Caroline Smith at First Heritage Mortgage
Senior Loan Officer | NMLS ID #2107073
College of Charleston
At First Heritage Mortgage, we know the same is true of any business. That’s why we take pride in what got us here in the first place: A commitment to serving our communities with honesty, integrity, and care. Nearly 30 years in the industr...... Show More
Location & Business Hours
Business Hours
Wed
8 AM to 6 PM
Thu
8 AM to 6 PM
Fri
8 AM to 6 PM
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Reviews from Web
easy process
The invester company was not efficient.
First Heritage was fine though.
Caroline was awesome to work with and was ways available to answer my questions and concerns.
Reply from Caroline Smith at First Heritage Mo...
May 5th, 2026 11:34 AM
Loren, it was so nice working with you. Congratuations on your new home!
Caroline's responsiveness and industry knowledge was remarkable. Her kindness and professionalism were always noted .
Reply from Caroline Smith at First Heritage Mo...
April 23rd, 2026 06:54 PM
Joe, thank you so much for your kind words. It was such a pleasure working with you. Welcome to Charleston!
I had a great experience with Caroline at First Heritage. She was extremely knowledgeable and professional. I was impressed with the ease of the process and I highly recommend Caroline.
Reply from Owner
April 23rd, 2026 06:55 PM
Andrea, thank you so much. Such a pleasure to work with you.
Great experience with Caroline at First Heritage. She was extremely knowledgeable and professional. I was impressed and I highly recommend this lender.
Reply from Caroline Smith at First Heritage Mo...
April 7th, 2026 03:44 PM
Andrea, thank you so much for your kind words. It was an absolute pleasure!
The best mortgage experience I’ve ever had. Caroline and team was very helpful and prompt in getting this mortgage done. Highly recommend.
Reply from Owner
March 31st, 2026 08:11 PM
Chris, thank you so much for your kind words. Congratulations on your new home!
Caroline and team were awesome . I've had quite a few mortgages. This was rhe the easiest one to complate. Highly recommend.
Reply from Caroline Smith at First Heritage Mo...
March 28th, 2026 06:54 PM
Chris, thank you so much for the kind words. That means the world to me! Good luck with the move. I know you are going to fill your new home with so many great memories!
Caroline was amazing! She was always available to answer questions and made the whole process go smoothly. I could not recommend her more!
Reply from Caroline Smith at First Heritage Mo...
March 21st, 2026 05:31 PM
Lindsay, Thank you so much for your kind words. So excited for you and your new adventure!
Working with Caroline was an absolutely wonderful experience. From start to finish, she was incredibly helpful, transparent, and kind. Buying a home can be stressful, but Caroline made the entire process feel smooth and manageable for us.She...
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Reply from Caroline Smith at First Heritage Mo...
March 11th, 2026 01:39 PM
It was such a joy to work with you! I am so excited about the great investment y'all made and everything that you have ahead of you. Thank you for trusting me to help guide you through the process. I love this job so much. It was truly an honor....
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About
At First Heritage Mortgage, we know the same is true of any business. That’s why we take pride in what got us here in the first place: A commitment to serving our communities with honesty, integrity, and care. Nearly 30 years in the industry have taught us that homeownership is more than a significant financial investment — it’s a sense of belonging. It’s peace of mind for you and your family. We’re honored to be a part of that. Our lending experts aim to support and empower you through each step of the mortgage process — and beyond.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Qualified Mortgage Pre-Approvals
Non-QM
Specialities
Mortgage advisor
Refinance
mortgage advisor, refinance
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604
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Education
- College of CharlestonEducationMaster of Arts (MA)
- University of South CarolinaMaster of Social Work (MSW)
Addresses and Serving Areas
Year Started
2021
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #2107073
Hobbies
- Boating
- Reading
- Walking dogs
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