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Evan Hansen at First Heritage Mortgage

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Evan Hansen at First Heritage Mortgage

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Evan is a Loan Officer at First Heritage Mortgage. Evan Hansen Evan is incredibly passionate about helping others.

Contact him today for strategic advice on everything from Conventional, Jumbo, Construction, VA, FHA, and USDA loans. Evan is a Loan Officer Assistant on the Mike Buczynski Team with a diverse background, including carpentry, non-profit arts and ministry management, and most recently six years operating and co-owning a team of Realtors. In 2019, Evan and family moved to Belize for a year of incredibly rewarding volunteer work with the Anglican Church. Outside of work, Evan enjoys motorcycling, playing guitar, writing songs, and performing. Evan Hansen | NMLS ID #2053484

First Heritage Mortgage, LLC
Equal Housing Lender
Company NMLS ID #86548 (www.nmlsconsumeraccess.org)
Charlottesville Branch NMLS ID #1070047

11/04/2026

HOA fees. Rules. Maybe even a very specific shade of beige for your front door. 😂 That's what HOA is most known for. But there’s more to a homeowners association than just neighborhood restrictions. HOAs can help manage maintenance, maintain shared spaces and amenities, address community concerns, and even help protect property values. 🏡

Of course, there are trade-offs — and whether an HOA is worth it really comes down to what you value most in a home.
🏊 Amenities
🌳 Maintenance
📋 Community standards
💰 HOA fees
🚪 Restrictions

So, is an HOA actually worth it? We’re breaking down the pros, cons, costs, and what to consider before buying a home in an HOA community.

Read the full blog to decide if HOA living is right for you.👇
https://myoc.io/fFij0yQWGOO/3ll1z

11/01/2026

Unlocking your VA home loan benefits just got way easier 🇺🇸

This blog breaks down all things VA loans — how you can buy a home with no down payment, skip monthly mortgage insurance, and still get competitive rates, plus how things like the VA funding fee, closing costs, and reuse of your benefit actually work in real life!

If you're ready to see what your VA benefits can do for you, check out our blog! 👇
https://myoc.io/fFij0yQWGOO/OlT9P

10/30/2026

Building your dream home but not sure who to trust with it? 🏗️✨

This blog shows you how to spot a quality home builder — from matching your budget and style, to checking reviews, licenses, insurance, and warranties, to making sure their communication style actually works for you.

If you’re planning a new build and want to feel confident about who you hire, check out our blog! 👇
https://myoc.io/fFij0yQWGOO/ZzwPz

10/25/2026

“Cash to close” sounds confusing, but it really just means what you’ll need to pay on closing day to actually get your keys. 💸✨

This blog walks you through what cash to close includes, how it’s different from closing costs, what adds to or lowers that number, and how you’ll pay it so there are no last-minute surprises at the closing table.

If you want to feel fully prepared before the big day, check out our blog! 👇
https://myoc.io/fFij0yQWGOO/FUngS

10/23/2026

What if your next investment property could qualify for a loan based on its income — not yours? 🤔

A DSCR loan (Debt-Service Coverage Ratio loan) looks at how much income a property can bring in, instead of focusing on your pay stubs or tax returns. That means the strength of the rental property — its rent and expenses — can help you qualify.

This type of financing can be a powerful way to:
🏠 Buy your next rental property
🔑 Unlock equity from a property you already own
📈 Keep building your investment portfolio over time

Ready to see how far your rentals can take you? Learn how it works and what lenders look for in our blog! 👇
https://myoc.io/fFij0yQWGOO/7JNW8

10/21/2026

Your credit score is more than just a number. When you’re buying a home, those three digits can play a role in the mortgage interest rate you’re offered, which can affect both your monthly payment and how much you pay over time. 💳

So, what actually impacts your credit score? And what can you do to improve it before buying?

We’re breaking it all down in our latest blog, so check it out! 🏡👇
https://myoc.io/fFij0yQWGOO/ALOYm

10/18/2026

Trying to pick between a fixed-rate mortgage and an ARM and worried you’ll choose "wrong"? You’re not the only one. 🤔

This blog breaks down both options and also compares them so that you can best understand which option works better for you. From how fixed-rate mortgages give you payment stability to how ARMs can offer a lower initial rate and more flexibility, and when each one is better based on your budget and your plans. 🏡

It’s all about helping you match your mortgage to your actual life, not just a rule of thumb. ☺️

Tap the link to read the full guide and start figuring out which loan type fits you best! 👇
https://myoc.io/fFij0yQWGOO/24tyc

10/16/2026

Figuring out how to buy your next place while selling your current one feels impossible — but it doesn’t have to be. 🏠✨

You’ll learn how to make a move without getting stuck with two payments, what role your current home’s equity plays, and how to plan the timing so the whole process feels way more organized and way less stressful.

If you’re thinking about moving and want a clear, simple breakdown of your options, check out our blog! 👇
https://myoc.io/fFij0yQWGOO/PsiT5

10/14/2026

🚨 Last call! FHM's social media webinar is tomorrow at 10 AM!

If growing your business and staying top of mind with your network are on your radar, you don't want to miss this 📲

The FHM Marketing team is breaking down how to choose the right platforms, figure out what to post, and build a social media strategy that feels authentic without adding more to your plate.

The webinar is tomorrow, Thursday, October 15, at 10 am! If you haven't registered yet, they have a few spots left. Register here. 👇
https://zoom.us/webinar/register/6517907937624/WN_cnynfJz0RnW7u5k6J4WXig #/registration

10/14/2026

Building a real estate portfolio isn’t one-size-fits-all — so why should your financing be?

Conventional loans can be a great fit for investors with strong, traditionally documented income. But for self-employed investors, business owners, or those growing a rental portfolio, Non-QM options like DSCR and Bank Statement Loans may offer the flexibility traditional financing doesn’t. 🤝

We’re breaking down Conventional vs. Non-QM loans, including the pros, qualification differences, and financing options investors should know about before their next purchase. 🏠

Read the full guide to find the right financing strategy for your next investment property. 👇
https://myoc.io/fFij0yQWGOO/XrtbD

Address

404 People Place, Suite 303
Charlottesville, VA
22911

Opening Hours

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

Website

https://fhmtg.com/evan-hansen/

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