Mike Ott at First Heritage Mortgage

Directions Website Contact the business

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

First Heritage Mortgage, LLC is an Equal Housing Lender. Company NMLS ID #86548
(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. 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
Woodbridge Branch NMLS ID #920806
(www.nmlsconsumeraccess.org)

11/03/2026

What if you could buy your next home without having to sell your current one? Many homeowners believe upsizing requires letting go of their existing property. With the right financing plan, you can tap existing equity and leverage future rental income to keep both. This approach allows you to upgrade your space today while building lasting real estate wealth. What would your next move look like with a clear strategy in place? Send me a message today to explore your financing options. 🏡

https://myoc.io/gWl8hwWYgY5

Figuring out how to buy your next place while selling your current one feels impossible — but it doesn’t have to be. 🏠✨Y...
11/01/2026

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/gWl8hwWYgY5/1CWZn

10/30/2026

Market Update: October 30

POV: You’re ready to buy a home but have no idea where to start 🏡The first step is to get pre-qualified! It helps you un...
10/30/2026

POV: You’re ready to buy a home but have no idea where to start 🏡

The first step is to get pre-qualified! It helps you understand your buying power, plan your budget, and know what homes to start looking at. Plus, the process may be easier than you think. 👏

Save yourself the guesswork and check out our latest blog for everything you need to know about getting pre-qualified. 👇
https://myoc.io/gWl8hwWYgY5/XKzh5

Fixed-rate or adjustable-rate mortgage… which one makes sense for you? 🏡The answer depends on more than just the interes...
10/28/2026

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/gWl8hwWYgY5/cEUYT

5.0 star review received on Experience.com for Mike Ott by Abuelgasim E - Mike is very knowledgeable. He answered all ou...
10/27/2026

5.0 star review received on Experience.com for Mike Ott by Abuelgasim E - Mike is very knowledgeable. He answered all our questions. Offered valuable information, and the process of securing the loan was very smooth. Thank you

Click to see all 92 reviews of Mike Ott at First Heritage Mortgage, Loan Officer | NMLS ID #330537

10/26/2026

Market Update: Week Ending October 23

Building a real estate portfolio isn’t one-size-fits-all — so why should your financing be? Conventional loans can be a ...
10/25/2026

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/gWl8hwWYgY5/5kAEh

Is your furry friend truly living their best life in your current space? Our pets are family, and creating a comfortable...
10/23/2026

Is your furry friend truly living their best life in your current space? Our pets are family, and creating a comfortable environment for them is always a top priority.

Owning your home gives you total freedom to customize spaces, build pet nooks, and create play areas without landlord restrictions. Check out our latest blog post for easy DIY projects that will make your pets feel completely at home.

🏡 Ready to purchase a place with a big yard or extra room for your four legged family members? Send us a message today to explore your home loan options.
https://myoc.io/gWl8hwWYgY5/wtBGG

What if your next investment property could qualify for a loan based on its income — not yours? 🤔A DSCR loan (Debt-Servi...
10/21/2026

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/gWl8hwWYgY5/dxR0v

Address

11325 Random Hills Road, Suite 600
Woodbridge, VA
22030

Opening Hours

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

Alerts

Be the first to know and let us send you an email when Mike Ott at First Heritage Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mike Ott at First Heritage Mortgage:

Shortcuts

Share

Category