Home Loans

We have a range of home financing products, customer service and expertise to help you meet your home purchase needs.

Conventional Mortgages

HeritageBank offers fixed or adjustable rate conventional mortgage loans for various terms or periods, for new home purchases and/or refinancing of existing loans.

• Bi-weekly payments are available and can help you save significantly in interest expense

FHA Loans

Federal Housing Authority (FHA) mortgages generally offer lower down payments plus flexible qualifying guidelines.

• 97% FHA financing
• Fixed or adjustable rate payment plans available

VA Loans

Mortgages guaranteed by the Veterans Administration.

• 100% VA financing
• Available to eligible veterans

First-Time Home Buyers Program

This program is designed to make the purchase of your first home easy and affordable.

• Offers a low minimal or no down payment
• An educational home purchase program is included to guide first-time home buyers through the process of purchasing a home
• Participating Lender in the Dream Program

Land Loans

Land loans provide financing for the purchase of property on which the borrower intends to build a primary residence or second home.

• Up to 80% land loan financing
• Financing available up to 25 acres

APPLY TODAY

Stop by one of our offices today to learn more about the mortgage options available to you. To ease the home buying process, pre-qualify by calling one of our mortgage experts at 229-878-2021 or 1-800-227-7989, ext. 2021. We'll help you find the program that works best for you to make sure the whole process runs quickly and smoothly.