Home Loans
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
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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
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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
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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.
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