Mortgage Services

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.

  • Ideal option for borrowers with above average credit.
  • May require a down payment, however conventional loans generally offer lower interest rates and closing costs are often less than other mortgage options.
  • May be used for the purchase of a primary residence, second home or investment property.

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.

  • Benefits consumers with less than perfect credit scores.
  • Requires a smaller down payment than conventional loans.
  • Allows closing costs to be included in the loan in some cases.
  • Offers flexible qualification guidelines.

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.

  • Must be a military veteran to qualify.
  • Requires little to no down payment.
  • Offers competitive interest rates on new home purchases as well as home refinancing.

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.

  • May offer better terms than an FHA or conventional loan.
  • Offers lower rates with little to no down payment needed.
  • Can be used to purchase a new home or refinance to a lower rate.

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.

  • Offers financing options for up to 25 acres.
  • Build equity in your property, which may be considered when you are ready to finance your home.
Home Equity Lines

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.

  • Since you are borrowing against the value of your home, the amount of your loan will be determined by your homeís appraised value and the total you owe on your mortgage.
  • Accessing the funds is easy. You can write a check (First order of checks FREE) or use your Equity Management Mastercard®. The amount of the purchase is automatically deducted from your available balance.
  • There may be tax advantages, so consult your tax advisor.
Construction Loans

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.

  • Available for the construction of a new home or an addition to an existing home.
  • Post-construction mortgage options are available and should be discussed with your mortgage lender.
  • Contact or visit a HeritageBank of the South Mortgage Lender for more detailed information.
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