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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
Tues
8 AM to 6 PM
Wed
8 AM to 6 PM
Thu
8 AM to 6 PM
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Reviews from Web
Wonderful experience. Caroline does a great job with communicating with her clients and making them feel like ease through the whole process.
Reply from Caroline Smith at First Heritage Mo...
June 17th, 2026 03:00 PM
Holly, thanks so much. I am always so thankful when clients are working with you!
Thank you Caroline you were so helpful through the entire process thank you for everything
Reply from Caroline Smith at First Heritage Mo...
June 16th, 2026 05:20 PM
You are so welcome! Congratulations on your new home! I cannot wait to hear about all the new memories you will make!
Caroline was very responsive
Reply from Caroline Smith at First Heritage Mo...
June 9th, 2026 06:47 PM
Thanks Barry! I hope y'all are enjoying your new home!
Caroline Smith at First Heritage Mortgage has received a review with 5 star rating from Janet D
Reply from Owner
June 9th, 2026 06:47 PM
Thanks Janet! You are the best!
Caroline is the truly the best mortgage lender! Her promptness, compassion for buyers, excellent care, diligence, time management, communication skills, & mortgage knowledge is exemplary! She is readily available to answer questions at any...
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Reply from Caroline Smith at First Heritage Mo...
June 2nd, 2026 01:35 PM
Janet, thank you SO much for your kind words. I adore working with you. It is such a pleasure to work with someone that cares about your clients as much as I do. You work so hard for them!
Caroline Smith at First Heritage Mortgage has received a review with 5 star rating from Marshee F
Reply from Owner
June 2nd, 2026 01:36 PM
Thank you so much, Marshee!
The entire process with Caroline was incredibly quick and efficient. She did not waste any time, communication was clear, and everything was finalized much faster than I expected. I will use her again!
Reply from Caroline Smith at First Heritage Mo...
May 30th, 2026 01:23 PM
Marshee, thank you so much for your kind words. It was an absolute pleasure working with you! Your professionalism and service for your clients is top notch!
easy process
Reply from Caroline Smith at First Heritage Mo...
May 29th, 2026 05:42 PM
It was so great to work with you! Congratulations on your new home!
The invester company was not efficient.
First Heritage was fine though.
Reply from Caroline Smith at First Heritage Mo...
May 30th, 2026 01:26 PM
Dave, it was a pleasure working with y'all, Timeline was super short and the non-delegated investor did take a bit getting back to us, but we got it done. Hope you have the best memories in your new home!
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!
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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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629
/850
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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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