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Checking Savings Loans

Personal Loans

When it comes to loans, one size doesn’t fit all. Whether you want to buy a new home, remodel your current home, finance a car or need money for an unexpected emergency, we’ll find a loan that meets your needs and fits your lifestyle.

Get the Personal Service You Deserve



We know loans can be confusing. Heritage Bank is here to help walk you through the process. Our loan professionals are easily accessible to answer your questions and provide sound advice.

Speed Up the Loan Process with Heritage Bank

At Heritage Bank, we have procedures in place to expedite the loan process when it is necessary to close a loan by particular date.

Pre-Approvals allow you to search for your home knowing you qualify for the mortgage

Nationwide Mortgage Licensing System Information

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Which loan is right for you?

Choosing the right loan is important to your long-term financial well-being. Heritage Bank offers a full range of loan options allowing us to customize loans to meet your individual needs

Mortgage Loans

The first step in purchasing a home is getting pre-approved. A Heritage Bank loan specialist will work with you to determine your price range and get you pre-approved for a mortgage loan.

Home Equity Loans

If you’re already a homeowner, you can leverage the equity in your home for vacations, education, remodeling, medical bills, and more. A home equity loan or line of credit typically offers you a lower interest rate than most personal loans or credit cards. With a loan, you can pay it back over a set time period, at a fixed interest rate. With a revolving line of credit, you can access funds at an adjustable interest rate, borrowing as you need to for the term of the loan. Interest on both a home equity loan and a line of credit may be tax deductible (Consult your tax advisor about your personal situation.).

Credit Builder Loans

If you have little or no credit history, talk to a Heritage Bank loan specialist about a credit builder loan. We may be able to help you establish or build your credit.

Student Loans

Paying for College can be stressful. Heritage Bank has partnered with College Ave Student Loans, a private student loan company, to provide financing options without the stress. College Ave offers undergraduate, graduate, parent, and refinance loans. Whether you’re a college student, college graduate or the parent of a college student, we’ll help you find the best loan with a 3- minute application, instant credit decision and no fees to apply.

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Installment Loans

Installment loans can be the ideal solution for debt consolidation, buying cars, or paying medical bills. These loans allow you to repay the funds you borrow over the specified period of time, with set monthly payments. If you have a certificate of deposit (CD) - even if it hasn’t matured - you may be able to use it as collateral. A Heritage Bank loan specialist can provide you with current interest rates.

Recreation Land Financing

If you’re ready to purchase that perfect piece of land to enjoy your outdoor hobbies, Heritage Bank can help.

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* All loans subject to credit approval.

** Contact a Heritage Bank mortgage lender for details and current interest rates for No-Fee Mortgage. Applicable to first mortgage loans only. Qualifying fees include non-recurring closing costs (third party fees): appraisal, credit report, tax service, flood determination, origination fees, title insurance, courier and recording. Costs that do not qualify include but are not limited to property taxes, interest, and all types of insurance.

*** Conforming Loan Payment Notice: Your payment will be processed the same day it is received if we receive it on a regular business processing day during regular business hours. All other payments received will be credited on the next regular business day. Regular business processing days are Monday-Friday. Saturdays, Sundays and federal holidays are not regular business processing days. Additional information about our Heritage Bank locations, regular business hours, addresses and phone numbers can be found on our website at www.heritage2u.com or by calling 877-698-3278.

Confused about which program to choose?

Ask a Heritage Bank loan specialist to help you find the best loan for you.

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* This Web site is for marketing purposes and is not designed as a substitute for full account disclosure of any product described in this Web site. Please contact Heritage Bank for more information.