SMart Financing

You Have Options with SMart Financing

Stanley Martin wants to provide you with a variety of options to make your new home purchase as easy and straightforward as possible. In partnership with our recommended lender, First Heritage Mortgage, we are excited to offer great opportunities to purchase a home with financial confidence. Some of these include:

  • Rate lock programs
  • Closing cost assistance
  • Point buy down opportunities
  • ARM loans

Who is First Heritage Mortgage?

First Heritage Mortgage is one of the top 100 largest mortgage companies in the country, offering an extraordinarily broad range of mortgage programs to fit the needs of every buyer with deep expertise in the intricacies of new home lending.

Rate Lock Periods

Beyond FHM's 60-day standard lock protection, Rate Lock Programs are available in increments of 80, 110, 140, 170, 230, 260 and 350 days.

What is a Rate Lock?

Closing Cost Assistance

Available for FHA, VA, Conforming Fixed, Confirming ARMs, Closing Cost Opportunities, and Jumbo loan products.

Tell Me More About These Options

Adjustable Rate Mortgages

ARMs (Adjustable Rate Mortgages) availability without upfront fees. Not all programs qualify. Ask a Loan Officer for details.

How Do Adjustable Rate Mortgages Work?

Ready to Get Started?

Fill out the form below to reach out to a New Home Consultant who will put you in touch with a First Heritage Mortgage loan officer.

Must utilize First Heritage Mortgage as lender to qualify for incentives. *Incentives offered will be paid in the form of a closing cost contribution paid at closing. The homebuyer will pay the rate lock fee, and then be reimbursed through the overall closing cost contribution incentive paid by Stanley Martin if incentive conditions are satisfied. Incentives may vary by neighborhood. Stanley Martin Homes and First Heritage Mortgage are affiliated businesses. Read our full ABA disclosure here. Incentive (i) only available on non-contingent contracts fully executed on or before 06/30/2022, (ii) only available (and may vary) as to specific communities, homesites and house types, (iii) will not exceed the total amount of closing costs, and (iv) conditioned upon purchaser using First Heritage Mortgage, LLC. Stanley Martin Homes has an affiliated business arrangement with First Heritage Mortgage, LLC and may benefit financially from the use of their services. First Heritage Mortgage, LLC is an Equal Housing Lender | | Fairfax, VA: Company NMLS ID# 86548.