Home Mortgage Loans | Heritage Family Credit Union

LET US FIND THE MORTGAGE OPTION THAT’S RIGHT FOR YOU

A family sits on the porch of their new house

When you're ready to make the move, we're here to help

Our mortgage lenders recognize that the ideal home and mortgage solution are not one-size-fits-all. They understand that making the right mortgage choice heavily depends on your unique financial goals, risk tolerance, and housing plans. Explore how our diverse mortgage purchase options are designed to offer you a variety of financing choices tailored to meet your specific real estate needs.

Connect with a Mortgage lender today

FIXED-RATE MORTGAGE

Predictable rate and monthly payments over the life of your loan.
Term: 10, 15, 20, or 30 years, based on your budget.
Purchase/refinance your primary or second home, or invest in a 1-4 family property.

Apply for a Fixed-Rate Mortgage

ADJUSTABLE-RATE MORTGAGE (ARM)

Fixed for an initial period and adjusts annually after that.
The rate does not increase more than 2% each year and does not increase more than 6% total over the life of the term.
Purchase or refinance primary and second homes and investment property.
Suitable to individuals looking to capitalize on a change in economic conditions, if interest rates decrease or remain stable, the borrower might experience lower overall payments than fixed-rate mortgages.

Apply for an Adjustable-Rate Mortgage

A realtor hands a fire-time home buyer keys

We're here to help first-time homebuyers

Are you excited to start the path to homeownership but not quite sure where to begin? We can help! We have tools and resources to help first-time homebuyers - from the VHFA loan program to first-time homebuyers' grant programs, to help gather all the paperwork and documents needed to apply; our staff is happy to support you through the home-buying process.

Apply Now Learn more about the VHFA program THE Mortgage Road Map

USDA Purchase Program

This program is designed for buyers in low-to-moderate income households. Buyers can finance 100% of the purchase price, making homeownership more attainable. This 30-year fixed-rate mortgage provides financing for the:

Purchase of a primary residence
In an eligible rural area
That can be outside of Vermont

Other qualifying factors may apply. Talk to a mortgage expert today to understand if the USDA program can help get you home.

CONNECT WITH A MORTGAGE EXPERT

A couple looks at their new home being built

Construction & Land Loans

Embarking on the exciting journey to home ownership can be challenging. Whether your goal begins with land acquisition or starts with the building process, our tailored construction and land loans are here to ease unforeseen expenses and interest rate fluctuations, ensuring a seamless transition every step of the way.

Apply for a Construction or Land Loan

Helpful Resources

RATE SEARCH TOOL

Enter your purchase information in our handy tool for an estimated rate, fees, and monthly payment. Sign up for Rate Watch to keep up to date as rates change.

use rate search tool

HOUSING COUNSELORS

Housing counselors nationwide offer guidance on home buying, renting, the forbearance process, and credit issues. Explore approved local agencies in your area by visiting the Consumer Financial Protection Bureau.

Visit CFPB

APPLICATION CHECKLIST

A convenient, comprehensive, list that includes what you can expect during the loan process and the required information you should have on hand before beginning your application.

View Checklist