Heritage West Mortgage Loans help pave the way.

Our friendly, knowledgeable loan officers will be happy to explain every mortgage program we offer and to help you discover which fits your needs, budget, and lifestyle the best. Here on the site, you’ll find all of the tools that you need to explore all of your mortgage questions, but remember – our officers are always just a call or email away!

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Mortgages

Rates

MortgageRateAPRPoints
30 Year Fixed Rate4.500%4.596%0.500%
15 Year Fixed Rate3.500%3.700%0.750%

APR=Annual Percentage Rate. Rate subject to credit qualification at the time of application. Not all members will receive the lowest rate. Membership eligibility subject to verification. Normal underwriting guidelines apply. Some restrictions apply. 

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The Mortgage Process

We provide personal assistance.

You can call or email one of our mortgage professionals to answer any of your questions or to ask for advice at any stage of the mortgage process.

Close on your mortgage quickly.

We can get your mortgage approved in minutes—rather than days or weeks!

We offer fast pre-approvals.

Shop for your home knowing exactly what you can afford once you have your pre-approval. The process is fast and easy.

Get advice from qualified professionals.

We offer a variety of loan options to choose from, including fixed-rate mortgages and adjustable rate mortgages. If you're confused about which program to choose, let us guide you. Our qualified mortgage professionals offer easy-to-understand explanations of our programs. A loan officer is always just a call or an email away!

Discuss your reverse mortgage options.

Interested in a reverse mortgage? Contact one of our loan officers so that we can discuss the benefits of this unique mortgage today.

Important Documents to Complete Your Application

You will most likely need the following information to provide to your loan officer in order to complete Sections IV–VI of the mortgage loan application:

  • Paycheck stubs for the past 30 days.
  • W-2 forms for the past two years.
  • Information about long-term debts, like car loans, student loans, etc.
  • Recent statements from all of your bank accounts.
  • Tax returns for the past two years if you’re self-employed.
  • Proof of any supplemental income.

 

Enjoy the benefits of HeritageWest Credit Union membership today!

No matter where life takes you, HeritageWest is here to help. Because once you're a member, you're always a member.