Let’s Get You Home
Whether you’re looking to purchase a home for the first time or make upgrades to your current home, Heritage Financial Credit Union has you covered. We offer competitive rates on our mortgages, home equity loans, and lines of credit. However, we feel the truest value we can offer you is the time our team takes to learn about you. We strive to find what you are looking to achieve and your current situation, so we can offer you the best, most personal options available.
My Home Loan Funded, What’s Next?
We are so thankful that you chose HFCU for your home loan needs! In the loan process, you should have been informed that you will need to submit proof of insurance as a condition of your loan with us. To submit your insurance, check on your insurance status or view your insurance history, click the button below to be taken to our secure login page through MyLoanInsurance® to sign in using the Reference ID and PIN you were provided. No reference ID or PIN? Call us at 845.561.5607.
Mortgages FAQ
To apply for a loan with Heritage Financial Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange, Dutchess, Sullivan, Rockland, Pike, Sussex, or Ulster Counties, New York or have an immediate family member who is already a member of Heritage Financial Credit Union. You will be required to become a member prior to loan closing with a $0.01 initial deposit in a savings account. Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.
HFCU offers a variety of mortgage loans to best fit your needs. Please refer to the mortgage loans table for more information.
The rate for a mortgage varies depending on the type of mortgage. Please refer to the mortgage loans table for more information.
The APR for a mortgage varies depending on the type of mortgage. Please refer to the mortgage loans table for more information.
An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan. Less risk to the lender means more flexibility in guidelines, down payment requirements and most often lower rates.
A VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs (VA). The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses.
A 30-year fixed-rate mortgage is a popular program because it amortizes a mortgage loan over the longest period for lower payments. It’s also the best security against rising mortgage rates. If you’re staying in your home for 5 years or more, a 30-year fixed mortgage offers you the opportunity to keep payments consistent for the duration of the loan. Your monthly payment is based on your interest rate, your principal loan amount, and your actual interest amortized over 30 years.
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HELOC FAQ
To apply for a loan with Heritage Financial Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange, Dutchess, Sullivan, Pike, Sussex, or Ulster Counties, New York or have an immediate family member who is already a member of Heritage Financial Credit Union. You will be required to become a member prior to loan closing with a $0.01 initial deposit in a savings account. Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.
HFCU offers a variety of HELOC loans to best fit your situation. Please refer to the HELOC loans table for more information.
The terms for a HELOC vary depending on the type of loan, ranging from 5 years to 20 years. Please refer to the HELOC table for more information.
The APR for a HELOC varies depending on the type of loan. Please refer to the HELOC table for more information.
The fixed APR for a HELOC varies depending on the type of loan. Please refer to the HELOC table for more information.