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Real Estate
Whether you are financing a new home purchase, refinancing an existing mortgage, or evaluating your home equity loan options, we have a number of products to help you find the right fit!
- Fixed and Adjustable rates
- Flexible payment options
- Second mortgages for owner-occupied California properties*
- Home Equity Loans - up to 80% of equity
- Home Equity Line of Credit (HELOC) - up to 80% of equity
- Mortgage Calculator - to determine the financing for a mortgage that you potentially qualify for!
- Mortgage Service Center - View your HCCU mortgage online
*Second mortgages (fixed or HELOC) are not eligible if determined to be behind a negative-amortized 1st mortgage.
Take advantage of the Home Benefits Plus Real Estate Rebate program.
Receive a 25% rebate on real estate commissions when you buy or sell a home through the Home Benefits Plus program. Home Benefits Plus is a free program that can save you thousands of dollars as a home buyer and a seller.
Example One: You're buying a $300,000 home using a realtor referred to you by Home Benefits Plus. The commission would typically be $9,000 - you would receive a 25% rebate on the commission, therefore you would receive a rebate of $2,250.*
Example Two: Home Benefits Plus refers a realtor to you to handle the sale of your existing $250,000 home. The commission would typically be $7,500 - you would receive a 25% rebate on the commission, therefore you would receive a rebate of $1,875.
This means, using both these examples, you could receive a total savings of $4,125!
Note: Example based on brokerage commission of 3% of the buying or selling price.How the program works:
- Call Home Benefits Plus or use the program web site (see info below).
- Identify yourself as a Heritage Community Credit Union member.
- You will be personally contacted by one of our consultants who will refer you to a specially trained real estate agent.**
- When your transaction is complete, you will receive a 25% rebate on the selling or listing side of the real estate commissions.
It's that simple. To learn more, call (888) 603-9563 or use the program website.
*Rebates are subject to state law. The following states currently prohibit rebates: AK, ID, IA, KS, KY, LA, MS, NJ, OK, OR, TN, WV.**To take advantage of the program, you must call Home Benefits Plus before contacting an agent. No rebate is available if you call an agent directly.
