Scott Kinne | NMLS ID #182351
Certified Divorce Lending Professional (CDLP)
First Heritage Mortgage, LLC is an Equal Housing Lender. Company NMLS ID #86548
(www.nmlsconsumeraccess.org)
(5)
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.
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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...](https://scontent-yyz1-1.xx.fbcdn.net/v/t1.0-9/s720x720/131925746_3411584762303372_7251780906594707636_o.jpg?_nc_cat=105&ccb=2&_nc_sid=da1649&_nc_ohc=NOJOtjX-pvEAX-Hq0vK&_nc_ht=scontent-yyz1-1.xx&tp=7&oh=cc403f1bc9fc3320edf75882d2a908df&oe=600CD7CE)
[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
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
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
![[DOWNLOAD] As you start the journey towards your new home, you'll want to be sure that you have all the necessary docume...](https://scontent-yyz1-1.xx.fbcdn.net/v/t1.0-9/s720x720/129217849_3368551133273402_8773798618733313773_o.jpg?_nc_cat=111&ccb=2&_nc_sid=da1649&_nc_ohc=3ZtuIzEE-wsAX__hmkZ&_nc_ht=scontent-yyz1-1.xx&tp=7&oh=37bf147a89b963613843ac1b1f02750d&oe=602A389E)
[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
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
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
Have you tried using our mortgage calculators? Use one of our seven calculators to assist in planning, estimating, and exploring your financial options. https://buff.ly/3mXaC1D #MoreThanABank
Purchasing a second home can be a big decision. Whether you're looking for an investment property or you want a weekend getaway, having a plan can make the process smooth. Beyond deciding on a location, financing and additional expenses become a significant consideration. This post on our blog covers everything you need to know and gives you five tips for buying a second home. https://buff.ly/3mO1HPR #MoreThanABank
As a homeowner, you have options if you need to tap into your home's equity. This can be a convenient way to borrow cash at favorable interest rates to pay for home repairs, debt consolidation, or something else. Sorting through all of your options can be confusing, so here are the three most common ways to tap into your home equity. https://buff.ly/2I1uDoG
Starting early is a major component in preparing to qualify for a mortgage. If you're able to find and correct issues in your credit history, follow a budget, and pay your bills on time, the home buying process will be a breeze. In this post, we show you tips on how to improve your chance of getting approved for a mortgage. https://buff.ly/3efy3jE #MoreThanABank
Remodeling the bathroom is one of the most popular home renovation projects. When you find the right opportunity to upgrade, it's essential to have a plan and even more important to have a couple of tricks up your sleeve. This post on our blog walks you through the top 9 rules for your bathroom renovation, along with a few tricks. https://buff.ly/35HNSvi #MoreThanABank
3201 Jermantown Road Suite 800
Fairfax, VA
22030
| Monday | 09:00 - 17:30 |
| Tuesday | 09:00 - 17:30 |
| Wednesday | 09:00 - 17:30 |
| Thursday | 09:00 - 17:30 |
| Friday | 09:00 - 17:30 |
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A home inspection is where an inspector checks the condition of your potential home and determines its actual value. To learn more about home inspections, visit here. https://buff.ly/2EUuAXs #MoreThanABank
Giving your home a little TLC can be a great change of pace and it can even increase the value of your home. Even if you’re not ready to sell, a few weekend projects could make you fall in love with your home again. Here are 5 DIY projects you can do that may add value to your home. https://buff.ly/2RYrFAc #MoreThanABank
Today we take the time to recognize not just fathers, but the father figures in our lives. #HappyFathersDay
Thinking about purchasing a home? One of the most important factors in the home buying process is your down payment. Here are a few tips we think you should know prior to making a down payment. https://buff.ly/36c6eoo
Quick explanation of Mortgage Forbearance, and how payments are structured.
DIY projects are a great way to give your home some TLC and it's not uncommon for them to add value as well. From simple fixes to remodeling your bathroom, here are 5 DIY projects you can do that add value to your home. https://buff.ly/2RYrFAc
Thinking about making some home improvements in the near future? Our Construction & Renovation guide covers everything you need when looking to spruce up your dream home. Download this guide for free today. http://bit.ly/ConstructionRenovationGuide
Happy Tuesday! Today's #TuesdayTerm is Easement. An easement is: the right of a non-owner of property to exert control over a portion or all of the property. For example, power companies often own an easement over residential properties for access to their power lines. For more terms, check out the glossary section on our website! https://buff.ly/370UP9s
Happy Tuesday! Today's #TuesdayTerm is Deed. Deed: a document indicating the ownership of a property. For more terms, check out the glossary section on our website! https://buff.ly/32aLuvc
Happy Tuesday! Today's #TuesdayTerm is Prime Rate. Prime Rate: the interest rate that banks and other lending institutions charge other banks or preferred customers. For more terms, check out the glossary section on our website! https://buff.ly/2tP24E5
Your credit history has a huge impact on whether or not you qualify for a mortgage loan. Ever wonder how you can improve your credit score? In this video, Kellen Blake shares 3 tips that may help you do just that! For more, check out our blog post: https://buff.ly/2U1LsDS
Happy Tuesday! Today's #TuesdayTerm is Unencumbered Property. Unencumbered Property: any property which has no outstanding claims or liens against it. For more terms, check out the glossary section on our website! https://buff.ly/370UP9s
It's Tuesday! Today's #TuesdayTerm is Sheetrock. Sheetrock: also called drywall, the gypsum board commonly used on interior walls. For more terms, check out the glossary section on our website! https://buff.ly/2RBd7tm
After spending the time to find the perfect home, it's time to make it look great. If you're unsure about adding color to your home, consider the 60-30-10 rule. To learn more: https://buff.ly/2XK009f
Thinking about doing some construction or renovations in the near future? Check out our FREE Construction & Renovation guide, which covers everything you need when looking to build your dream home. Download Now: http://bit.ly/ConstructionRenovationGuide
Helping clients find the best loan solution for their unique situations is what I have focused on since 1990. Other lenders often lose sight of the big picture and talk in the basic terms of Rate, Term, LTV, Ratios and Credit Scores. I see mortgages as being the largest financial decision most people face, and help my clients to also understand additional complex issues such as: Time Value of Money, Effective Rates, Return on Investment, and best use of money. I work closely with you and your Financial Planner to insure that your mortgage integrates well with your overall financial plan.
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
Sheri R. Abrams, Attorney at Law
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