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.

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Partner with us to become a Homeowner!

Buying a Home

Are you a trying to buy your first home? We know getting your first home is one of the biggest steps you will take in your life. That's why we're here to help with our My CU Home Connection program! Homebuyers can receive up a $500 closing cost credit through American Heritage.  Click here to learn more.

You can easily apply for your loan online, or contact us at 215.969.0777 to learn more or apply and get pre-approved. After 5:00 pm on weekdays, and on weekends from 10:00 AM to 4:00 PM, you can contact our Mortgage Concierge group at 800.808.2662. Want to video conference a live expert from the comfort of your home? Use our Video Advisor service to connect with a rep from your computer or smart device. to Our mortgage experts are ready to answer your questions, provide a free pre-approval* for any home loan type, or help you apply!

Apply Today!

Mortgage Loans

  • Fixed-Rate Mortgages with 10 to 30 Year term options
  • Adjustable Rate Mortgages with a variable of term options


  • Special government programs for Veterans with up to 100% with no down payment options for new homeowners and more flexible qualification guidelines than those for conventional loans

Reverse Mortgages

  • 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

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

Medical Worker Mortgage

  • Designed for healthcare workers including physicians, nurses, and doctors to make buying or refinancing your home easy and affordable!
  • Exclusively available for our Workplace Partner employees.

 Refinance your home and pay NO closing costs!

Refinancing a Home

Looking to make some room in your monthly payment by refinancing your current mortgage? For a limited time, you can refinance your mortgage through American Heritage and pay No Closing Costs! Our No Closing Cost offer includes fixed rates to help you with your monthly payments.

Apply Today!




Calculate Your Monthly Payment*

*These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide and we do not guarantee their applicability or accuracy in regards to your individual circumstances.



Find Your Dream Home with My CU Home Connection Real Estate

Local Real Estate Experts Are Ready to Help

A real estate firm owned and operated by the team you trust at American Heritage. Take advantage of the expert advice, mortgage options and market analytic tools that will help you walk into your new home. Want to start looking for a home? Visit The My CU Home Connection Page.

Sell your home! Our top rated listing agents will sell your home quickly and professionally for a special 4.5% Home Selling Listing Fee***

Learn More


Convenient Mortgage & Real Estate Services

Home Buyer 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.

Mortgage Pre-Approval

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

First Heritage Realty Alliance

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!
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Home Projects You Shouldn’t Ignore

By: American Heritage
Let’s be honest, home improvement projects can feel overwhelming. Between work, family, and that ever-growing to-do list, it’s easy to put them off for another day. But consider this: Tackling a few key projects now can save you a lot of trouble (and money) down the road. Here’s a quick rundown of some home maintenance tasks that shouldn’t be ignored.

10 Common Mortgage Myths Debunked

By: American Heritage
Buying a home is a big step, both emotionally and financially. Naturally, you want the most accurate information to guide you through this process. However, a surprising amount of misinformation is out there, sometimes unintentionally passed along. Let’s clear up some common misconceptions to help you navigate the complexities of buying a home.

7 Ways to Make Homebuying Easier

By: American Heritage
Without the right support and preparation, buying a home can feel a lot like putting together a puzzle with only half of the pieces: time-consuming and frustrating. From house-hunting to closing, the homebuying process takes 4 to 6 months on average and involves multiple moving parts, so it’s no surprise that many homebuyers find it overwhelming. If you want to simplify and streamline your experience, you can take steps to better prepare and set yourself up for a smooth road to homeownership.


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three children building a treehouse.

Want to Learn More?

Sign up to receive our free Home Buying Guide. Learn what you need to successfully navigate the homebuying process!

You've bought your home, now learn how to conquer the next stage–owning a home.


Important Disclaimers

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 $726,200  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 $726,200 .

***4.5% listing offer: 2.5% home selling listing fee paid to buyer agent and a 2% list fee. All real estate commissions are negotiable. American Heritage Realty is an affiliate of First Heritage Realty Alliance.

† The No Closing Cost Mortgage Refinance offer applies to loans with a completed application date of January 31, 2024 or later. Rates and promotions effective as of January 31, 2024 and are subject to be cancelled, extended or changed without prior notice. The listed No Closing Cost Interest Rates are based on a $200,000 conventional loan up to $726,200, a 80% Loan-to-Value, a minimum 660 or better FICO score, and a Debt-to-Income ratio no higher than 45%. For rates on loans greater than $726,200, please contact us. If you do not meet the stated criteria, other mortgage refinance programs may be available to you. Members who have refinanced a home under our previous No Closing Cost Mortgage Refinance program within six months prior to today are not eligible to apply for current No Closing Cost Mortgage Refinance program. Mortgage loan approvals are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Each tax situation is unique, consult a tax and/or legal advisor for advice and information concerning your particular situation. Your rates may vary based on LTV, credit scores or loan amount. Loan rates are posted daily at and subject to change without prior notice. The mortgage loan payment obligations will be greater if taxes, homeowners insurance, or private mortgage insurance are included. The No Closing Cost Mortgage Refinance option: a) the borrower pays no closing costs, however taxes may need to be escrowed and property insurance is required; b) there is no cash out available; c) offer is only available for primary and secondary residences and does not include rental or investment properties. Choosing an origination fee option will increase the final APR. Other restrictions may apply, please contact an American Heritage Credit Union lender at 215.969.0777 for details.

Adjustable Rate Mortgage (ARM) products feature payments that may change in the future. The fixed rate period varies based on the ARM loan you select: A 3/1 ARM has a fixed interest rate for three years (36 months), a 5/1 ARM has a fixed interest rate for five years (60 months) and a 7/1 ARM has a fixed interest rate for seven years (84 months). After the fixed rate period ends, the rate can then change every year (12 months) thereafter. The variable rate is based on the one-year Constant Maturity Treasury (CMT) yield, plus a fixed margin of 3.00%. Rate cannot increase or decrease by more than two percentage points annually or more than six percentage points over the life of the loan. Available for owner-occupied only. For purchase only. Up to 95% Loan to Value. Mortgage insurance required for Loan-to-Value ratios of 81% to 95%.


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