Billy Stephens at First Heritage Mortgage

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Midlothian, VA
Billy Stephens at First Heritage Mortgage

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Billy Stephens at First Heritage Mortgage, Loan service, 1 Park West Circle, Midlothian, VA.

Billy Stephens | NMLS ID #2302130

First Heritage Mortgage, LLC
Equal Housing Lender
Company NMLS ID #86548 (www.nmlsconsumeraccess.org)
Midlothian Branch NMLS ID #2587989

06/07/2026

If you’ve been keeping an eye on mortgage rates, you’ve probably noticed they move with the news. Whether it is a conflict overseas, a pandemic, or a trade dispute, suddenly, rates are shifting. 🌎

It's not a coincidence. We created a guide that breaks down why this happens, what history can teach us, and how you can stay ahead of it! ➡️ https://fhmtg.com/blog/how-global-events-affect-mortgage-rates-and-the-housing-market/
https://myoc.io/eU76nS0Fe1V

06/05/2026

House hunting right now could come with some unexpected advantages. 👀

Buyers in today’s market may be able to negotiate seller concessions, which can help cover some closing costs and make buying more affordable! 🏠

Find out how seller concessions work in our blog! 🔗 https://fhmtg.com/2026/02/26/what-are-seller-concessions-and-how-do-they-work/

06/03/2026

Are you feeling overwhelmed with unnecessary space or just ready for a change? 📦

It might be the perfect time to consider downsizing your home! Whether you're looking to cut costs, simplify life, or embrace a cozy new environment, downsizing unlocks opportunities for growth and financial freedom. 😄

Check out our latest blog to find out if now is the right time for you to make the move! Are you ready to take the leap? 👉🏼 https://fhmtg.com/2026/03/26/when-is-the-right-time-for-downsizing-your-home/

05/31/2026

Is it your first time buying or selling a house? You often hear that working with a real estate agent plays a key role in these transactions, but what do they do? 🤔

Quick overview:
👉 Fully support clients
👉 Handle contracts & paperwork
👉 Negotiate offers
👉 Market properties to qualified buyers
👉 Find homes that match clients' needs

Real estate agents fully guide you from the first showing to closing. 🏠 But, that’s just part of what they do!

To learn more about how they can help you, check out our blog! 🔗 https://fhmtg.com/2022/04/28/what-does-a-real-estate-agent-do/

05/29/2026

Buying a home is a significant milestone for anyone, but it can be especially unique for active-duty service members due to deployments and frequent moves. 🇺🇸

In many ways, homeownership is even more attainable thanks to the VA loan program 🏡✨

Click the link to learn how you can use a VA loan to buy a house while serving in the military. 🤝 https://fhmtg.com/2024/06/13/how-to-buy-a-home-with-a-va-loanwhile-serving-in-the-military/

05/25/2026

As we gather to honor the sacrifices of our brave service members this Memorial Day, let's also celebrate the freedom they secured for us.

Is a new home part of your American Dream this year? I’m here to help you navigate your mortgage loan journey with care and expertise.

Drop a comment or message me to see how I can support you in building your piece of the American Dream. 🏡

05/13/2026

I want to give a HUGE congrats to Samantha and Julian on the closing of their new home in Midlothian the other day!! I couldn't be more excited for yall as you make this next big step in your lives together !😁🏡🎉

Yall both were an absolute pleasure to work with and I can't tell you enough how much I appreciate you trusting me to be your LENDER! 🙌 💰

I'd also like to thank Whitney Watson with Shaheen, Ruth, Martin & Fonville Real Estate for doing a great job on the realtor end as well!!

If you are looking to purchase a new home, need to refinance, or want to get started on a construction perm loan, let's chat!🏡😁

www.BorrowWithBilly.com

"Don't be silly...BORROW WITH BILLY!!"

~Building lasting relationships one loan at a time~

04/14/2026

I want to give a HUGE congrats to my lifetime friends Jennifer and Derek Smith on the closing of their GORGEOUS vacation home up in Wintergreen, VA the other day! 🎉🏡

I can't say thank yall enough for the continued endorsement and for trusting me to be your LENDER! ❤️💰

And a big thanks to Brian Hunt with REAL Brokerage as well for all your hard work and for doing a great job on the real estate end of things! 💪😎

The spring market is on FIRE 🔥 right now and if you are reading this, I would LOVE to help you with a purchase, refinance, or construction perm loan! Let's chat!! 🏡😁

www.BorrowWithBilly.com

"Don't be silly...BORROW WITH BILLY!"

~ Building lasting relationships one loan at a time ~

03/05/2026

I want to give a huge congrats to Coleman and Grace on the closing of their new home in Midlothian the other day!! I couldn't be more excited for yall as you make this next big step in your lives together !😁🏡🎉

Yall both were an absolute pleasure to work with and I can't tell you enough how much I appreciate you trusting me to be your LENDER! 🙌 💰

I'd also like to thank my buddy Riley Fox for connecting us and thank Jacob Sklar with Hometown Realty RVA for doing a great job on the realtor end as well!!

If you are looking to purchase a new home, need to refinance, or want to get started on a construction perm loan, let's chat!🏡😁

www.BorrowWithBilly.com

"Don't be silly...BORROW WITH BILLY!!"

~Building lasting relationships one loan at a time~

02/10/2026

You see this lady right here!?

This lady (who asked for her name to be left anonymous) and I have been working together on her equity buyout refinance for over a year now!

Her goal was to get her ex's name off of the mortgage, pull some equity out of the home to pay him his portion of that equity, and to start a new life!

And last week...we FINALLY made that happen! 🎉😁🏡

Over the past year and some change, we became friends. Good friends! And I am so glad God allowed our paths to cross! 🙏💪😎

And THANK YOU so much for trusting me to be your LENDER! 🙌 💰

If you are looking to purchase a new home, need to refinance (for any reason at all), or want to get started on a construction perm loan, let's chat!🏡😁

www.BorrowWithBilly.com

"Don't be silly...BORROW WITH BILLY!!"

~Building lasting relationships one loan at a time~

Address

1 Park West Circle
Midlothian, VA
23114

Website

http://www.borrowwithbilly.com/

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