We finance both new and used cars. The length of the loan can be from 12-72 months. You can obtain pre-approval so you are better equipped to purchase before entering into an agreement.

When financing your new boat, RV or Motor Home, it is best to contact our Lending Department so we can review all your options. There are different terms and rates depending on how much you are financing and the length of time.

We offer unsecured personal loans anywhere from 12-60 months. Sometimes there are unforeseen circumstances when you are in need of a personal loan.

And when the time comes to finance yours or your child’s education, we also offer Education loans.

All our rates are competitive. You can take advantage of automatic payments, our 10 second Lending Center and personalized service from our Lending Representatives. We will work within your budget and help match the loan

Real Estate Products

1st Mortgages

Our mortgages offer a variety of terms and rates depending on how you would like to structure your finances. Whether you are just starting out and would like a 30-year fixed mortgage, or you want to shorten the length of your mortgage to a 15 year or 20 year term, we can help. We also offer Adjustable Rate Mortgages. An experienced Lending Representative can help figure out the mortgage that best suits you and your family.

American Dream Mortgage

Many first time home buyers experience trouble gathering extra cash up-front to secure financing when opportunity knocks. Now, through our American Dream Mortgage Program, you can realize your dream with a low fixed interest rate, low closing cost mortgage. Finance up to 97% (as low as 3% down) and borrow up to 40 years. No application fee, free pre-approval, and no Private Mortgage Insurance (PMI) required. Quick closing within 30 days, guaranteed (when all requirements of loan are satisfied by closing). Gifts of cash and/or equity accepted toward down payment. Discounted homeowners insurance available. Contact a loan officer at 1-800-325-8428 anytime, to ask questions or to apply for a pre-approval. We are here to assist you.
Back to Top

2nd Mortgage

Second mortgages are available to those who want a home equity line of credit at a fixed rate, a pre-determined amount of money, for a certain amount of time. The rates once again, are very competitive. You can apply for a second mortgage for a vacation home, bill consolidation program, to help finance an education, or wedding.

Our second mortgages have no application fees or closing costs.

Home Equity Line of Credit

The Home Equity Line of Credit is a very popular product. It is easy to apply and your line of credit will be activated once your paperwork is completed and approved. It can be considered a loan reserve ready when you are. Again, life often presents events that we are not prepared for financially. A Home Equity Line of Credit is a reserved amount of money that you pay once you access your line of credit. Payments are adjusted monthly according to the prime rate. The cap for this loan is 18%. Home Equity Lines of Credit provide peace of mind and financial security when you may need it most.

VA Loan

NationsHeritage Federal Credit Union is now participating in the VA Home Loan Program. In order to apply for a VA Home Loan, you must be an eligible veteran who has available home loan entitlement. A Certificate of Eligibility from the VA must be available to NHFCU, either through the VA website, or presented by the veteran. To see if you are eligible to apply for a VA Home Loan, please click on http://www.homeloans.va.gov/elig2.htm

To view the VA Guaranteed Home Loans for Veterans pamphlet, please click on http://homeloans.va.gov/pdf/vap26-4.pdf

Reverse Mortgage

The investment you made in your home can now give you extra tax-free funds on a monthly basis. Instead of making a house payment every month, a Reverse Mortgage pays you every month. This is your money (your home equity), and the Reverse Mortgage is simply a great and safe way for you to access this money. To qualify, you must be 62 years of age or older, own your home and have equity in your home. For more information, please call 1-800-325-8428 x152.

Contact a Loan Officer

We, at NHFCU, know that the purchase of Real Estate may be the most important and largest purchase you will make in your lifetime. As your financial partner, we want to support that purchasing decision, help you find a loan that fits your lifestyle and budget. Contact a loan officer at 1-800-325-8428 anytime, to ask questions or to apply for a pre-approval. We are here to assist you.

If you have questions about any of our loan products contact a loan officer.