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
Competitive Interest Rates
Flexible Loan Terms Of 10, 15, 20 and 30-years
Flexible Loan Terms Of 10, 15, 20 and 30-years
Fixed and Adjustable Rate Mortgages Available
Fixed and Adjustable Rate Mortgages Available
Home Insurance Plans Available
Home Insurance Plans Available
No Prepayment Penalty
No Prepayment Penalty
Available in Most States
Available in Most States

Our Quick and Easy Mortgage Loan Application Process



Apply Online

The application takes less than 20 minutes.


Sign Your Loan

Agree to the loan amount, rates, and terms.


We’ll Do The Rest

We’ll provide a check to the seller.


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.


Signature Loan

Fixed-rate loans are available exclusively to Members Heritage members.


*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

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.

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.

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.