Mortgage Loans local decisions and local service.

Mortgage Loans

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.

Products

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.

Resources