Scott Kinne is an excellent loan officer. He is extremely knowledgeable and efficient. His team at First Heritage has always done an excellent job for me and my clients. HIGHLY RECOMMENDED.

Worked with many loan officers and Scott Kinne is definitely in the top percentile. He is very knowledgeable, patient, and sets expectations early so there are no surprises throughout the loan process. Easy to contact. Highly recommended for any homebuyer.

Scott Kinne and his team at First Heritage Mortgage are top-notch. From pre-approval to closing day, they made the transaction of purchasing our first home so seamless. We used the VA loan and Scott never made us feel inferior or steered us away from this. He offered many different loan options and scenarios and was always clear on the closing costs and monthly mortgage payments. His team clearly communicated about documents needed and where we were in the loan process. He also advocated for us, which was a huge asset for us when we put in an offer on a home. He called the listing agent right after we submitted our offer and reassured her that our finances were solid and that we would get approved for the offer amount. When interest amounts were rising, he called us right away to make sure we locked in a rate. In addition, when the VA appraiser took longer than 10 days to upload the appraisal, Scott was on top of it and made sure that the appraisal was uploaded in time for closing. Between the appraisal and closing, he had one day to underwrite the loan and he did it! Wow. We could not have asked for a better experience in purchasing our first home and we highly recommend Scott Kinne and his team at First Heritage Mortgage

I had great hesitation going into refinancing, I had heard all the horror stories. Working with Scott Kinne at First Heritage Mortgage was quite the opposite. Every step was clearly explained, there were dedicated professionals to answer all questions and all calls/e-mails were answered very quickly! Overall this experience couldn’t have been better. I would highly recommend anyone considering refinancing to consider working with Scott Kinne at First Heritage, you won’t regret it.

I couldn’t be happier with Scott and his team. Scott went above and beyond at our first meeting explaining everything about the process to us as first time home-buyers – and answering every one of my questions. From there we were in the hands of his capable team who were responsive, organized and very friendly – and Scott was always available if we needed anything. It was obvious this team has a wealth of experience and had some great tools that made the whole process easier including online signatures for most documents and a secure transmittal system for important documents you wouldn’t want in your regular email. In summary, great team, great process and great support along the way. I will definitely be recommending FHM.

After comparing with over 5 lenders, we settled on First Heritage Mortgage based on the outstanding interest rate and closing fees. Thank you so very much for all of your help in securing our loan for our new home. You were organized, thorough, and professional, as well as caring which made all of the difference in our interactions with you. You were completely upfront about the costs and whether the deal made sense financially. I really appreciate everything Mr. Kinne did for my husband and I to finance our mortgage. We will certainly contact Mr. Kinne for our next loan and we will not hesitate to recommend him to our friends.

We had a wonderful experience with First Heritage Mortgage. Almost everything was electronic which made things very convenient. At the closing everything was in order and very fast. The customer service is second to none. Ive bought 3 homes now and they were by far my best experience from start to finish.

Thank you Scott for all your assistance in the purchase of our new home. If not for your guidance we probably would have kept on renting a much smaller place and not the beautiful home we now have! Be assured, we will be sending all our friends and family to you in the future. Thanks again.

Thank you for answering all of our questions and for helping make the process a smooth and transparent one. You and Karen have been very professional and diligent with us. In the future we will keep First Heritage as our first choice for mortgage lending and will tell others about the great service we have received!

Scott & Team, I just wanted to send out a very BIG Thank You to all of you. This has been a great experience with you all from beginning to finish and Barbara and I are very happy with the new house. Thanks again and take care!

Linda and I would like to thank you for your work on our refinance. We have been pleased with the timeliness and trouble free process that occurred. As was the case when we first purchased the home, it was a pleasure doing business with you again.

I just wanted to thank you for all of your hard work. None of this would have been possible without you. I never thought being a homeowner could be this much fun (well except for the mortgage payment). You are an awesome lender & hopefully we can do business again sometime in the near future.

I just wanted to send you a quick note to let you know how thankful we are to have met you. Not only did you educate us on financing and purchasing a home, but also provided me sound financial suggestions which I confirmed as being in our best interest with our financial advisor. Every aspect of the purchase and settlement went just as you had outlined and planned. Be assured, you will always be our Lender and I am referring you to all my friends and family. Thanks again for taking the extra time to help us. We are eternally grateful!