The grass is greener in your own home
Whether you’re refinancing, purchasing a new home, or considering a reverse mortgage, we can help you navigate the home mortgage loan options to find your way home.
Applying is simple and quick
Use our online application to get started.
We require only a minimal amount of information to start the process.
1st Heritage Home Mortgage Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
No obligation to get started
You can explore our site without any obligation or disclosure of personal information, or if you want, you can even begin the application process online!
To get started, we only need a small amount of information to see how much house you can afford to buy.
Register for an account to check your loan status
When you register for a Loan Center account, you can submit an online form and the sensitive information that you provide will be transmitted securely. Your account also enables you to easily modify your information and view the status of your loan.
We’re here to help
At any point, feel free to e-mail or call us regarding any questions you may have. We are here to personally help you through the entire home financing process.
Financial Wellness Calculators
Buying a home is a big decision. Getting your finances in order prior to applying for a loan can be the best plan of action. In order to know where you stand currently, we have some calculators to help… See below.
Your debt-to-income (DTI) ratio and credit history are two important financial health factors lenders consider when determining if they will lend you money.
To calculate your estimated DTI ratio, simply enter your monthly expenses (recurring bills) and monthly income . We can help you understand what it means for you.
A good debt-to-income ratio is 0.35, or less, (i.e. 35% or less).
(Please note this calculator is for educational purposes only and is not a denial or approval of credit.)
Pre-qualification vs Preapproval
To get a sense of how much you may be able to borrow, fill in the Mortgage Calculator form below. Please note that prequalification is different from a preapproval. Prequalification gives you an estimate of how much you may be able to borrow. Preapproval, on the other hand, indicates that you have been approved for a set loan amount prior to property selection.
(The Mortgage Calculator is for demonstration purposes only and may not reflect actual numbers for your mortgage.)