Helping clients find the best loan solution for their unique situations is what I have focused on since 1990. Other lenders often lose sight of the big picture and talk in the basic terms of Rate, Term, LTV, Ratios and Credit Scores. I see mortgages as being the largest financial decision most people face, and help my clients understand additional complex issues such as: Time Value of Money, Effective Rates, Return on Investment, and best use of money. I work closely with you and your Financial Planner to insure that your mortgage integrates well with your overall financial plan. "There is more to a mortgage than the rate!"

First Heritage Mortgage, LLC - Company NMLS# 86548 (www.nmlsconsumeraccess.org) is a full service mortgage lender providing home loans is VIrginia, Maryland, Washington DC, Delaware, Pennsylvania, West Virginia, and North Carolina. Our Corporate address is 3201 Jermantown Rd., Suite 800, Fairfax VA 22030. First Heritage Mortgage, LLC is an Equal Housing Lender. Website www.scottkinne.com .