# First Heritage Mortgage: First Heritage Mortgage is a trusted Virginia, Maryland, and now the entire Mid\-Atlantic region Mortgage Lender, and as a direct lender can help you get your mortgage loan faster and easier\.

> Find the perfect mortgage lender for your home, construction, or special financing needs at First Heritage Mortgage\. Our expert team can help\!

Generated by Yoast SEO v28.7, this is an llms.txt file, meant for consumption by LLMs.

## Pages
- [Licenses](https://fhmtg.com/licenses/)
- [Virginia Housing Homebuyer Education with Patrick Settle](https://fhmtg.com/psettle-virginia-housing-events/)
- [Novotny Lending](https://fhmtg.com/novotny-lending/)
- [Filter By Map](https://fhmtg.com/filter-by-map/)
- [Our People](https://fhmtg.com/about/our-people/)

## Posts
- [Inflation Came in Hot, but Rates Went Down?](https://fhmtg.com/blog/inflation-came-in-hot-but-rates-went-down/)
- [What Are Seller Concessions and How Do They Work? ](https://fhmtg.com/blog/what-are-seller-concessions-and-how-do-they-work/)
- [What Assets Can You Use Towards Your Down Payment?](https://fhmtg.com/blog/what-assets-can-you-use-towards-your-down-payment/)
- [Adjustable\-Rate Mortgage vs Fixed\-Rate Mortgage: Which One is Right for You?](https://fhmtg.com/blog/adjustable-rate-mortgage-vs-fixed-rate-mortgage-which-one-is-right-for-you/)
- [Markets Are Up in ARMs](https://fhmtg.com/blog/markets-are-up-in-arms/)

## Officers
- [Victoria Outland](https://fhmtg.com/officers/victoria-outland/)
- [Daniel Schroeder](https://fhmtg.com/officers/daniel-schroeder/)
- [Jeffrey Stempler](https://fhmtg.com/officers/jeffrey-stempler/)
- [Rolando Garcia](https://fhmtg.com/officers/rolando-garcia/)
- [Yaresmi Fumero](https://fhmtg.com/officers/yaresmi-fumero/)

## Products
- [PHFA Mortgage Programs](https://fhmtg.com/product/home-loans/phfa/)
- [State Homebuyer Programs](https://fhmtg.com/product/home-loans/state-homebuyer-programs/)
- [Loans for Physicians](https://fhmtg.com/product/specialty-financing/loans-for-physicians/)
- [DSCR Loans](https://fhmtg.com/product/specialty-financing/dscr-loans/)
- [Bank Statement Loans](https://fhmtg.com/product/specialty-financing/bank-statement-loans/)

## Branches
- [Rockville](https://fhmtg.com/location/rockville/)
- [Greenville](https://fhmtg.com/location/greenville/)
- [Tampa](https://fhmtg.com/location/tampa-home-mortgage-lender/)
- [Cary](https://fhmtg.com/location/cary/)
- [Charlotte](https://fhmtg.com/location/charlotte-home-mortgage-lender/)

## Resources
- [FHM Partner Hub](https://fhmtg.com/resource/partner-hub/)
- [Mortgage Calculators](https://fhmtg.com/resource/mortgage-calculators/)
- [Tax Savings Calculator](https://fhmtg.com/resource/mortgage-calculators/tax-savings-calculator/): Estimate your tax savings from your deductible interest and property tax payments\.
- [Renter Affordability Calculator](https://fhmtg.com/resource/mortgage-calculators/renter-affordability-calculator/): Estimate the mortgage you could afford from your monthly rent payment, downpayment, potential property taxes, and homeowner’s insurance\.
- [Refinancing Calculator](https://fhmtg.com/resource/mortgage-calculators/refinancing-calculator/): See if you should refinance your current mortgage at a lower interest rate\.

## Links \& Downloads
- [Mortgage Application Checklist](https://fhmtg.com/blog/links-downloads/mortgage-application-checklist/)
- [Home Tour Checklist](https://fhmtg.com/blog/links-downloads/home-tour-checklist/)
- [Gift Letter Instructions: Conventional Loans](https://fhmtg.com/blog/links-downloads/gift-letter-instructions-conventional-loans/)
- [Gift Letter Instructions: FHA Loans](https://fhmtg.com/blog/links-downloads/gift-letter-instructions-fha-loans/)
- [Your Home Loan Toolkit: A Step\-by\-Step Guide](https://fhmtg.com/blog/links-downloads/your-home-loan-toolkit-a-step-by-step-guide/)

## Optional
- [Sitemap index](https://fhmtg.com/sitemap_index.xml)