuu8J

You're a visionary. You see potential. Maybe you see the possibilities in your current home, or you've found one that can be transformed into the oasis only you can bring to life. For both of those scenarios and more, you'll want to look at an FHA 203(k) construction and renovation loan. There are multiple 203(k) loan options, ranging from major renovations to remodels and repairs. See all the details and connect with an FHM Loan Officer who can help you get started today. https://buff.ly/2Jehrxq

As your closing day approaches, have you taken time to review the types of documents you'll be signing in that big stack? It can be helpful to briefly review the mortgage and real estate documents that will be part of your closing process. Check out these 9 most common ones. https://buff.ly/37Om9f3

While you’ve been busy making family’s and friends’ holiday wishes come true, there’s a program that could make your dream of homeownership in Washington, DC come true. The DC Open Doors program, offered by the DC Housing Finance Agency - DCHFA - helps first-time and move-up homebuyers overcome obstacles with down payments. See if the program could be a good fit for you here. https://buff.ly/2KRC8zC

After you've finished your mortgage application, the next document you'll be looking at is your loan estimate. It will contain a lot of information, giving you a high-level overview of your proposed mortgage, including the terms, projected payments, and cash to close. Here's an easy-to-follow breakdown of what to expect in a loan estimate and what it all means. https://buff.ly/3hczwIF

There are so many things you're already considering, preparing, and maybe even worrying about as you plan to buy your own home. Likely, one of those is how to manage your personal finances to make the mortgage process as seamless as possible. We tackle that, and much more, in our guide "Navigating the Homebuying Journey." https://buff.ly/3azVaph

Did you think applying for a mortgage was hard? Maybe the last time you did it you had to fill out paper forms at the bank or complicated website forms that required a computer. Gone are those days! We make it as easy as downloading an app... literally. You can apply through our LoanNow app and get back to that last-minute holiday shopping we all know you'd rather be doing. https://buff.ly/3hcxJ6D

Whether you're buying a home for the first time or you've been through the mortgage process before, it's a big deal! With a variety of lenders to choose from, it's more important than ever to know how to choose the best lender for you. This post outlines some key things to look for when choosing a lender, and – spoiler – we check all the boxes 😉. https://buff.ly/3nBPzm1

You've found the perfect home, you've secured financing, and everything is moving right along on schedule. Do you know what to expect on closing day, though? Sure, there is a lot of paperwork to sign, but it's nice to know what is taking place on your day of celebration. Here's the full run-down of closing day. https://buff.ly/2WuPzIB

[DOWNLOAD] Have you seen our free Construction & Renovation Finance Guide? This 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

Redecorating can be a great way to make your home feel fresh. With so much time being spent at home, we're all looking for ways to make it seem new again — this time with a personal touch. In this post, we show you three ways to spruce up the interior of your home. https://buff.ly/34tavnN

While most people focus on their down payment, it's also important to consider your closing costs. Comprised of a variety of fees like property taxes and title fees, thinking about your closing costs early can help you avoid any surprises. Here's everything you need to know about closing costs. https://buff.ly/3neKoIv

Choosing to build a home is a big decision. Finding the right builder is even more important. You can do a great deal to avoid a bad experience by merely choosing, managing, and communicating with them, laying the foundation for a good relationship. Here are ten tips for choosing and working with a builder. https://buff.ly/3qJHgGw

Renovating your home can be both an exciting and stressful experience. Whether it's a quick upgrade to your light fixtures or designing a new kitchen, you may have a project you've been planning but haven't started. In this post, we walk you through every step of the home renovation process to make sure you don't miss a beat. Here's our ultimate guide to home renovations. https://buff.ly/2JGtGTe

Settling into a new home is one of the best feelings for a new homeowner. For many, it's also one of the largest financial investments anyone will ever make. That's why new homeowners need to start off on the right foot. From meeting the neighbors to understanding property taxes, here are 15 essential tips to make your first homeownership experience a success. https://buff.ly/3mZkrMH

[DOWNLOAD] As you start the journey towards your new home, you'll want to be sure that you have all the necessary documents. Use this free checklist to make sure you're ready from the start. Download our Mortgage Application Checklist here. https://buff.ly/2Vn5mbC #MoreThanABank

As a homeowner, you may try to find ways to boost the value of your home. Often, this involves projects that take both time and money. Luckily, there are some quick DIY ways that can get you what you're looking for without breaking the bank. In this post on our blog, we show you ten quick fixes that can increase your home's value. https://buff.ly/3mmmN87 #MoreThanABank

As a homeowner, you might decide to renovate your home for a variety of reasons. Maybe it's new cabinets in the kitchen or the addition of a new room. Whatever your reason, there's an irresistible urge to improve the quality of your home. In this post, we uncover the top five reasons why homeowners choose to renovate. https://buff.ly/3mg8npY #MoreThanABank

Underwriting is when your lender evaluates the risk of offering a loan to you. It's a crucial step in the home buying process and will determine whether you qualify. In this post, we explain what to expect and give tips for a smooth underwriting process. https://buff.ly/37edoJx #MoreThanABank

Homeownership comes with a new set of obligations. Property taxes are a responsibility new homeowners often don't consider when budgeting for their home. In the latest post on our blog, we explain what property taxes are, how to calculate them, and whether you can avoid paying them. https://buff.ly/2JauBew #MoreThanABank

Most homebuyers know the golden rule — don't purchase more house than you can afford. Figuring out what affordable is for you, however, can be a challenge. As you start the road towards your first home, planning and sticking to a budget can help you better understand the sweet spot for your affordability. Here are some rules you can follow and how you can set a budget to purchase your first home. https://buff.ly/3fqiKoA

Your debt-to-income (DTI) ratio is a critical factor that helps determine whether or not your lender will qualify you for a loan. This number gives an idea of how much money a lender can provide to borrowers. Here's how you can calculate your DTI ratio and why it's so important. https://buff.ly/2UJmNCS

When it comes time to apply for a mortgage, you want to be certain that you have all the necessary documents for your lender. This will help determine if you qualify and ensure a smooth process. The exact forms required will depend on your situation, but here are seven you may need when applying. https://buff.ly/3kNLRDA

For homebuyers looking to purchase their next home outside of a major city, a USDA loan can be a great choice to make homeownership more affordable. In this post on our blog, we cover everything you need to know about USDA loans, including benefits like no down payment, 100% financing, and whether it's the right choice for you. https://buff.ly/36TO1wf #MoreThanABank

Backed by the Federal Housing Administration (FHA), FHA loans were created to help families with low-to-moderate income become homeowners. With benefits like a low down payment, reduced closing costs, and flexible lending guidelines, this may be the perfect borrowing option for you. In this post on our blog, learn what an FHA loan is and if it's the right choice for you. https://buff.ly/2UuRrA5 #MoreThanABank

So you have a loan in process and don't exactly know what to expect down the road as settlement approaches? Today, Amy Grant Ratified Title , is helping me share the top 10 things you need to know about the closing process! From choosing a Settlement company, providing your Hazard insurance, and deciding on title insurance, we are here to get you to the finish line and into your home!
Happy Friday!
Remember, I am always easily reached to discuss your financing needs at 703.283.7657 or [email protected]. Get started online www.applywithana.com
#dmv #locallender #mortgage #financing #settelment #titleinsurance #princewilliamcounty #escrow #closingday #cleartoclose

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/3nkLe6c #MoreThanABank

Choosing to build a home is a big step. Finding the right builder is even more important. You can do a great deal to avoid a bad experience simply through the way you choose, manage, and communicate with them, laying the foundation for a good relationship. Here are ten tips for choosing and working with a builder. https://buff.ly/2GINaFI

Investing in real estate can be a great way to generate passive income and build wealth. Like any investment, it's important to know what you're getting involved with and have a long-term strategy. There's no substitute for being prepared. Here's what you need to know about investing in real estate and if it's the right choice for you. https://buff.ly/358w6lS

Private mortgage insurance, also known as PMI, is common on government-backed loans, such as FHA and USDA mortgages, which typically allow minimal down payments. Homebuyers with PMI pay a mortgage insurance premium, and its cost can vary by lender. Will you need to pay PMI? Here's what you should know. https://buff.ly/3581ctV

Is a conditional approval the same as being approved? As you move through the process, you may hear that you've been "conditionally approved" but might not understand what that means or how it differs from an initial mortgage approval to buy or refinance your home. Learn more about what a conditional approval means by visiting here. https://buff.ly/3k9yqxs

Backed by the Federal Housing Administration (FHA), 203(k) home renovation loans were created to help those looking to finance home repairs plus the purchase or refinance of a primary residence. In this post on our blog, we explain the benefits and the difference between a standard and a limited 203(k) loan. https://buff.ly/2U1zbhp #MoreThanABank

If your a first time buyer in VA and worried about down payment funds, Virginia Housing offers 100% financing (through a 2nd trust) to help cover your required down payment(3-3.5%)! Credit score minimums go to as low as 620! If credit scores are at a 680+, you also have the option to finance and additional 1.5% to help cover closing cost! This can be a big help, especially in this competitive housing market. Help is always there, make sure you ask about all your options!
Happy Friday!
Remember, I am always easily reached to discuss your financing needs at 703.283.7657 or [email protected]. Get started online www.applywithana.com
#virginiahousing #dmv #locallender #mortgage #financing #downpaymentassistanceprograms #creditscore #vhda #princewilliamcounty

A jumbo loan is perfect for homebuyers looking to finance high-end properties that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). This type of financing is not eligible to be purchased or guaranteed by Fannie Mae or Freddie Mac and has unique underwriting requirements that differ from a conventional loan. To learn how a jumbo loan works, visit here. https://buff.ly/2U2hCh6

Ana Arana at First Heritage Mortgage

About First Heritage Mortgage

Founded in 1996, First Heritage Mortgage was designed to be the premier source of mortgage financing in the Washington DC 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

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Location

Telephone

Address


12701 Marblestone Drive Suite 110
Woodbridge, VA
22192

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
Other Loans in Woodbridge (show all)
David Bridges at First Heritage Mortgage David Bridges at First Heritage Mortgage
12701 Marblestone Drive Suite 110
Woodbridge, 22192

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)

Luis Ortiz NMLS #510005 - Loan Officer Luis Ortiz NMLS #510005 - Loan Officer
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The Northern Virginia Home Loan Specialist page provides information, news, and updates to help homebuyers better navigate the home buying process. Call today for your home loan pre-approval. Luis is a Loan Officer with American Financial Network.

Team AFN Woodbridge Team AFN Woodbridge
3302 Old Bridge Rd,
Woodbridge, 92821-3652

First time home buyer, Low upfront costs, FHA loan, Quick closing, Veteran/Military, Low monthly payment. Whether you are in the market for a new home or refinancing your current loan AFN Woodbridge VA. have you covered.

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Giorgio Fernandes - American Financial Network Giorgio Fernandes - American Financial Network
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Diana Patty Bowers Perez Diana Patty Bowers Perez
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Woodbridge, 22192

I am a Realtor agent working for Samson Properties in Northern Virginia. I would like to help you find your dream home or sell your property. Call me!

Movement Mortgage-DC Metro Movement Mortgage-DC Metro
12700 Black Forest Lane, Suite 315
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NMLS 195048 Our Mission: We exist to love and value people by leading a Movement of Change in our Industry, Corporate Cultures and Communities.

Rashanna Jones -Licensed Realtor in Virginia Rashanna Jones -Licensed Realtor in Virginia
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Licensed Realtor ~Prioritizing People Over Profit~

Shanita Williams, Loan Officer Shanita Williams, Loan Officer
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Thank you for visiting my page, my name is Shanita Williams and I am a Loan Officer (NMLS # 1379778) with American Financial Network, Inc. I am happy to serve homebuyers in the greater Woodbridge, VA area!

Atlantic Coast Mortgage, LLC Atlantic Coast Mortgage, LLC
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