Mortgage
Stay local and discover the Heritage Bank & Trust difference, starting with loan decisions made right here in your community.
Home Loans
Take advantage of affordable loans for homes on farmland, manufactured homes and lot loans as well as conventional mortgage loans.
- Conventional 15- to 30-year fixed and adjustable-rate mortgages
- Federally backed FHA, USDA and VA home loans
- Competitive home loan rates
- No application fees
- No prepayment penalties
- Make loan payments with Online Banking, Mobile Banking or Bill Pay Online
Construction Loans
Build your dream home with a new home construction loan from Heritage Bank & Trust. Work with lenders who know the local builders. Get local decisions and more personal and flexible solutions.
- Competitive rates on construction loans for homes
- Competitive options for permanent mortgage financing after construction is complete
- Efficient loan closing
- Interest-only payments during construction phase
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 one report every four months.
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See How Much Mortgage You Might Qualify For
Mobile Banking
Manage your finances wherever, whenever. Use our mobile banking app to check balances, pay bills and more.
Personal Loan
Ready to replace a refrigerator you’ve had for a lifetime or take the trip of a lifetime? Consolidate bills or pay off credit cards?
Heritage Hub
Catch up on the local community news and the latest personal and business finance tips.
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