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Loan Programs

Homeownership can be an exciting milestone, but we understand that the financing process can feel overwhelming. Along your homeownership journey, you may need a loan for several important reasons.

Whether it’s purchasing a new home, refinancing, bill consolidation, remodeling, and more – at Heritage Financial Corp. we have a variety of residential loans and mortgage options for all of life’s twists and turns. Our team will simplify the process and will be your partner to help you at every step of the way. When you work with our team of mortgage experts, you’ll know you’ve made the right move.

Loan Program


  • Best option for low down payment

  • Fixed or adjustable rate

  • Min credit score 580

Image by Kam Idris

Loan Program


  • For loan amounts exceeding FHFA limits

  • Fixed or adjustable rate

  • Lower down payment required

Image by Kenny Eliason

Loan Program


  • 10-, 15-, and 30-year options

  • Fixed or adjustable Rate

  • HomeReady or HomePossible is available

Home Interior

Loan Program


  • No down payment or PMI

  • Lower rates and closing costs

  • Flexible refinancing


Loan Program


  • FHA 203K

  • Home-style renovation loan (conventional option)


Contact Us Today!

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