Mortgages & Home Equity

Your house is more than just a set of walls and a roof. It's where your life happens every day. It's where memories are made, where you laugh and cry, where you live through the mundane as well as the extraordinary. It's your home.

At Heritage South Community Credit Union, we pride ourselves on helping when other's won't. Every day our mortgage officers go the extra mile to offer our members a variety of both in-house and secondary market loan programs. Our in-house mortgages offer flexibility and the security of knowing that your mortgage is held and serviced by your trusted lender.  A secondary market mortgage loan is originated through Heritage South but underwritten, funded, and serviced by a conventional mortgage company. This provides additional options and competitive rates and closing costs for our borrowers.

Heritage South also offers VA loans! VA mortgage and refinance loans are available to eligible veterans and can offer a number of advantages over traditional loans. Talk to one of our mortgage professionals to find out more.

Are you in the market for a new home? Being pre-approved is a great first step to begin your search. Talk to a mortgage loan representative today to see if you can be pre-approved.

Mortgage Application Process

Looking to apply for a mortgage? The process can be daunting, we know. Here is what you need to help us process your application in a timely manner:

  1. Current paystub from your employer

  2. Two years of W2's. If you are self-employed, we must have two years of tax returns.

  3. Any child support information

  4. Divorce Decree

  5. Two months of bank statements from your primary account

  6. For refinances only: copy of your homeowner's insurance information

  7. Application Fee of $50 payable to Heritage South to cover the cost of the credit report.

  8. Daytime phone number where you can be reached

Home Equity Lines of Credit

Need money for a renovation or upgrade to your home? Our home equity line-of-credit loans are secured by the equity in your home. Give us a call to see what you may qualify for (with approved credit); then spend the money whenever a need comes up.  In some instances, rates may be as low as prime.

Have more questions or ready to move forward? You can apply for a HELOC online or speak to our home loan experts for assistance.