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There are many factors to consider when purchasing a home such as your financial situation, short and long term goals, and how long you expect to stay in your home. Your HeritageBank mortgage lender helps you answer these and other questions to determine the best mortgage for you and your family.
Whether you are looking to finance your first home, retirement retreat or vacation property, your HeritageBank of the South mortgage lender shows you how a conventional loan can meet your finance needs.
Often, the most difficult part of purchasing a home is saving for the down payment. For first time home buyers, retirees and low to moderate income families, a Federal Housing Administration (FHA) loan greatly reduces the down payment giving you more buying power.
Designed for military veterans, a VA loan allows you to borrow a greater percentage of your new homeís value compared to conventional mortgages. VA loans also require little to no down payment, so you can begin the search for your home sooner than you may think.
You donít have to be a farmer to qualify for a United States Department of Agriculture home loan. If you are looking to purchase a home in a rural area, you may qualify for a USDA rural development home loan. Contact your HeritageBank of the South mortgage lender for a list of qualifying counties in your state.
When you find the perfect piece of property, your HeritageBank of the South mortgage lender helps you secure the site. So, when the time comes to build, youíll have a firm financial foundation.
Using the equity in your home is a smart way to get through all of lifeís stages. Whether you need to consolidate old debt, fund your childís education or plan a dream vacation for the two of you, a home equity line makes financing life easy and affordable.
Whether you are looking to build the home of your dreams or would like an addition to your existing home, a construction loan will let you realize your vision.