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Whitney Watson (First Heritage Mortgage) Mortgage and Lending



Whitney Watson
location_on Henrico, VA — First Heritage Mortgage
NMLS #: 938761
Get to Know Whitney Watson

I'm a wife and mom to a toddler and two Labrador retrievers.  In my spare time I love to play tennis, garden, read, and travel.  

As a former teacher, I focus on educating clients on the different loan products available to them and the loan process.  I love partnering with realtors and helping clients making their dreams of homeownership into realities.


My certifications are...   


My current awards are...   


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Whitney was great throughout pre-approval and all the way to closing. She was very helpful and worked with us beyond just the mortgage side of things. We would highly recommend her to any potential homebuyers!
Betty W.
I have been lucky enough to have had a working relationship with Whitney Watson on two fronts. I first represented Whitney and her husband Mark when they bought their charming house a few years ago. Since that time, we have maintained a strong bond and I was aware of Whitney’s high energy. When I found that Whitney had decided to work for First Home Mortgage I was thrilled to know that I could refer my clients to her for financial advise when they decided to purchase a new home. Her kindness and attention to detail has made my clients very happy. As everyone knows, in today’s world it is important to find a competitive rate and Whitney can do that for home buyers. I will call upon her again and again
Whitney Watson took care of business. Some obstacles but the process was always well explained and organized. Well within estimates of the closing schedule and cost estimates. Easily the smoothest transaction of the many I've experienced over the years.
Was referred by a friend, and appreciated the seamless process - very clear, efficient, and professional. Did not have to worry about anything, and the refinance was completed on time. Thanks!
The what,where,when and how was nailed in by Ms Watson in the first twenty minutes of our initial meeting by phone. The contact information was very complete which enabled to execute the loan process in a timely manner. I able to get to Lynchburg often, thanks for a job well done!
Whitney was a great pleasure to work with. Communication was awesome. She really helped us get organized and close quickly!! She was always there to answer any questions we had and was eager to help in anyway she could. Would HIGHLY recommend!!!
I was so impressed with Whitney Watson and the way she handled my loan. She was always up-front with information and there were NO surprises at closing. She went above and beyond what was expected of her. Thank you Whitney for making my experience a fun and painless one–I would not even consider using another loan officer in the future
Whitney was extremely helpful and responsive in securing our loan. She always responded in a timely fashion to "ad hoc" requests from us for such items as updated closing costs, mortgage payments, etc.
Whitney made me feel comfortable and at ease in this very new, overwhelming and stressful process. I'm so happy I had the chance to work with her; would recommend her to all my friends and will return to her for mortgage or financial advice or insight in the future!
Whitney did a great job as our loan officer. She was easy to contact, explained everything clearly, and was even able to move up our closing date on short notice. We were very impressed with her service and if we ever need another loan, we’ll definitely go through Whitney again!
Whitney was just incredible, there were NO unexpected surprises, everything was as Whitney said it would be, just a very pleasant experience, very professional and actually fun, Whitney even attended the closing to make sure that I was represented properly and she went above and beyond what is expected, Thank u so much Whitney and my next mortgage will definitely be with Whitney, Thx again Whitney!
Whitney was great to work with! No matter what time, she made herself available and worked to complete everything I needed for close. She also took the worry off of my shoulders and made sure my lawyer had everything prepared so we did not have to delay closing. She made the closing process so much better and stress free, I would not have been able to get through without her!
Brian and paula
I can not say enough positive things about our experience with Whitney when purchasing our home. She was very knowledgeable with the process and was very quick to answer all our questions and we had a lot! She helped us to get locked into the best rate we could and was very through with explaining the documentation we needed for our FHA loan and why. She was very nice every time I contacted her and I never felt like I was bothering her as she took time to answer everything and never rushed me. She also took time to come to our late afternoon closing which meant so much to us. I would highly recommend using Whitney when purchasing or refinancing a home. I know we will use her again when we have the need!
Christian and Chasity
My wife and I had consulted two mortgage lenders to compare rates and receive two different opinions. Whitney was honest from the beginning of the process all the way to the end. She was courteous, quick with responses to questions, and diligent in her work. Furthermore, she was reassuring when issues came up. She got us a new mortgage payment exactly where we wanted it to be. Also, I cannot leave out her loan processor Kim, who was just as awesome and easy to work with. Both ladies made this process much easier to deal with and were honest the entire way. I would recommend their services if you are looking to refinance.
Shannon M.
When I spoke with Whitney about a transaction that was about to fall through with another mortgage company, Whitney immediately sprung into action. And, you know what? She was able to deliver! What’s the saying?–’Everything is impossible until somebody does it.’ As a Richmond Realtor who looks out for my clients best interests, I will certainly refer to Whitney as she has demonstrated her ability, skill, and same passion for getting a client his HOME!

I take a consultative approach to mortgage lending, providing borrowers with the knowledge and options to make informed mortgage choices to meet their short and long term financial goals.