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Let Us Help You Buy Your Dream Home
At Heritage Community Credit Union, our goal is to make our members’ financial dreams come true. Since one of the biggest milestones in life is buying a home, we’ve designed our mortgage loans to be affordable, flexible, and easy to obtain.
- Low Rates: We offer competitively low rates for both home purchases and refinances
- Free Pre-Approval: Get pre-approved for free so you can have more money to spend on your new home
- Personalized Service: Our representatives will give you attentive service from start to finish
Why wait to fulfill your dreams? Let’s get started today!
Apply Now
Details About Our Mortgage Loans
We offer a variety of loan types, but they all have these features in common:
- Low interest rates
- Fixed-rate, adjustable-rate, and jumbo mortgages available
- Financing up to 97% LTV1
- Budget-friendly repayment terms
FHA, VA, & USDA Loans
It can be tough to afford a home these days, but these government-sponsored mortgages help families attain the American dream of buying a home.
FHA Loans
Backed by the Federal Housing Administration (FHA), these loans are perfect for first-time home buyers, anyone with little to no credit, or those with credit issues. FHA loans feature:
- Lower closing costs
- No income limits
- Competitive rates
- Less strict approval criteria
VA Loans
Created by the U.S. Department of Veteran Affairs, VA loans are meant to help our country’s veterans obtain affordable home loans. VA loans feature:
- Competitive rates
- Flexible underwriting
- No income limits
- 100% financing
- No minimum investment for qualified loans
USDA Loans
Backed by the U.S. Department of Agriculture, these loans are constructed to help eligible families living in rural parts of the country realize the dream of home ownership.
- No down payment requirements
- Flexible underwriting
- Lower rates
- Less strict approval criteria
Not a member yet? Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible to join. Also, any California resident can become eligible by joining the Financial Fitness Association, which you can select during our online application process. Read more about how to join HCCU.
Apply Now
Visit a Branch
Visit our Calculators page for helpful tools as you explore how much home you can afford, amortization, prepayment savings, and much more.
If you have any questions about loans and/or financing just reach out to us at [email protected] or by calling 916.364.1700.
Meet Walter Nazario - HCCU's Mortgage Lending Consultant
With more than 25 years of experience in the mortgage lending industry, Walter brings a wealth of knowledge, expertise, and professionalism to his role as a Mortgage Lending Consultant at HCCU. Committed to delivering an exceptional service experience, he provides members with the information they need to confidently understand their loan options while guiding them to a solution that meets their goals.
Beyond his professional role, Walt enjoys deep sea fishing, gardening, and spending time with his family.
916-212-9375
[email protected]
NMLS ID 234514
FAQs About Credit Union Mortgage Loans in Sacramento
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What is a mortgage?
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A mortgage is a loan you use to purchase a home. It’s a legal agreement between you and the mortgage lender whereby you borrow the money and agree to pay it back in full (including interest) within a specific period of time, usually 15-30 years.
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Do I need to be a member of HCCU to apply for a mortgage loan?
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Yes. Check out our eligibility requirements to see if you qualify.
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What is a fixed-rate mortgage?
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This is a home loan that offers a fixed, single interest rate for the entire length of the loan.
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What is an adjustable-rate mortgage?
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Unlike a fixed rate, an adjustable rate home loan’s interest rate will fluctuate (or “adjust”) during the loan term.
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How long does it take to close on a mortgage?
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From submitting your application to signing the final mortgage documents takes approximately 4 to 6 weeks.
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Other Personal & Home Loan Options
HCCU offers other products that can help you improve your lifestyle or your home itself.
Personal Lines of Credit
With credit limits up to $10,000, HCCU’s personal lines of credit can be used for a variety of purposes like family vacations, medical expenses, and home improvement projects.
Learn More
Home Equity Loans
Take out one of our home equity loans to fund everything from minor upgrades to large renovations.
Learn More
Credit Cards
With great rates and features, one of our three credit cards is sure to suit your spending habits and lifestyle.
Learn More
1Financing up to 97% LTV is available for loan amounts up to $647,200. All loans exceeding 80% LTV will require Private Mortgage Insurance. Subject to credit approval and property valuation. APR, terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to owner-occupied one-to-four family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply.
