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Mortgage LoanConsumer Loan Application Personal Financial StatementAuto LoansContact Us
Home Loans
We offer options that many other lenders may not, such as loans for homes on farmland, manufactured homes, and lot loans. Contact us to discuss your specifics with one of our lenders!
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Home Loans
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Home Loans
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Terms
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Mortgage terms of up to 30 years with a wide range of options to meet your needs. Fixed and variable rate options available.
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Application Fees
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None
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Prepayment Penalties
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None
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Prequalified
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Get a prequalification at no charge, which is good for up to 90 days.
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Reserve Accounts
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An escrow reserve account may be required for payment of property taxes and insurance on collateral.
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Automatic Monthly Payments
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Make loan payments from your checking account with Heritage Bank & Trust Online, Mobile Banking or Bill Pay.
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Construction Loans
A construction loan from Heritage Bank & Trust takes your dream and makes it a reality! We have a history of working with customers and builders to make the process smooth and easy. Contact one of our lenders to get started and discuss the loan that is right for you.
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Construction Loans
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Construction Loans
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Terms
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Up to 12 months. Interest payable monthly based on the amount drawn. Mortgage loans with terms up to 30 years available upon completion of construction.
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Application Fees
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None
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Prepayment Penalties
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None
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Draws
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Paid quickly and interest is only charged on the amount drawn to date
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Prequalified
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Get a prequalification at no charge which is good for up to 90 days
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Local Loan Approval and Servicing
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Local decisions result in timely, personal and flexible solutions
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Home Equity Lines & Loans
If you own a first or second home and need money for home improvements, investments, or other large expenses, a Home Equity Loan or Home Equity Line of Credit could be right for you.
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Home Equity Lines & Loans
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Home Equity Line of Credit (HELOC)
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Home Equity Loan
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Terms
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Variable Rates with up to a 5-year draw period
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1 to 25 years
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Interest Rates
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Adjustable, based on New York Prime rate
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Fixed rate for up to 5 years. Variable rates (ARM's) also available.
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Loan Maximums
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Up to 80% of your home's combined Loan to Value
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Up to 80% of your home's combined Loan to Value
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Consumer & Auto Loans
Do you need to replace your family vehicle, purchase a boat or fund that special purchase? We can help!
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Personal & Auto Loans
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Personal
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Auto
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Boat, ATV,
or Equipment
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Term of Loan for purchase OR REFINANCE of collateral
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Rates and terms based on collateral and credit score
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Rates and terms based on year of vehicle and credit score
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Rates and terms based on collateral and credit score
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Rates
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Fixed
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Fixed
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Fixed
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Loan approval and payments
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Local decisions and payments made to Heritage Bank & Trust
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Local loan decision and payments made to Heritage Bank & Trust
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Local loan decision and payments made to Heritage Bank & Trust
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AUTOMATIC MONTHLY PAYMENTS
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Make your monthly loan payment from your Heritage Bank & Trust checking account via draft, Online, Mobile Banking or Bill Pay.
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View Your Credit Report
You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. Order all three reports at once, or order one report every four months. To order, go to annualcreditreport.com or call 1-877-322-8228.
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