Mortgages Whether you are in the market to buy a new home or refinance your existing residence to take advantage of lower rates, Heritage Family Credit Union has the right mortgage to fit your needs. Mortgages are available in a variety of terms including 10, 15, 20, 25 and 30 years. Mortgage rates are subject to change daily. The rate you receive depends on a number of factors including loan amount, term and type of property.

Meet the Real Estate Lenders

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Adjustable Rate Mortgage (ARM)

You elect to have a lower beginning rate, then the rate adjusts at specified intervals over the course of the loan. There are usually limits to the percentage of change for any given period.

Fixed Rate Mortgage

You pay the same rate over the entire life of the loan.
We offer mortgages on the following types of properties:
• Purchase - Principal residence 
• Refinance - Principal residence
• Construction Loans 
• Second Home purchase 
• Investment Property (up to 4 units) 
• Jumbo Loans (loans over $484,350)

Construction Loans

Heritage Family Credit Union is the place to go if you are planning on building. Offering a great rate with flexible construction periods, the credit union gives you the resources and flexibility you need.
Mortgage loans are subject to a variety of fees including but not limited to appraisal, credit report, recording and legal fees. Members are given a loan estimate of closing costs within 3 days of submitting a mortgage application.
Whatever your financial needs, day or night, you have access to your account information to help you meet your demanding lifestyle. From our branches, apps and call center we are here in Vermont and New Hampshire to serve you wherever you are.
Emerald VISA
Emerald VISA cards give you the purchasing power you need when you need it. The credit union offers several great Emerald choices for you and your business. Our Emerald VISA cards offers members Choice Rewards, a program specially designed to reward members for their VISA usage.