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Home Loan Types

We have home loans designed for you. 

Our mortgage process is simple. Whether you are relocating, building, refinancing, or remodeling, you can trust our team to take care of you. For up-to-date mortgage rates, contact a mortgage expert today. 

Conventional Mortgages
  • Both Fixed and Adjustable Rate Mortgages available
  • Financing available with a minimum of 3% down payment for qualified borrowers
  • Available on Condos / Townhomes, Pole Barn homes and Berm homes
  • Manufactured homes available with minimum 5% down payment
  • Second Homes considered with required 20% down payment
Zero Down – 100% Financing
  • Ideal for First Time Homebuyers
  • Both Fixed and Adjustable Rate Mortgages available
  • Purchase transactions only on Single Family residences or Condos
  • Minimum 680 credit score, up to 41% Debt to Income
  • 2 months reserves Principal and Interest payment required
  • 3% maximum seller contribution
  • Financing available with a minimum 5% down payment
  • Lot or land equity can be used toward down payment
  • 9 month construction period with flexible, local draw
  • One-Time close with fixed rate locked at beginning of application
  • Interest only payments during construction period
  • Licensed builder required
Lot / Land Loans
  • Financing available up to $150,000 with required 20% down payment
  • 1 year Adjustable Rate Mortgage
  • Heritage Federal partners with Servion Mortgage to offer government products
  • Buyer is assigned a Mortgage Loan Officer from both Heritage and Servion

Jumbo and Physician loan products available

Not sure what loan product is right for you? Our trusted team of mortgage experts are here to help. 

Connect with a Mortgage Expert   Apply Now

1Subject to credit approval. Property insurance required. All funds will be verified.

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