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Ramez Fahmy at First Heritage Mortgage
Branch Manager | NMLS ID #476394

I have helped Washington DC Area home owners finance their dreams since 1994. Along the way, I have met many great people and done repeated business for them, their family members and co-workers.
My team of professionals will guide along t... Show More
Location & Business Hours
Business Hours
Mon
8 AM to 5 PM
Tues
8 AM to 5 PM(Open now)
Wed
8 AM to 5 PM
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Reviews from Web
We had another wonderful experience working with Ramez, Michael, and Julia on our recent home loan! They are always responsive, professional, friendly, and genuinely committed to making the process as easy as possible.What we appreciate most...
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Reply from Ramez Fahmy
September 18th, 2026 01:22 PM
Kathryn-Jane, we truly appreciate your generous feedback. It's gratifying to hear that Ramez, Michael, and Julie at First Heritage Mortgage provided such a seamless and trustworthy experience for your recent home loan. We're grateful for your...
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I wanted to start early and got no response or a continued delay. I closed with FHM on >5 properties and this was the worst experience with you ever. Ramez does not seem to take this seriously and certainly was responsible for many mistaes...
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Ramez Fahmy is a true professional in all senses of the word. He is smart and knowledgable, respectful and kind, timely with communication, and able to meet deadlines for speedy closings. He is an absolute pleasure to work with.
Reply from Ramez Fahmy at First Heritage Mortg...
September 4th, 2026 03:05 PM
Ellen, I appreciate your kind words and am glad to know that you found working with me to be such a positive experience. It's great to hear that my communication and ability to meet deadlines contributed to a smooth process for you. Thank you...
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Everything went super smooth and very helpful
Reply from Ramez Fahmy at First Heritage Mortg...
September 1st, 2026 02:14 PM
Kaylee, I appreciate your feedback. I'm glad to hear that everything went smoothly and that I could be of help. Please reach out if you have any questions. Please be sure to share our info if you know anyone else in need of my services.
Ramez and Michael worked with us through the entire process and dealt with all our inexperience. made the entire process simple and easy. And a great rate
Reply from Ramez Fahmy at First Heritage Mortg...
September 1st, 2026 12:17 AM
Matthew, I appreciate your feedback. It's great to know that Michael and I could assist you throughout the process and make it straightforward for you. I'm pleased we could secure a great rate for you as well.
AnswerEd all questions . timely responsea
Reply from Ramez Fahmy at First Heritage Mortg...
August 25th, 2026 03:10 PM
India, I appreciate you highlighting the timely responses and thorough answers to your questions. I'm glad I could assist you effectively throughout the process.
Ramez and Michael are amazing to work with! They spoke with the clients several times during the trasnaction which the buyers appreciated actually being able to speak to a person on the phone! They even helped expdite the loan process to get...
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Reply from Ramez Fahmy at First Heritage Mortg...
August 25th, 2026 03:10 PM
Nancy, I'm pleased to hear that you found working with Michael and me to be a positive experience. It's great to know that having direct communication made a difference for the clients and that we could expedite the process for an early closing....
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We loved working with Ramez and Michael. They were always avaible for assistance and answered all my questions. Their team was thoughtful and seemed to really have our best interest at heart! Would use them again AND send their info to all...
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Reply from Ramez Fahmy at First Heritage Mortg...
August 25th, 2026 03:11 PM
Jessica, I'm glad to hear that you enjoyed working with Michael and me. It's great to know that our team was helpful and attentive to your needs. We appreciate your trust and look forward to assisting you or your friends in the future. We really...
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always get things done on time with little to no issues. Thank you!
Reply from Ramez Fahmy at First Heritage Mortg...
August 15th, 2026 01:37 PM
Victoria, thank you for your kind words. I'm glad to hear that everything went smoothly and on schedule for you. If you need any further assistance, feel free to reach out.
Ramez and the team at First Heritage Mortgage are phenomenal. They are knowledgeable and kind throughout the process of trying to purchase a home. I highly recommend this team!
Reply from Owner
August 16th, 2026 12:28 AM
Amy, I'm grateful for your kind words. It's great to hear that you found my team at First Heritage Mortgage knowledgeable and supportive during your home-buying journey. Thank you for recommending us!
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About
I have helped Washington DC Area home owners finance their dreams since 1994. Along the way, I have met many great people and done repeated business for them, their family members and co-workers.
My team of professionals will guide along the path of the home purchase or refinance process with care and ease, even in times of over regulation and documentation. We try to ask you for everything at one time so your mortgage does not become your full time job.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Mortgage Purchase
Mortgage Refinance
Mortgage Consultation
Cash Out Refinance
Mortgage
Home Loans
Refinancing
Cash Out Refinancing
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Positions
- Caliber Home Loans - Branch ManagerJan 1st, 2012 - Jun 30th, 2024
- First Heritage Mortgage - Branch ManagerJul 1st, 2024 - Current
Memberships
- MBAMW Board of Governors
- NMLS
- Maryland Mortgage Bankers and Brokers Association
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1996
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #476394
Awards
Achievements
- circle of excellence and ceo circle since 2000
Hobbies
- golf
- maryland terps
- skiing
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