

Meet Our Team
Our team of mortgage experts are licensed and serve all of North Carolina, South Carolina, Florida, Tennessee, Alabama, and Virginia. We have consistently ranked in the top 1% of lenders throughout the country and believe that securing a mortgage should be the easiest part of buying a home. Each member of our team is dedicated to ensuring every client we serve is informed and understands all of their options, making their entire experience as smooth as possible. We'd love to connect and learn about any of your financing or refinancing needs!


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All the information you need about mortgages is right here! We believe in giving you what you need so that you don't miss opportunities available now.
The first step to owning a home is securing financing! Did you know that you can do it all from the comfort of your couch? If you need assistance figuring out which home loan is best suited for you, our team offers endless options to streamline the process. Including fast pre-qualificaton letters, online portals to track your loan progress, securely upload documents, & even message us 24/7 through our mobile app.
Looking to save money each month on your monthly mortgage payment? Or seeking a creative way to leverage your homes equity for cash? Our team is here to assist you with all of your home refinancing needs, including offering free statement reviews! Want to know if you could be saving money each month? Send us a copy or photo of your most recent statement & let us see if you qualify!

Raving Fans
Thank you to our amazing clients for leaving five-star reviews for The Sherry Riano Team at First Heritage Mortgage! We are so happy to have the opportunity to help so many families finance or refinance the home of their dreams! Want to see what our happy clients and REALTOR partners have to say? Click the button below to checkout all of our stellar reviews.
checkout our reviewsFrequently Asked Questions
Calling a lender first can make all the difference when it comes to home shopping. By spending a little time upfront with a lender, you can get an idea for what price range you'll be looking in, as well as which neighborhoods or school districts are best for your family. It will also help you determine how much house you can really afford. Because once you start looking, it's easy to get swept away by the style of the moment -- and what seems doable at first glance can turn out to be much more than you can afford.
Have you recently began the process of looking for a new home? Did you know getting pre-approved for a home loan is easy with The Sherry Riano team? We listen to our clients and discover what's unique about them. Each client is different and each situation is unique. Our goal is to educate you on all aspects of financing, so you feel comfortable and secure throughout the entire process. All you have to do is click the Apply Now button on our website to start the process!
Have you ever wondered if there was a difference between getting a mortgage loan from a local lender as opposed to a large chain bank? If so, you're not alone. We've had numerous clients ask this exact question when it came to their home financing options. There are many substantial differences between working with an independent lender and a larger bank. But after years of comparing these two options side by side while watching friends go through the process, we know what works best for most people (hint: it's not the big bank).
Timing is everything when buying a home and ensuring your financing is in order is critical to ensuring a smooth experience. How long does it take to get pre-approved with our team? The answer is simple. Lightning fast! Sometimes, even within the same day in some cases!
The key ingredient to an expedited home loan is all in the details. Make sure you get back requested paperwork and files to us as quickly as possible and have everything stored in one place that is easily accessible. The second most important ingredient is to ensure all the information on your application is accurate.
Private Mortgage Insurance, also known as PMI, is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private (non-government) companies and is usually required when your loan-to-value ratio – the amount of your mortgage loan divided by the value of your home – is greater than 80 percent.
PMI isn’t a bad thing – it allows you to make a lower down payment and still qualify for a mortgage loan. In fact without PMI, many of us would not be able to purchase our first home.
When determining what size monthly payment you can afford, you’ll want to consider what other monthly expenses you have. Tangible expenses such as car payments, day care and utility bills, all play a role in how large a monthly payment you can afford.
There are also the intangible expenses or lifestyle expenses that you’ll want to consider. Things such as dining out, travel and when you buy your next car can affect how much you can afford. Are you willing to curtail or delay some of these expenses in order to afford a larger monthly payment?
This is a question you’ll want to get answered before you begin your home search. This is something that we’re here to help you with. Our helpful resource section is packed full of articles and mortgage calculators to give you a better idea of what to expect.
