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Home equity line of credit	Loan Process Home Equity Loans Credit Score Conforming Loans Loans that adhere to the guidelines set forth by Fannie Mae (from FNMA: Federal National Mortgage Association) and Freddie Mac read more FHA Loans The Federal Housing Administration (FHA) does not make the loans; it provides mortgage insurance which protects the lender. read more Reverse Mortgage A reverse mortgage is designed to help elderly home owners benefit from their equity without having to sell their house or make payments. read more Heritage Financial, Inc. is an Equal Housing Lender
HELOC Need extra cash for remodeling, education or other expenses? Are you paying high interest rates on credit cards? If you answered yes to the above questions, you may be able to use your home's equity to get more out of life. A home equity line of credit (HELOC) is similar to a home equity loan, except that the funding can happen over a period of time. HELOCs contain very attractive options, so you can fit your payments to your budget. Many of our programs offer No Closing Cost!