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Heritage Bank Mortgages

Looking to purchase a home? Let Heritage Bank help you! We have a wide selection of options for financing, including a Downpayment Assistance program.  With local processing and decision making, and competitive interest rates and closing costs, we look forward to assisting you.  Contact Tom Schirmann at 859-534-0850, t.schirmann@heritagebank-ky.com, or Greg Kirst at 859-534-0862, g.kirst@heritagebank-ky.com.

Heritage Bank mortgage loan options include:

  • portfolio
  • conventional
  • construction
  • lot
  • FHA, VA and Rural (USDA)* **

 

Loan Type

Key Features

Fixed Rate Mortgage

You want predictable and steady monthly mortgage principal and interest payments for the length of the loan.

Adjustable Rate Mortgage

You want flexibility and would consider a variable interest rate.

Jumbo Loan

You need to borrow amounts in excess of the conforming loan amounts allowed by FNMA and FHLMC.

FHA Loan

You want to purchase a home with a low downpayment or require a loan with flexible guidelines.**

VA Loan

You are a veteran looking to purchase a home.* **

Construction or Lot Loan

You are building a home.

Investment Real Estate Loan

You are interested in purchasing a non-owner real estate for investment purposes.

Multi Family Real Estate Loan

You want to purchase a 1-4 family home or apartment building.

Welcome Home Program

You want to apply for the limited time only grant of $5,000. The grant is available to a qualified borrower for downpayment and/or closing costs.  Limited availability.

*VA loans require a VA certificate of eligibility. 

**Heritage Bank is not acting on behalf of, or at the direction of, the VA, FHA, USDA or the Federal Government.