Conventional
Industry-standard fixed and adjustable-rate mortgages with the best rate for qualified buyers. Learn more
Home Purchase
Buy with the right loan,
at the right rate.
From your first home to your forever home, Heritage Financial shops a network of wholesale lenders so you pay less and close faster.
Loan products
A loan for every kind of buyer.
FHA Loans
Lower credit requirements and down payments as low as 3.5%. Great for first-time buyers. Learn more
VA Loans
Zero down payment and no PMI for active service members and veterans. Learn more
Renovation & Construction
Buy and renovate in a single loan, or finance a ground-up build. Learn more
Jumbo Loans
For home prices above conventional limits — competitive jumbo rates from our lender network. Learn more
First-Time Buyer Programs
State, county, and lender-funded grants to bridge your down payment. Learn more
How it works
From application to keys, in four steps.
Step 1
Apply
Complete your online application — it takes about 15 minutes.
Step 2
Pre-Approval
We review your credit and finances, then issue a written pre-approval.
Step 3
Shop & Offer
Find your home and write a confident offer with a strong pre-approval letter.
Step 4
Close
We coordinate appraisal, underwriting, and closing — and hand you the keys.
Get pre-qualified today