Todd Call at First Heritage Mortgage, LLC

11/12/2025

I’m thrilled to announce that I’ve joined First Heritage Mortgage as a Senior Loan Officer and will be leading The Call Group from the Fairfax branch.

I'm licensed in Virginia and the Carolinas, ready to help make homeownership happen!

Reach out to me if I can help you with your next purchase or refinance today.

11/06/2025

Thinking of waiting for rates to drop before buying?

It may not pay off. Waiting for mortgage rates to fall could cost you time and opportunity.

Let’s talk through your goals and create a plan that works no matter what the market does next.

The Federal Reserve cut interest rates for the second time this year, but Chair Jerome Powell signaled a December cut isn't guaranteed, leaving mortgage timing unpredictable.

11/04/2025

This month, we recognize the families who stand behind our service members with unwavering love and resilience.

Thank you for all you give and all you sacrifice.

10/31/2025

🎃👻 Buying a home shouldn’t be spooky!

This Halloween, let take the fright out of financing. 🏡✨

Our team delivers trusted guidance, transparent communication, and personalized solutions no tricks, just treats! 🍬

10/30/2025

Your credit score matters when you buy a home.

Understand what impacts it payment history, how much you owe, length of credit, new accounts, and credit mix. Start smart and build confidence on your homeownership journey.

Discover 5 factors that influence your credit score to improve your home buying or home refinance potential and set yourself up for mortgage success.

10/28/2025

Trying to figure out what your monthly mortgage payment might be?

Use our simple calculator to break it all down principal, interest, taxes, and insurance so you can plan your homebuying journey with confidence.

Estimate your monthly mortgage payment, view a full breakdown, and see your loan amortization schedule using our free calculator.

10/23/2025

It’s no surprise most buyers want lower prices and lower rates.

But did you know there are programs that can help you get closer to both?

Let’s find the best fit for you.

10/21/2025

Home prices are projected to keep climbing 📈

Waiting could cost more later.

10/20/2025

Fixed or adjustable? 🏡

One gives you stability, the other flexibility which fits your future best?

Fixed- and adjustable-rate mortgages have unique pros and cons. To decide which is right for you, consider your budget and long-term plans.

10/16/2025

Forget scary surprises!

Title insurance is your superhero shield, protecting your new home and all your money from hidden problems like old debts or unknown claims. It’s the secret to making your home ownership secure and totally worry-free. We help you make safe moves!

Title insurance protects homebuyers and lenders from costly ownership disputes, ensuring secure closings and supporting a stronger, more affordable housing market.

10/14/2025

Ready for the ultimate cheat code?

Homeownership should save you money, not cost you extra! You can lock in the best mortgage rate by boosting your credit and lowering your debt. A lower rate saves you THOUSANDS of dollars over the life of your loan! Don't just settle. Let me help you get the winning deal!

Are you ready to buy a house? Learn how to find the best mortgage rate with these eight easy steps, plus additional tips for applying.