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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

FHA

  • Best option for low down payment

  • Fixed or adjustable rate

  • Min credit score 580

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Loan Program

Jumbo

  • For loan amounts exceeding FHFA limits

  • Fixed or adjustable rate

  • Lower down payment required

Image by Kenny Eliason

Loan Program

Conventional

  • 10-, 15-, and 30-year options

  • Fixed or adjustable Rate

  • HomeReady or HomePossible is available

Home Interior

Loan Program

VA

  • No down payment or PMI

  • Lower rates and closing costs

  • Flexible refinancing

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Loan Program

Renovation

  • FHA 203K

  • Home-style renovation loan (conventional option)

Renovation
Home Interior

Loan Program

Non-Traditional Loans

  • 12 months and 24 months Bank Statements Program

  • Non-warrantable Condos

  • Delayed financing

  • DSCR

  • Profit and Loss only

  • 1099 only

  • VOE only

  • Daca ( Deposit Account Control Agreement)

  • Foreign National loans

Commercial Building

Loan Program

Commercial Loans

Imagine what your business could accomplish with the right financing. Whether it’s hiring employees, purchasing equipment, investing in newly constructed or renovated facilities, launching a marketing campaign, and more – all of this becomes possible with a commercial loan.

Heritage Financial Corp. can help you secure a commercial loan to expedite your business’ growth or simply get your business through a rough patch. With our experienced commercial lenders on your side, you can run your business your way. We offer a personal touch, competitive rates, and expert support to access the funds your business needs.

Contact Us Today!

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© 2023 by Heritage Financial Corp. | NMLS #137218

3478 John F. Kennedy Blvd, Jersey City, NJ 07307

All loans are subject to credit and property approval. 

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