Buying a home is one of the biggest decisions you’ll make. Members Heritage is here to guide you step-by-step through the process. Whether you are purchasing or refinancing a home, we are committed to providing you with the best service, as well as making the home financing process as easy and hassle-free as possible.
We offer a variety of mortgage loan options:
- First Mortgages available in most states.
- Flexible terms available: 10, 15, 20, or 30 years.
- FHA loans, VA loans, and unimproved land loans also available.
- Adjustable rate mortgages (ARM’s) and fixed rates mortgages offered.
- Home insurance coverage plans available.
- No prepayment penalty.
apply for a first mortgage online
With every mortgage payment you make, you’re building equity in your home. Why not use it for the things you want with a Members Heritage Home Equity Loan. These loans are secured by the equity in your property.
PROMOTIONAL RATE AS LOW AS 2.75% APR*
- Fixed rate loan with terms up to 20 years.
- Closed-end, one time advance.
- Flexible payment terms available.
- Loan-to-value ratio up to 100%.
- No prepayment penalty.
- Interest paid may be tax deductible. (consult your tax adviser).
- Available in KY and IN, only.
- Go Green Discount Available
Please review the following documents below as you apply:
HELOC Booklet
Home Equity Fact Sheet
Members Insurance Flyer
Apply Online – Individual Applicant
Apply Online – Joint Applicants
Joint Applicants – HELP Infographic
*APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Minimum loan amount = $10,000. MHCU refinances require an additional $5,000 in new financing. Limited Time Offer. Excludes title insurance expenses, if applicable. Proof of homeowners insurance is due at closing. MHCU is an equal housing lender. Promotion is valid in Kentucky and Indiana, only.
Variable rate loan with a 7-year draw period (15-year repayment period).
- Specific credit limit set; checks provided for easy access.
- Minimum first time advance is $500; subsequent advances are $100 or more.
- Loan-to-value ratio up to 100%.
- No prepayment penalty.
- Interest paid may be tax deductible (consult your tax advisor)
- Available in KY and IN, only.
Please review the following documents below as you apply:
HELOC Booklet
Home Equity Fact Sheet
Members Insurance Flyer
Apply Online – Individual Applicant
Apply Online – Joint Applicants
Joint Applicants – HELP Infographic
You can email the completed application to HEprocess@mhcu.org
Contact the Lending Department at 800.359.3466 x 7374
*APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval.
