Mike Ott at First Heritage Mortgage

Mike Ott at First Heritage Mortgage Mike Ott | NMLS ID #330537

First Heritage Mortgage, LLC is an Equal Housing Lender. First Heritage Mortgage, LLC is an Equal Housing Lender.

Company NMLS ID #86548 | Woodbridge Branch NMLS ID #920806
(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. Work with our team of lending experts for greater simplicity, honesty, and fairness throughout the mortgage process. O

ur 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! Company NMLS ID #86548
Woodbridge Branch NMLS ID #920806
(www.nmlsconsumeraccess.org)

The Homebuyers Privacy Protection Act (aka the Trigger Leads Bill) is officially in effect, and it’s already making the ...
06/09/2026

The Homebuyers Privacy Protection Act (aka the Trigger Leads Bill) is officially in effect, and it’s already making the mortgage process a lot less overwhelming. 😊

Here’s why it matters:
Trigger leads are when your information is sold after a credit pull—often leading to a flood of calls, texts, and emails from other lenders. 😵‍💫

This law puts limits on that, helping protect your privacy and cut down the noise! 🙌

Are interest rates looking good right now? It might be time to refinance your mortgage. 🤩Refinancing can help you lower ...
06/07/2026

Are interest rates looking good right now? It might be time to refinance your mortgage. 🤩

Refinancing can help you lower your payment, shorten your loan term, or unlock equity from your home. But the right timing depends on your goals.🏡

Read our blog to learn when refinancing makes the most sense for you! 🔗 https://fhmtg.com/2024/05/16/when-is-the-right-time-to-refinance-your-mortgage/

06/06/2026
06/06/2026

Thinking about buying a home? Now's the golden window! 🏠 Just after Memorial Day is prime time for new listings, and guess what? The hottest properties wait for none!

Step 1: Let's get you pre-approved to stand out in a crowded market. Then, identify your non-negotiables because decisions will be made in hours, not days.

Know your numbers and set your budget before setting foot in a potential dream home. And keep that phone handy because when the right opportunity knocks, you'll need a mortgage team that responds swiftly and expertly.

Don't wait on this opportunity—let's make sure your mortgage plan is rock-solid. Contact me today, and let's get you home-ready! Know someone ready to make a move? Share this with them!

https://myoc.io/gWl8hwWYgY5

Is it your first time buying or selling a house? You often hear that working with a real estate agent plays a key role i...
06/05/2026

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/

Did you start your homeownership journey with an ARM mortgage? We get it, they can be appealing at the beginning. But, f...
06/03/2026

Did you start your homeownership journey with an ARM mortgage? We get it, they can be appealing at the beginning. But, future adjustments can mean higher payments.

If you’re looking for stability, refinancing to a fixed-rate mortgage could lock in a consistent rate and monthly payment. 🏡 ✨

Check out our blog to learn how to get started and why this could be a smart move! 🔗 https://fhmtg.com/2024/12/05/how-to-refinance-your-arm-into-a-fixed-rate-mortgage/

Understanding your Loan-to-Value (LTV) ratio is like having a GPS on your mortgage journey.📍 It's the magic number that ...
06/02/2026

Understanding your Loan-to-Value (LTV) ratio is like having a GPS on your mortgage journey.📍

It's the magic number that compares your loan amount to your home's value, helping determine your interest rate and down payment. A lower LTV could mean better terms for you! 🧮

Calculate your LTV ratio here! 🔗 https://fhmtg.com/2022/04/14/how-to-calculate-your-ltv-ratio/

Unlock the secrets of home valuation! Whether buying, selling, or refinancing, it's crucial to understand what truly con...
05/31/2026

Unlock the secrets of home valuation! Whether buying, selling, or refinancing, it's crucial to understand what truly contributes to your property's worth. 🏠✨

Our latest blog highlights the key factors determining your home's value, and why this knowledge should be in every homeowner's toolkit. Are you ready to make informed decisions about your financial future? ➡️ https://fhmtg.com/blog/how-is-a-home-value-determined/
https://myoc.io/gWl8hwWYgY5

Did you recently find out that you are inheriting a home? 🏠While this may seem like a generous gift, inheriting property...
05/29/2026

Did you recently find out that you are inheriting a home? 🏠

While this may seem like a generous gift, inheriting property can raise many questions about what to do. 🤔 When you inherit a home, there are many hidden costs that many people overlook!

Check out our latest blog to uncover the fine print of your inheritance so you can make an informed decision that is best for you. 🏡🤝 https://fhmtg.com/2026/02/12/what-to-know-when-inheriting-a-property/

05/27/2026

Did you know that simply having a low mortgage rate doesn't always guarantee savings? Let me break down the concept of a blended rate and how it impacts your total mortgage costs.

Curious how to keep more money in your pocket without feeling trapped by your old mortgage rate?

Reach out today for a custom assessment; it could be the easiest decision you make this year.
https://myoc.io/gWl8hwWYgY5

Address

12701 Marblestone Drive Suite 110
Woodbridge, VA
22192

Opening Hours

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

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