**Loan Officer: Michael Novotny - Your Mortgage Advocate**
Since 2009, following his UMBC graduation, Michael Novotny of the Novotny Lending Team at First Heritage Mortgage, LLC (NMLS #86548) has been guiding clients through the home financing process. He offers a comprehensive suite of loan options, including conventional, Jumbo, FHA, VA, and USDA loans.
Leveraging strategic partnerships, Michael provides access to exclusive financing programs like no-MI loans, preferred-rate ARMs, and grant opportunities. His client-focused approach ensures a personalized and transparent experience, whether you're referred by a realtor, employer, or other partner. Expect clear communication, expert guidance, and a commitment to finding the best mortgage solution for your unique needs.