Close up of business people shaking hands

Home Loans

Whether you are buying a home, interested in refinancing or looking to tap into the equity in your home, we have the right home loan for you.

Where are you on your Home Buying Journey?

Why Choose First Heritage for your Home Buying Needs?

checklist icon illustration
coin icon illustration
star icon illustration
chat bubble icon illustration
Streamlined Application Process
Low Down Payment Options
Local Servicing
Expert Advice from Specially Trained Mortgage Consultants

Conventional Fixed Rate Mortgage

If you prefer knowing that your rate and payment won’t change or if you plan to stay in your home for a while, this may be the loan option for you. A fixed rate mortgage means the interest rate will stay the same for the entire term of your mortgage loan.

  • Loan terms available: 15 to 30 years
  • Minimum 5% down payment required
  • Discount Points are available upon request. Please contact us for more information.
ribbon icon illustration
Competitive rates starting as low as

5.63% APR*

Programs to fit your needs

We know there are other options when purchasing a home such as FHA, VA Loans, Adjustable Rate Mortgages, SONYMA Loans and USDA Loans to name a few. Cut through all the clutter and meet with an experienced mortgage lender so we can find the mortgage loan that best suits your needs.
ribbon icon illustration

*APR = Annual Percentage Rate. Approval subject to our credit granting terms and conditions. All rates and offerings subject to change or termination without notice. Not all borrowers will qualify for the lowest rate.  Property Insurance is required. 

Let's Build Your Dream Home Together.

When you’re ready to build, we’re ready to assist by providing financial support as part of your construction team. We offer a two-close construction loan. This means you have two loans working together offering more flexibility through the construction process.

During construction

It starts with a short term (maximum 12 month) interest only loan while the home is being built. We work on your contractor’s schedule and timeline to ensure a smooth process.

home icon illustration

After construction

After the home is completed, the construction loan is paid off and converted into standard conventional mortgage.

thumbs up icon illustration

Ready to refinance?  We are here to help!

Conventional Mortgage

Your needs may change, so can your mortgage!  Whether your are looking to take cash out, lower your payment or shorten your term we have the perfect option for you. 

  • Competitive low rates
  • Loan terms available: 15 to 30 years
  • Points are available upon request. Please contact us for more information.
Property Insurance Required
ribbon icon illustration

APR as low as 5.625 %

Time Saver Mortgage

If you are looking to payoff your mortgage sooner, our Time Saver option is perfect for you. Our Time Saver mortgage features a short term and low rate so you can pay off your mortgage faster.

  • No closing costs unless mortgage is discharged for any reason within three years of the loan date
  • 10 and 15 year terms available, no points
Property Insurance Required
ribbon icon illustration

APR as low as 6.49 %

Put your Home's Equity to Work! 

If you need financing for home improvements, school tuition, debt consolidation or any other reason, a Home Equity Loan is the perfect loan for you.  A Home Equity Loan is the difference between how much you own on your mortgage and how much your home is worth. We have different options available, so whether you need a lump sum or a line of credit, we have the loan that best fits your needs.

Home Equity Line of Credit

Thinking of making home repairs or upgrading your home with a remodel? These are just a few reasons why a HELOC (Home Equity Line of Credit) might be the best option for you. If you don’t want to receive the money you’re borrowing in one lump sum payment, consider opening a line of credit. With a HELOC you’ll be able to borrow money multiple times from your available maximum amount.

  • No closing costs+
  • 10 year draw period with a 15 year repayment period
  • Easy access to your funds by via online banking or by calling any branch
  • Interest may be tax deductible; please consult your tax professional for further information
0% APR Intro rate for 6 months
Property Insurance Required

Home Equity Loan

A fixed rate home equity loan is ideal if you need funding for a large purchase or renovation, and you want the peace of mind of knowing your payment won’t change. You’ll receive your home equity loan amount in one lump sum. Another benefit? The interest on your home equity loan may be tax deductible, much like your primary mortgage.

  • No closing costs+
  • Terms up to 15 years
  • Increased borrowing power for bigger projects
  • Interest may be tax deductible; please consult your tax professional for further information
Property Insurance Required
ribbon icon illustration

APR as low as 6.24%

* As low as 7.50 After 6 Mo. Ten year draw period. Floor 3% APR - Ceiling 15% APR. Variable rate loan. Property Insurance is required. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $400-$1,800. *APR = Annual Percentage Rate. Minimum amount to finance is $10,000. Approval subject to our credit granting terms and conditions. After introductory period rate will revert to a variable rate based on prime. APR is as low as prime minus .25%. Prime rate is as published in the Wall Street Journal. Maximum rate is 15% APR. Credit score will determine your rate. Not all borrowers will qualify for the lowest rate. Other rates and terms available. New money only. NMLS ID 460887.

Educational Resources:

A person holding keys above someone else's open hand in front of a door to a home
Buying a home
Congratulations! You’ve decided to purchase a home. Now it's time to prepare yourself to make the right decisions by learning about the process, the people who can assist you, and the associated costs.
Man and Woman standing outside a home contemplating
Should I refinance my mortgage?
it’s highly likely that the mortgage you took out when you first bought your home won’t remain the best deal for you. Thankfully, you don’t have to stick to the same mortgage if better options come along. Continue reading about Refinancing Your Mortgage...
Photo of the front facade of a home with shrubby
For a majority of people in the U.S., buying a home is a big part of the American Dream. But how many years would it take to save up the lump sum you’d need to pay for a house in full? Continue reading about Mortgages..

Hear it from our members

home icon illustration
"One great thing about working with First Heritage was that we knew so little but they were never afraid to help us through the whole process."

heart icon illustration
"The staff is phenomenal, they will do anything they can to help you...They made the purchase of my home seamless."