- Easy online application and Client Portal for fast approvals
- Expert guidance to reduce the stress of buying or refinancing
- Flexible mortgage options with low down, and affordable monthly payments
Be the Hero of your own story and get started today!
Heritage Home Loans – We want YOU to be the Hero of your home buying story!
Unleash the Power of Your Home's Equity with a Cash-Out Refinance!
Use your hard-earned equity to:
- Lower your monthly expenses and consolidate high interest debt
- Do some much needed home improvements or additions
- Use as a Down Payment on a Second Home or Investment Property
Special Offer: Get $1000 Lender Credit on your next refinance, if your loan closes before March 1st, 2024!
THE DIFFERENCE IS IN THE NUMBERS.
2000+
New Homeowners Made
30+
Years of Experience
$5 Billion+
Total Closed Volume
4.85
Average Customer Rating
Mortgage Advice & Tips
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Understanding Mortgage Rates: Your Guide to Home Loan Rates
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Frequently Asked Questions?
How do I get pre-approved for a home loan?
Let’s help you get pre-approved, it’s never been easier! Fill out our quick, award-winning application now and we’ll guide you through the rest of the process towards your pre-approval, and get you out looking for your dream home! Apply Now!
How can I find out how much home I qualify for?
Use our online tool for prequalification and connect with a loan officer. Understand your borrowing capacity before house hunting. Further, your loan officer can verify your assets, income, and assist in obtaining a formal credit approval before you make an offer.
What are mortgage points?
Mortgage points, or discount points, are a one-time fee for a lower interest rate. One point equals 1% of your loan amount and can reduce your rate by 0.125% to 0.25%. Be aware, lenders’ fees vary; they might waive or add fees, altering total mortgage costs.
What’s an APR?
APR, or Annual Percentage Rate, represents the total cost of borrowing, including the interest rate and additional costs such as origination fees or points. It provides a comprehensive view of the loan’s cost annually, helping compare different loan offers.
Can I still get a mortgage if I have bad credit or have filed bankruptcy?
Yes, it’s possible to get a mortgage with bad credit or post-bankruptcy, although it might be more challenging. Some lenders specialize in ‘bad credit’ mortgages. Additionally, FHA loans are designed for those with lower credit scores. Consult with our experts for personalized advice.
I just got a new job. How does this impact getting a mortgage?
A new job can impact mortgage approval, as lenders prefer stable employment history. However, if the job is in the same field and has a higher income, it could be positive. Every situation is unique, so we recommend discussing your specific circumstances with our loan officers.
What are closing costs?
Closing costs are fees and expenses paid at the end of a real estate transaction. They may include loan origination fees, appraisal fees, title searches, title insurance, surveys, taxes, and credit report charges. Typically, they range from 2-5% of the purchase price.
What is mortgage insurance?
Mortgage insurance is a policy that protects lenders against losses if a homeowner defaults on their mortgage. It’s typically required for home loans with a down payment less than 20% of the property price, to offset the risk taken by the lender.