Mortgage Loans
Buying a home is one of the biggest decisions you’ll make. So Members Heritage is here to guide you step-by-step through the process. Whether you’re purchasing or refinancing a home, we are committed to providing you with the best service while making the home financing process as easy and hassle-free as possible.
Choose from a variety of loan options to fit your needs, like our Conventional, VA, or FHA mortgages. And with rates as low and terms as good as ours, you can buy your dream home and still have money left in your budget.
Members Heritage Mortgage Loan Benefits
Competitive Interest Rates
Flexible Loan Terms Of 10, 15, 20 and 30-years
Fixed and Adjustable Rate Mortgages Available
Home Insurance Plans Available
No Prepayment Penalty
Available in Most States
Our Quick and Easy Mortgage Loan Application Process
| STEP1 |
Apply OnlineThe application takes less than 20 minutes. |
| STEP2 |
Sign Your LoanAgree to the loan amount, rates, and terms. |
| STEP3 |
We’ll Do The RestWe’ll provide a check to the seller. |
Been with MHCU for 35 years, since it was known as the IBM Employees Federal Credit Union. No reason to bank elsewhere, they have serviced all my share account and loan needs; on my 4th home mortgage with them. Only fees I've ever paid is for a cashier's check or a 1st mortgage. It's basically free banking!
W.B.
We have used Members Heritage for our business and personal banking for 30 years. Lowest interest rate on loans and personable customer service!
Shawn K.
Members heritage is awesome!! They helped me when nobody else would! I will always do my business with them. They truly are for the people and help in every way possible!! I recommend this place to everyone! Go and become a member. I want everyone to experience the joy and happiness they give you!! Everyone there is awesome!!
Bradley C.
Other Borrowing Options
In addition to our rewards card, we have a variety of loan offerings. Here are just a few other loans that could meet your specific needs:
Mortgage & Home Equity Loans
We offer a variety of mortgage loan options, as well as home equity loans and lines of credit.
Signature & Secured Loans
Borrow and build credit with our Signature or Secured personal loans.
*APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act.
Set credit card rates will range from 9.75%-18.00% APR. Variable VISA credit card rates will range from 8.25-17.25%. Your rate may be higher based on your credit history.
Mortgage Loan Originator (MLO) Roster
| Last Name | First Name | MLO# | Last Name | First Name | MLO# |
| Blakeman | Sherri | 1257546 | Mullins | Pamela | 1010262 |
| Burke | Kelly | 375589 | Phillips | Janice | 616390 |
| Denham | Christina | 932706 | Ramsey | LaJuana | 638402 |
| Marshall | Taneceia | 616392 |
Members Heritage Credit Union
NMLS # 479401
Frequently Asked Mortgage Loan Questions
How much home can I qualify for?
To find out how much you can qualify for please contact a Member Heritage representative and we’ll be happy to assist you. Contact us today.
What are mortgage points?
Mortgage points are discount points that you can purchase as a way to reduce the interest rate on your loan. One point equals one percent of the loan amount.
What is the difference between APR and interest rate?
Both APR and the interest rate represent the cost of a loan to a borrower. However, the APR includes other fees and charges like mortgage insurance, closing costs, and discount points whereas the interest rate does not. This is why the APR is typically higher than the interest rate.
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