Loan Services

At Heritage Community Bank, personal service means not only a smile and a friendly handshake when you apply for a loan, but satisfying your personal loan needs. When you need money for that new car, home repair or improvement, a college education for your child, or just a great vacation, we are here to help you meet that need.
PERSONAL LOANS

A Heritage Community Bank personal loan can help purchase a new vehicle, boat, camper, or any item with collateral value. With our quick decisions, competitive rates, and excellent customer service, we are ready to help you finance your needs whether it's brand new or just new to you.
REAL ESTATE LOANS

At Heritage Community Bank, we want to help you find a mortgage loan that’s a perfect fit for you and your family. Purchasing, constructing, refinancing, or renovating your home is a huge undertaking and our goal is to make the process as easy and simple as possible. Our mortgage experts will work with you to find the best loan that fits your needs.
Second Mortgage loans:

for home improvement, college tuition, or any other need you may have.

Fixed rates with flexible terms and payment dates
Allows you to borrow up to 100% equity
Tax deductible interest*

* Consult your tax advisor.
Fixed Rate Mortgages

Long term fixed rate mortgage in which the interest rate and payments remain constant for the term of the loan. These loans are sold to secondary market.
Adjustable Rate Mortgages

Loans that are tied to the U. S. Treasury Bill rates.
Construction Loans

Loans for the construction of a new home or an extensive remodeling project that will result in a refinance of the original loan. After the construction period, this loan must be converted to a long term fixed rate mortgage or an “in house” mortgage.
Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) can be a huge savings advantage for your loan needs. This type of loan provides large amounts of cash at low interest rates. A HELOC is secured by a mortgage or deed of trust on your personal property.

Access to your money is as convenient as writing a check or transferring funds to your account. These purchases can be for home improvement, major purchases, educational costs, paying off high interest credit cards, or an automobile purchase.

Advantages:

Re-usable credit
Lower closing costs
Faster processing time from application to close
Extremely flexible
Prime rate is fairly stable
Tax deductible interest *
Maximum property value of $200,000
Total loan value equal to or less than 80%