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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Heritage Financial

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Annapolis, MD
Heritage Financial

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Mortgage Lending Made Easy. Speed, Service, Reliability. Heritage Financial, Inc.

is a full service mortgage broker specializing in residential mortgage financing, Conventional, FHA, VA, and Reverse Mortgages. NMLS ID 181623
http://nmlsconsumeraccess.org
MD Lic #181623
DC Lic # MLB181623
PA Lic # 105096
Licensed by the Virginia State
Corporation Commission MC-5475

10/30/2026

Your credit report isn't the same across all three bureaus. Each bureau maintains its own records, which is why your credit history and scores are different.

10/28/2026

What's the difference: Soft vs. Hard Inquiries.

A soft inquiry gives you a prequalified estimate, not a guarantee on the amount you can borrow.

A hard inquiry is a formal part of the application process that temporarily impacts your credit score and shows up on your credit report.

10/20/2026

Current Mortgage Rates as of October 14, 2026 📈

If you're purchasing a new home or exploring refinance options, comparing rates from multiple lenders can help you secure the loan that fits your goals and budget best.

Our team is here to help you explore your options and find the right financing solution for you!

Give us a call or visit our website to get started!

📲 (800) 351-5755

🌐www.heritagefinancial.com

10/16/2026

A home can be more than a place to live. Over time, it can build equity, create financial opportunities and become part of the wealth you pass on to the next generation.

10/14/2026

Finding a mortgage starts with understanding your options. Heritage Financial works with a variety of lenders, giving you access to different loan programs and financing solutions based on your homeownership goals.

Call or visit our website to learn more

🔗: www.heritagefinancial.com

📲: (800) 351-5755

10/09/2026

Adjustable-rate mortgages (ARMs) start with a fixed interest rate that changes after an introductory period. They can be a good option for buyers planning to move within a few years.

Qualification requirements vary by lender, so check with your mortgage professional to understand your options.

10/07/2026

The 30-year fixed mortgage rate reached its highest level in nearly 3 years.

Higher rates are affecting affordability, demand and pricing, while also creating the “lock-in effect” that is keeping more homes off the market.

Sources:

Realtor.com Research: Mortgage Rates Jump to Highest Level in Nearly Three Years
CNBC: High interest rates are foreclosing on the American home remodeling dream

10/02/2026

Mortgage Lingo Explained, Part 7.

Simple explanations for common mortgage terms and why they matter when buying your first home.

10/01/2026

Borrower Basics: Home Equity 🏠

Equity is a very important part of understanding homeownership. Here’s a simple breakdown of what equity is, how you build it and how it can be used.

09/25/2026

Heritage Financial is hiring licensed and willing to get licensed Loan Officers across MD, DC, DE, PA & VA.

Build your business with the support, earning potential and resources to help you succeed.

HERE’S WHAT YOU GET:

✅ 70% Commission Split

✅Recruiting Bonuses

✅ No Production Quotas

✅ In-House Processing & Title Support

✅ Wholesale Lending Network

✅ Competitive Benefits (Employer-Contributed Retirement Fund)

✅ $500 Best Rate Guarantee for Clients

AND MORE!

Join Heritage Financial as a Loan Officer!

🔗:heritagefinancial.com/jobs/loan-officer

📲: (800) 351-5755

Address

175 Admiral Cochrane Drive , Suite 112
Annapolis, MD
21401

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.heritagefinancial.com/

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