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Charlie Aldinger at First Heritage Mortgage

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Charlie Aldinger at First Heritage Mortgage

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Work with our team of lending experts for greater simplicity, honesty, and fairness throughout the mortgage process.

Charlie Aldinger | NMLS ID #513227

First Heritage Mortgage, LLC is an Equal Housing Lender
Company NMLS ID #86548 | Richmond Branch NMLS ID #1197073
(www.nmlsconsumeraccess.org) 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. 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. Company NMLS ID #86548
Richmond Branch NMLS ID #1197073
(www.nmlsconsumeraccess.org)

11/01/2026

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/i6w7thJpTYv/QgYZW

10/30/2026

Should you buy a house now, or is it better to wait? 🤔

It’s easy to let mortgage rates and the housing market make the decision for you. But there’s another question you should be asking: Are you financially ready to buy?

Your savings, credit, income, debt, and even the inventory in your area can all play a role in whether buying now—or waiting—makes the most sense. 🏡

Read our latest blog to learn what to consider before making your move. 👇
https://myoc.io/i6w7thJpTYv/FV2ro

10/28/2026

Feel like the housing game was over before Gen Z even got a turn? It doesn’t have to stay that way. 👏

This post dives into what it really looks like to buy a starter home in this economy — how condos, townhomes, smarter budgeting, and first-time buyer programs are helping Gen Z turn ‘someday’ into an actual plan.

Click the link to see what’s actually realistic for you right now and how First Heritage Mortgage can help you make your first move into homeownership. 👇
https://myoc.io/i6w7thJpTYv/t1HBv

10/25/2026

Fixed-rate or adjustable-rate mortgage… which one makes sense for you? 🏡

The answer depends on more than just the interest rate. Your budget, how long you plan to stay in your home, and your future goals all play a role in finding the right loan option.

🔒 Fixed-rate mortgages offer predictable principal and interest payments.
📉 Adjustable-rate mortgages may offer a lower initial rate, depending on market conditions and loan terms.

There’s no one-size-fits-all answer when it comes to home financing. Let’s find the loan that fits your plans! Read the full guide and learn more about your options. 🔗
https://myoc.io/i6w7thJpTYv/Hn4vt

10/23/2026

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/i6w7thJpTYv/lIb9v

10/21/2026

Are you trying to decide between a fixed-rate mortgage and an adjustable-rate mortgage?

You are not alone in feeling overwhelmed by this choice. Fixed-rate options give you long-term payment predictability. On the other hand, adjustable-rate mortgages can offer lower initial monthly payments if you plan to move in a few years.

The right choice depends entirely on your personal budget and your future goals. Matching your loan to your life plans is what matters most. 🏡

Tap the link to read the full guide and start figuring out which loan type fits you best! 👇
https://myoc.io/i6w7thJpTYv/rVGC4

10/18/2026

Mortgage escrow sounds intimidating, but it’s really just there to protect you and your money. 🏡💰

You’ll learn what escrow actually is, how it handles your good faith deposit, and how rolling taxes and insurance into your monthly payment can keep big surprise bills from hitting all at once.

If you want to understand how escrow helps your home and budget stay on track, check out our blog! 👇
https://myoc.io/i6w7thJpTYv/ZirK6

10/16/2026

Found a house you love… but have no idea if you can afford it? 🏡😅

Before you start scrolling through listings or scheduling showings, getting pre-qualified can help you understand what you may be able to afford—and give you a clearer starting point for your home search.

It can also help you catch potential financial hurdles early and show sellers that you’re serious about buying.

Read our latest blog to learn why getting pre-qualified should be one of your first steps. 👇
https://myoc.io/i6w7thJpTYv/ZBTFv

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 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/i6w7thJpTYv/NChVG

Address

4551 Cox Road Suite 305
Glen Allen, VA
23060

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

https://fhmtg.com/officers/charlie-aldinger/?c=true

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