Home Loans | Heritage Family Credit Union

A family plays with boxes in their new home

Trust HFCU with the purchase of your home

Whether you are buying your first home or have been through the mortgage process several times before, HFCU has the tools and expertise to support you through your unique purchasing needs. From starting your family to your retirement home, we can work with you on finding the right loan product, benefits, and options for you, such as:

Flexible terms (Fixed-rate and ARM)
Up to 100% of the sales price financing is available for first-time homebuyers purchasing a primary residence
Up to 95% of the sales price is available for existing homeowners looking to purchase a new primary residence
No penalty for early payments
Portfolio of loan programs available

compare mortgage options check mortgage rates Apply now for a mortgage connect with a mortgage lender

Refinance your home loan

Refinancing your mortgage can be helpful if you want to use the money for home improvements, debt consolidation, or spending less monthly on your loan. Some benefits include:

Lower interest rates
Reduced monthly payments
Shorter loan term
Access to equity
Debt consolidation

check mortgage rates Apply now to refinance connect with a mortgage lender

A mother and child build some new shelves together

A home equity could be right for you

A home equity loan or line of credit could be right for you if you are looking for a versatile product that could put money in your pocket for a variety of uses, such as:

Debt consolidation
Home repairs
Medical bills
Alternative energy, renewable energy, or home energy
Educational expenses
Other needs

Additional benefits:

Competitive rates
Potential tax advantages
Borrow up to 100% of the available equity ¹

Learn more about home equity check home equity rates connect with a mortgage lender

A couple looks over plans to their new house

Build the home of your dreams

Let Heritage Family be your guide to the world of buying land and building construction loans. HFCU offers a great rate with flexible construction periods - the necessary resources and flexibility.

Learn more about Construction & Land loans check mortgage rates Apply now for a construction or land loan connect with a mortgage lender

Did You Know?

To borrow from HFCU, you will need to become a member/shareholder.

To become a shareholder, you must meet eligibility requirements and open a Primary Share Savings with a $25 initial deposit into the account, which serves as a member's share in the Credit Union.

Learn more about member eligibility view about member fees Apply to become a member

Disclosures

¹ Not all borrowers will qualify. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Equal Opportunity Lender.