Founded in 1999, 1st American Mortgage offers a wide range of loan programs to buyers and sellers of real estate throughout Virginia. It offers fixed- and adjustable-rate mortgages, first-time buyer programs, balloon mortgages, stated income programs, home equity line of credit, imperfect credit programs, and home equity fixed loans. Its low-rate purchase program features federal housing administration and veteran's affair loans, interest-only loan programs, adjustable-rate loans, purchase money lines of credit and loans without mortgage insurance. The company also offers different types of calculators for mortgage qualification, mortgage payment, refinance, debt consolidation and monthly payment. Headquartered in Fairfax, Va., 1st American Mortgage also has offices in Charlottesville and Richmond, Va.; Bethesda and Gaithersburg, Md.; State College, Pa.; and North Miami, Fla.