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Home Loans

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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

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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

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

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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

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

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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. 

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


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