Mortgages

Purchase the home of your dreams, or give your current home the facelift it needs.

Whether you’re a new homebuyer or looking to refinance your home, call American Heritage. As a credit union, we can offer rates and services you won’t find at conventional banks. American Heritage is a full-service mortgage provider, offering a comprehensive range of home financing and buying solutions:

Mortgage Loans

  • Fixed-Rate Mortgages with 15 to 30 Year term options
  • Adjustable Rate Mortgages with a variable of term options
  • Special Mortgage financing for $500,000 and higher loan amount, and a loan-to value ratio of no more than 60%
  • Free Pre-approval*

Reverse Mortgage Loans

  • If you are 62 or older, this is a great way to unlock the value in your best nest egg, your home
  • Let the equity in your home supplement retirement income
  • Free Pre-approval*

FHA & VA Mortgages

  • We offer special government programs for Veterans
  • Up to 100% with no down payment options for new homeowners
  • More flexible qualification guidelines than those for conventional loans
  • Free Pre-approval*

 

There are many options when it comes to mortgages and home ownership. We're here with offerings for whatever your situation might be:

 

First Time Home Buyer Loans

 

Jumbo Loans

  • Finance a mortgage amount greater than $453,100
  • Fixed interest rate and adjustable-rate options
  • Special options for Medical Professionals
  • Click here to get a rate quote

 

Adjustable Rate Programs (ARM)

  • Consider if you might refinance or pay off your home within ten years
  • With an ARM, you can extend purchasing power with a lower rate and lower initial payment

 

Not Ready to Apply? No problem, we are here to help!

 

You can easily apply online, or contact our Mortgage Concierge day or night at 800.808.2662 to learn more or apply.  Available weeknights from 8:00 AM to 7:00 PM, and weekends from 10:00 AM to 4:00 PM.  The home of your dreams is only a call or click away.

Convenient Mortgage & Real Estate Services

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Mortgage Pre-Approval

Get ahead for FREE!* Get the competitive edge you need in the home-buying market.

American Heritage Realty

Full-service Real Estate Firm. Work with our experts every step of the way. As a member, you can use our full-service realty and mortgage team to purchase and finance the home of your dreams!

Home Connection Program

Connecting you with the mortgage that best fits your budget and lifestyle. As a full-service mortgage provider, we offer a wide variety of home financing products and services.
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Take the next steps

Get FREE pre-approval for your mortgage and gain a competitive edge against other prospective buyers.

Mortgage Rates

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Term Interest Rate APR**
30 Year 4.375% 4.405%
30 Year Jumbo 4.250% 4.347%
15 Year 4.000% 4.052%
15 Year Jumbo 3.875% 4.044%
3/1 Year ARM 3.625% 4.533%
3/3 Year ARM 3.875% 5.342%
5/1 Year ARM 3.875% 4.473%
5/5 year ARM 4.125% 5.657%
30 Year FHA 4.500% 4.530%
15 Year FHA 4.500% 4.553%

Mortgage Loan Calculator

Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 740 for an owner-occupied home purchase, with a loan amount of $200,000 for all loans except Jumbo which is based on a $500,000 Loan amount, and a loan-to value ratio of no more than 60%. All loans are subject to individual credit approval and subject to change without notice. Please note that the rates posted are rate locks do not exceed 60 days. Pre-qualification is not a commitment to lend.

*All loans are subject to credit qualification, credit worthiness and other factors. All rates, promotions and offers are subject to change without notice.


**Annual Percentage Rate. Mortgages rates for investment properties are higher. Please Contact a Mortgage Representative at 215-969-2823 for the interest rates and fees for investment properties and for loans less than $50,000 or more than $453,100.


***While you are free to select your own real estate broker and mortgage lender for your real estate transaction, we offer our members a 10% Cash Reward off your American Heritage Realty agent's commission when you choose to work with one of our American Heritage Realty agents to buy a home. 10% Cash Reward may not be combined with any other special offer, discount or promotion. All offers are subject to change without prior notice. The Home Connection Program is offered in Pennsylvania, New Jersey and Delaware. If you also choose to sell your home with American Heritage Realty, an additional 10% Cash Reward is available off your American Heritage Realty agent's commission. All offers are subject to change without prior notice. Seller's Cash Reward is not available in the state of New Jersey.

SAFE Act

In compliance with stipulations required under the SAFE Act, American Heritage Federal Credit Union, AMHFCU, is hereby listing the unique identifier information, also known as the NMLS#, for AMHFCU below:

AMHFCU | #433838

Keep it in the family.

American Heritage Realty is a full-service real estate firm solely owned by American Heritage. Take that pre-approval stamp over to our trusted real-estate agents and find your home
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You've bought your home, now learn how to conquer the next stage–owning a home.

 

Important Disclaimers

¹If you qualify and your loan is approved, a HECM Reverse Mortgage must pay off your existing mortgage(s). With a HECM Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or defaults on taxes and insurance payments, or does not comply with loan terms. Call 215-969-0777 to learn more. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and were not approved by HUD or a government agency.

²Social Security benefits estimator available at www.ssa.gov/benefits/estimator.

³Loan proceeds are paid tax-free; consult your tax advisor.