Home Loans

Home Loans & Mortgages

Finding the perfect home is hard work; financing it shouldn't be. At Heritage Choice Credit Union, we offer competitive rates and personalized service to guide you through the home buying process, from pre-qualification to closing.

Fixed-Rate Mortgages

Lock in a consistent interest rate for the life of your loan. Our fixed-rate mortgages provide stability and predictability, making budgeting easier for 15, 20, or 30-year terms.

Adjustable-Rate Mortgages (ARMs)

If you plan to move or refinance in a few years, an ARM might be the right choice. Take advantage of lower initial interest rates and flexible terms designed to match your financial strategy.

Home Equity Loans & Lines of Credit

Put the value of your home to work for you. Whether you're renovating, paying for tuition, or consolidating debt, our Home Equity solutions offer low rates and potential tax benefits. Choose between a lump-sum loan or a flexible line of credit.