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Real Estate Loans

The American Dream...Powered by Your Partners at HEFCU

We offer a full range of real estate loans combined with a wealth of experience and easy online tools to help guide you through the process.  Whether you're looking to purchase your first home, upgrade for a growing family, or want to tap into your current home's equity; we have the loan you need with the experience you deserve.

Buying a home is an exciting milestone, and may be the biggest purchase you make in your life. That’s why we’re invested in providing you with personalized service and expert guidance, every step of the way.  

  • Purchase or Refinance
  • Conventional, Jumbo, VA and FHA Loans available
  • Low rates and flexible terms
  • Fixed and Adjustable Rate loan options
  • Buy a home using the HomeAdvantage Program and receive a cash reward at closing. The average cash reward paid to members using the program is $1,600!

Mortgage Center     Apply Online

Visit our Mortgage Center to learn about the home buying and mortgage process, calculators to determine how much you can afford, compare loan options and today's rates and apply for pre-approval.

Home Advantage Program

As a member of HEFCU, you have access to the HomeAdvantage® program; providing you with all the tools you need to find and close on the home of your dreams.

  • Find the right Agent - Search through our network of top, local real estate professionals to find one that is right for you.
  • Find your perfect home - Search for the home of your dreams. Save your search and get email alerts when new properties are available.
  • Earn cash rewards - Use one of our agents to buy or sell your home, and save $100's to $1,000's in Cash Rewards* when you close.

Learn More

*HomeAdvantage is available to you through your credit union membership. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using the credit union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. The credit union may have specific rules on how Cash Rewards will be paid. Cash Rewards are void where prohibited by law or the lender. Please consult with your credit union for details that may affect you.

Tapping into the equity in your home can be an advantageous way to obtain funds for a large expense; such has home renovations, debt consolidation or medical expenses.  In addition, interest paid on your loan may be tax deductible (please consult your tax advisor).

We have three Home Equity options to meet a variety of needs. Home Equity Loans are available for owner-occupied residences in New Jersey or Pennsylvania and have no pre-payment penalty*. Plus, there are NO application fees or closing costs for loans of $25,000 or more.

View Rates     Apply Online

Traditional Home Equity Loan

  • Borrow up to 100% of your home’s equity (market value less mortgage balance), up to $500,000
  • Fixed rate with terms from 5 to 20 years available
  • 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
  • Member’s Choice Credit Disability and Credit Life Insurance available

Home Equity Balloon Loan

  • Low, fixed rate for the first five (5) years based on a 20-year amortization
  • After five years, refinance at current loan rates 
  • Borrow up to 80% of your home’s equity (market value less mortgage balance), up to $500,000
  • 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
  • Member’s Choice Credit Disability and Credit Life Insurance available

Home Equity First Lien Loan

  •  Pay off your existing mortgage from another lender through this Express Refinance Home Equity Loan
  • Borrow up to 70% of your home’s equity (market value less mortgage balance), up to $500,000
  • Fixed-rate loan wtih terms from 5 to 15 years available
  • 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
  • Member’s Choice Credit Disability and Credit Life Insurance available

Apply Online

*A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit.

A Home Equity Line of Credit (also known as a HELOC) is a great way to ensure you have cash on hand, if and when the need arises.  You can borrow against your available line of credit as needed, and only pay interest on the balance you have withdrawn.

Because you're borrowing against the equity in your home, it offers rates much lower than traditional revolving lines of credit, but with the same flexibility. Interest paid on your loan may also be tax deductible (please consult your tax advisor).

  • Borrow up to 80% of your home’s equity (market value less mortgage balance)
  • Credit Limits from $10,000 to $500,000 available, with a 15-year term
  • Draw funds from your line of credit as you need them during the first 5 years (known as the draw period)
  • Easily take an advance on your credit line by transferring within online or mobile banking, Call24 or by contacting the credit union.
  • Member’s Choice Credit Disability and Credit Life Insurance coverage available
  • NO application fees or closing costs for loans of $25,000 or more
  • NO prepayment penalty* 

View Rates     Apply Online

HELOC only available for owner-occupied residences in New Jersey or Pennsylvania.

*A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit.

Call our loan department at (800) 624-3312, option 3, for further details.

The Consumer Financial Protection Bureau (CFPB) also have resources available to homeowners.  Visit the CFPB site (new window/tab).

Mortgage Loan Originator:  Yi G Chen, NMLS# 2395997
Mortgage Loan Originator:  Alem Muslic, NMLS# 1042540
Mortgage Loan Originator:  Priyanka Sethi, NMLS# 2023056

Federal Institution Account #422958
NMLS Consumer Access Website:  www.nmlsconsumeraccess.com (new window/tab)

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