Mortgage Loans local decisions and local service.

Mortgage Loans

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Our mortgage process is simple. You can apply for your mortgage online, electronically sign your disclosures and upload required documentation for your convenience!  Our local underwriting contributes to faster turn times to better serve you. We also service all of our mortgage loans. So, you can count on the same high level of member service from the beginning of your mortgage to the end.

We offer a variety of loan options to choose from, and we offer simple explanations of each program. Our loan officers are always just a phone call or email away to answer any questions.

Heritage Federal Credit Union NMLS# 423066.

Interested in a mortgage loan but unsure of the process? In this video,
we walk you through what to expect when applying for a mortgage loan at HFCU!

We value our customers who trust Heritage Federal Credit Union for their home financing. This can be an exciting time as you may be relocating, upgrading or building a new home. We have many satisfied members who have shared their experiences with our team. You can view their stories here at Zillow.


SAFE Act: Secure and Fair Enforcement for Mortgage Licensing Act of 2008

On July 28, 2010, the National Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The SAFE Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this unique identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO. For more information about the registry, please visit the NMLS website via the link below.