Mortgages


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.

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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)

First Time Home Buyer

With downpayments for First Time home buyers as low as 3%* and historically low interest rates, now is the time to purchase your first home! Contact any of our Mortgage Originators who can explain how our loans work and which options might be best for you. 

 

* Available to qualified first-time homebuyers for a low down payment of just 3% with no geographic or income limits. Freddie Mac HomeOne Requirements: Must be an owner-occupied property - Includes 1-unit single-family residences, condos and townhouses. Must be a purchase transaction or rate and term refinance (no cash out). At least one borrower must be a first-time home buyer. Max loan-to-value ratio (LTV) of 97%. Must be a fixed-rate mortgage. At least one borrower must have a usable credit score. Homebuyer education required for purchase transactions when all borrowers are first-time homebuyers. All loans subject to approval. Rates, terms, and conditions are subject to change. Ask us for details.

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.
Locations
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.
VISA Cards
Our VISA cards give the purchasing power you need. We offer several great Emerald card choices for you and your business.